---
title: Creekmur Wealth Advisors (15)
description: We help create true wealth and retirement income strategies for people in or nearing retirement so their retirement income lasts as long as they do. (15)
---
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## Educate, Encourage, Empower
## [What do I do When a Loved One Passes?](https://blog.creekmurwealth.com/blog/a-checklist-for-when-a-spouse-or-parent-passes)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 10:30 AM on October 8, 2020
[](https://blog.creekmurwealth.com/blog/a-checklist-for-when-a-spouse-or-parent-passes)
## *A checklist of some of the first steps.*
**When you lose a spouse, partner, or parent, the grief can be overwhelming.** In the midst of that grief, life goes on. There are arrangements to be made, things to be taken care of – and in recognition of this reality, here is a checklist that you may find useful at such a time.
**First, gather documents.** Ask for help from other family members if you need it. Start by gathering the following:
\* A will, a trust, or other estate documents. If none of these exist, you could face a longer legal process when settling the person’s estate. If a trust exists, we would recommend contacting the professional or firm who helped set up the document. Depending upon how the estate is set up you may need to secure a Letter of Testamentary.
\* A Social Security card/number. Generally, the person’s Social Security number will be retired shortly following the death.
Then, gather these additional highly important items.
[Read More](https://blog.creekmurwealth.com/blog/a-checklist-for-when-a-spouse-or-parent-passes)
0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/a-checklist-for-when-a-spouse-or-parent-passes#comments-listing)
Topics: [Widow](https://blog.creekmurwealth.com/blog/tag/widow), [Life Insurance](https://blog.creekmurwealth.com/blog/tag/life-insurance), [Surviving Spouse](https://blog.creekmurwealth.com/blog/tag/surviving-spouse), [Inheritance](https://blog.creekmurwealth.com/blog/tag/inheritance)
## [Facts About Medicare Open Enrollment](https://blog.creekmurwealth.com/blog/facts-about-medicare-open-enrollment)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 10:45 AM on October 1, 2020
[](https://blog.creekmurwealth.com/blog/facts-about-medicare-open-enrollment)
## *How much do you know about the different coverage options?*
Medicare’s open enrollment period runs from October 15 to December 7. If you are enrolling in Medicare for the first time, give yourself plenty of time. You may discover that it is much more complex than an employer-sponsored group health plan.1
When you enroll in Medicare, you pay multiple premiums for multiple types of coverage (Parts A and B, as well as the Part D prescription drug plan). Unlike a group health plan, there are no caps on out-of-pocket costs and a risk that you might have to pay a hospital insurance deductible more than once per year. Original Medicare also does not cover some costs that many seniors would like to cover, such as dental and vision care expenses.2
[Read More](https://blog.creekmurwealth.com/blog/facts-about-medicare-open-enrollment)
0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/facts-about-medicare-open-enrollment#comments-listing)
Topics: [Details about Medicare](https://blog.creekmurwealth.com/blog/tag/details-about-medicare), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement), [Medicare Enrollment](https://blog.creekmurwealth.com/blog/tag/medicare-enrollment)
## [How Much Do You Really Know About Extended Care?](https://blog.creekmurwealth.com/blog/howmuchdoyoureallyknowaboutextendedcare)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 12:36 PM on September 24, 2020
[](https://blog.creekmurwealth.com/blog/howmuchdoyoureallyknowaboutextendedcare)
## *Separating some eldercare facts from eldercare myths.*
How much does eldercare cost, and how do you arrange it when it is needed? The average person might have difficulty answering those two questions, for the answers are not widely known. For clarification, here are some facts to dispel some myths.
