What happens after you die? Your grief-stricken heirs—some of whom may have complicated or fraught relationships—must execute a complicated transaction involving precious heirlooms and prized assets, all under the “direction” of a deceased grantor. It’s no wonder that wealth transfers can be such a challenge. Indeed, research shows that 70 percent of wealth transfers fail,

If you’re planning for retirement or approaching retirement age, health care costs are an important consideration. Medicare, a federal health insurance program administered by the Centers for Medicare & Medicaid Services (CMS), is likely to play an important role in managing those costs. But the program can be complicated, and there are several aspects that