
Words from Clairwell
Married? Single? Divorced? Your Marital Status Can Impact Your Capital Gains Home Exclusion
Whether you're single, married, divorced, or widowed, understanding the rules surrounding capital gains taxes and the capital gains exclusion is crucial for making informed financial decisions.
Who’s this “IRMAA”, anyway?
The Income-Related Monthly Adjustment Amount, or IRMAA is an additional premium that higher-income retirees must pay for their Medicare Part B and Part D coverage. It’s based on your income and applies to individuals or couples whose income exceeds certain thresholds. Essentially, the more you earn, the more you may pay for Medicare premiums, which includes both medical insurance (Part B) and prescription drug coverage (Part D).
Staying Cyber-Secure
Below is a checklist to get you started in being your own cybersecurity team. By following these guidelines, you can enhance the security of your devices, accounts, and personal information, ensuring peace of mind as you navigate
Interest Rates are Down — Time to Buy or Sell Your Home? With Specifics for Home Purchases or Sales During Divorce
Interest rates are down. Is it time to buy or sell your home? What if you're divorcing?
Vacations after Divorce: Invest in Time with Your Family
Time with loved ones with a change of pace and perspective is an invaluable investment, especially when your family has experienced divorce.
Avoid an Estate Planning Nightmare
After divorce, or with any major life change, update estate documents to prevent a nightmare for your heirs.
DIVORCE TALK: What is a QDRO?
Don’t leave money on the table in your divorce. Learn about QDROs (Qualified Domestic Relations Orders) and important points to make the most of them in your divorce settlement and your financial plan.
3 Common Investing Mistakes
Many people start out managing their own investments. But as their earnings and assets grow, their financial needs and challenges become more complex—and continuing to go at about it alone could prove costly in terms of investing miscues.
Transformation Through Divorce
We all deserve to feel the hurt or anger or confusion that can come with divorce. But let’s not stay there. Let’s not sit in it. Let’s think about what we can do to truly take care of ourselves and work toward a future of our choosing.
Navigating Caregiving and the Pressures of the Sandwich Generation
Being in the middle of the “sandwich” heightens life stressors. Our relationships with our older loved ones are taxed and shifting as they decline and are reluctant to relinquish autonomy. How do we navigate this chapter of life?
Health Care Options in Early Retirement
Planning for health care in early retirement is a crucial component of your overall retirement strategy.

READY TO TAKE THE FIRST STEP?