All I want for Christmas (I’ve checked this list twice),Is Cleveland sports teams that actually play nice.I don’t mean polite—I mean wins on the board,Not heartbreak that leaves us perpetually floored. The Browns wrap their gifts in orange and brown tape,But every December it feels like escape.Quarterbacks shuffle like snow in a squall,Santa, please—just one …
All I Want For Christmas As a Cleveland Sports Fan Read More »
After more than two decades serving in the Senior Services industry, one of the most troubling observations I’ve made is this: customer service has all but disappeared. Whether you’re calling your insurance company, visiting a bank, or dealing with a government agency, it often feels like you’re being pushed off, redirected, or outright ignored. The …
Customer Service Isn’t Dead—But It’s on Life Support Read More »
After more than two decades in the senior services industry, I’ve had the privilege of helping hundreds of families prepare for one of life’s most important responsibilities—building a plan for the future. But there’s a recurring theme I’ve seen far too often: people wait too long. Just recently, I met with a couple—she was 82 …
I’ve had thousands of conversations with older adults and their families. Some happen in my office, others in living rooms or at community events—but one of the most memorable occurred in the waiting room of a doctor’s office. I was there for a routine appointment, simply waiting my turn, when an older woman nearby struck …
We’re in the Transportation Business — Just Not the Kind You Expect Read More »
After more than two decades in the senior services industry, one of the most evident truths I’ve come to recognize is this: people don’t like change. Especially as we grow older, change becomes less welcome, more intimidating, and often completely avoided. “This is the way I’ve always done it” becomes a guiding principle—even if the …
Finish Strong: Embracing Change in Estate Planning Read More »
There’s a saying I often use with clients: “You either have a plan, or you’re part of someone else’s.” It sounds like the kind of motivational quote you might see on a coffee mug or plastered on a Pinterest board, but when it comes to estate planning, it couldn’t be more serious, or more true. …
You Need a Plan… Or You’re Part of Somebody Else’s Read More »
By Skip Skolnik When it comes to protecting assets from the costs of nursing home care, most people don’t plan—they react. And unfortunately, reaction is rarely a strategy. It’s like stepping onto a football field without knowing the rules, expecting to win by instinct alone. The reality is that nursing home protection and navigating the …
Understanding the Rules: Why Nursing Home Protection Requires Planning, Not Winging It Read More »
When most people think of life insurance, they think of income replacement or debt protection. It’s a tool to ensure loved ones are financially stable after a wage earner dies. While those are still valid and vital uses, life insurance plays a powerful and often underappreciated role in estate planning. It can be used correctly …
Every homeowner knows the drill: when the seasons change, you prepare. You put the snowblower away in the spring, fire up the lawnmower in the summer, clean the gutters in the fall, and dig out the heavy coats for winter. You rotate your tires, swap your wardrobe, and winterize the pipes. Why? Because each season …
Estate Planning Through Life’s Seasons: Why Every Stage Needs a Distinct Plan Read More »
Imagine riding your bike down a hill, wind in your hair, when suddenly—thump, wobble, snap—one of your spokes gives out. That smooth ride? It’s over. Because without all the spokes in working order, the wheel doesn’t roll right. Estate planning is no different. So many people think a will is enough, or that talking to …
Estate Planning Takes a Team: Don’t Roll Through Life on a Wobbly Wheel Read More »
Libby Skolnik Budweg is an investment advisory representative of and provides advisory services through CoreCap Advisors, LLC. Skolnik Retirement Solutions and CoreCap Advisors are separate and unaffiliated entities.
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