 Many of you already have estate documents, probably executed many years ago. You need an estate attorney to look over your documents every 10 years or so. Here are a dozen points to review.
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 As I write this today, crude oil sits at around $5.50 per barrel! As we began the year at an already low $68 per barrel, we are seeing a collapse of the oil markets like never before. What does this mean to the world economy and all of us? Although gas prices at the pump continue to fall, is this something I should be worried about? Let;s dive in.
 Open enrollment for 2020 is almost here! You will be able to view and choose your option for the coming year beginning on October 15th. Open enrollment goes on through December 7th.
There are several ways you can learn about everything Medicare, 2020. First, you can call our office. As I've mentioned more than a few times, I headed up Medicare here in Georgia for Aetna and along with being a CFP®, stay up with all of the current changes to the program. Also, you can go to Medicare.gov plan finder. The site has just gone through a complete upgrade, but if you have used it before, you will see the familiar screens to lead to to the options in your county. Guest Post: Author: John Haas  After successfully growing the operations of two property management companies, John opened Haas Properties in 2000. John is a marketing expert and advises owners on generating maximum revenue while lowering costs. In addition to marketing, John personally oversee all aspects of tenant selection, unlike other firms that use a screening service. He serves as the director on the Cherokee County Board of Realtors and has served as a Director and Chairperson on the Atlanta Chapter of NARPM. John holds a Bachelor of Science degree from Texas A&M and an MBA from Stephen F. Austin. When not working, John enjoys spending time with family and coaching youth basketball and baseball. There is no single magical formula to calculate the Return on Investment(ROI). However , as HaasProperties.com says, by understanding some common principles of finances, you can get a rough idea on what the ROI will be.
Here are some factors that you should be aware of that can play a role in determining the ROI of a particular investment property: Guest Post AUTHOR: RACHEL MICHAELS  Rachel Michaels is a software developer with an endless fascination for how technology continues to change everything — from big business and finance to everyday life and personal connections. She enjoys writing on the topic of trends in the financial industry. When she’s not working, Rachel enjoys playing video games and spending time with her dog, Daisy. By Roy Larsen, CFP®, AAMS®  As I write this blog post, I just completed spending the first part of the year going through all of our clients personal information portals. In 2019, almost every firm offers their families a convenient way to track their financial world and as importantly, keep their Certified Financial Planner™ updated on anything that may provide a planning opportunity to strengthen their position. How amazing is technology that in just the last 15 years you can exchange an hour or so of your time for a trained professional to look out for your family the entire year. Planning has come a long way!
By Roy Larsen, CFP®, AAMS®  Still time for a 2018 IRA: Since we are talking about deductions, let's look at the income limits first. If you are covered by a retirement plan at work and have Modified Adjusted Gross Income of $63,000 or less as a single filer, or $101,000 or less, filing jointly, it is fully deductible. Up to $73,000 MAGI for singles and $121,000 for joint filers you can still claim a partial deduction. You must at least have enough earned income to support your contribution up to the limits of $5500 for an individual and $11,000 per couple. If you are age 50 or older, add another $1,000 to your maximum.
By Roy Larsen, CFP®, AAMS®  I'm guessing only planners may think like this but I have always been fascinated after a celebrity passing, what type of planning they may have done to protect their estate and pass their successes on to the next generation. Recently we lost Debbie Reynolds and her daughter Carrie Fisher in the same week and I couldn't help but take a peak at what their various estates looked like and what level of planning may have been accomplished.
By Roy Larsen, CFP®, AAMS®  Often, we have clients who are past age 70 1/2, who have started to take required minimum distributions and they simply don't want or need them. They don't want to pay taxes on monies that will simply go into their bank and in all likelihood, just sit there! Enter the qualified charitable distribution!
By Roy Larsen, CFP®, AAMS®  Interviewing financial advisors for this very vital role in your life can be daunting. Plus, the 21st century brings with it new threats to your finances, so your “toolbox” of questions needs to be updated as well. You are trying to achieve many objectives, such as help to plan for key life events and investing your hard earned assets in the most appropriate way. You not only need assistance in achieving your goals but you want to do so in a fashion that represents who you are. You also want peace of mind and time so you can go off and do the things that are most enjoyable to you, which encompasses the majority of your focus and attention.
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AuthorRoy Larsen is a Certified Financial Planner™ practitioner and Fee Only Wealth Manager who resides outside of Atlanta, Georgia. 
Roy's Financial Blog contains articles on multiple financial life events as well as his favorite questions from he receives from around the country.
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Larsen Wealth Management, LLC is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Larsen Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Larsen Wealth Management, LLC unless a client service agreement is in place.