**True or false: Medicare will pay for your mom or dad’s nursing home care.**
***FALSE***. Medicare is not extended care insurance.1
Medicare Part A will pay the bill for up to 20 days of skilled nursing facility (SNF) care, but after that, you or your parents may have to cover some costs out-of-pocket. After 100 days in a SNF, you will have to cover all costs out of pocket. The only way to “reset the clock” for Medicare coverage of these services is if
[Read More](https://blog.creekmurwealth.com/blog/howmuchdoyoureallyknowaboutextendedcare)
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Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Insurance](https://blog.creekmurwealth.com/blog/tag/insurance), [Life Insurance](https://blog.creekmurwealth.com/blog/tag/life-insurance), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement)
## [Why Roth IRA Conversions May Now Be Advantageous](https://blog.creekmurwealth.com/blog/whyrothiraconversionsmaynowbeadvantageous)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 10:42 AM on September 17, 2020
[](https://blog.creekmurwealth.com/blog/whyrothiraconversionsmaynowbeadvantageous)
## *Thanks to a couple of factors, some investors are thinking about this move before 2020 ends.*
Roth IRAs have attracted retirement savers since their introduction in 1998. They offer the potential for tax-free retirement income, provided Internal Revenue Service rules are followed.
Do Roth IRAs seem even more attractive these days? Perhaps. You can cite two factors: current tax rates and the passage of the Setting Every Community Up for Retirement Enhancement (SECURE) Act.
Roth IRAs differ from traditional IRAs. Typically, distributions from traditional IRAs must start once you reach age 72, and the money distributed is taxed as ordinary income. When distributions are taken before age 59½,
[Read More](https://blog.creekmurwealth.com/blog/whyrothiraconversionsmaynowbeadvantageous)
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Topics: [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement), [Roth Conversions](https://blog.creekmurwealth.com/blog/tag/roth-conversions), [Roth IRA](https://blog.creekmurwealth.com/blog/tag/roth-ira)
## [Dow 30 Changes Its Starting Lineup](https://blog.creekmurwealth.com/blog/dow30changesitsstartinglineup)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 2:41 PM on September 10, 2020
[](https://blog.creekmurwealth.com/blog/dow30changesitsstartinglineup)
## *What you should know about the change.*
The Dow Jones Industrial Average (DJIA), one of the most widely followed stock market indices, has made some key changes to its starting lineup.
Salesforce.com, Amgen Inc., and Honeywell International Inc. have replaced Exxon Mobil Corp., Pfizer Inc., and Raytheon Technologies Corp. The change went into effect before the market opened on Monday, August 31.1
[Read More](https://blog.creekmurwealth.com/blog/dow30changesitsstartinglineup)
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Topics: [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement), [Stock Market](https://blog.creekmurwealth.com/blog/tag/stock-market)
## [Frothy, Bubbly Stocks](https://blog.creekmurwealth.com/blog/frothy-bubbly-stocks)
Posted by [Drew Creekmur, MSPFP](https://blog.creekmurwealth.com/blog/author/drew-creekmur-mspfp) on 5:01 PM on September 8, 2020
[](https://blog.creekmurwealth.com/blog/frothy-bubbly-stocks)
***Frothy, Bubbly, Foamy**. . . and we're not talking about **cappuccino!*
[Read More](https://blog.creekmurwealth.com/blog/frothy-bubbly-stocks)
0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/frothy-bubbly-stocks#comments-listing)
Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Investments](https://blog.creekmurwealth.com/blog/tag/investments), [market volatility](https://blog.creekmurwealth.com/blog/tag/market-volatility), [Planning](https://blog.creekmurwealth.com/blog/tag/planning), [Stock Market](https://blog.creekmurwealth.com/blog/tag/stock-market)
## [Conquering Retirement Challenges for Women](https://blog.creekmurwealth.com/blog/conqueringretirementchallengesforwomen)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 7:22 AM on September 3, 2020
[](https://blog.creekmurwealth.com/blog/conqueringretirementchallengesforwomen)
## *Looking ahead can help you conquer these unique obstacles.*
When it comes to retirement, some women face obstacles that can make saving for retirement a challenge. Women typically earn less than their male counterparts and often take time out of the workforce to care for children or other family members. Added to the fact that women typically live longer than men, retirement money for women may need to stretch even further.1
Despite these challenges, there are a lot of reasons to be hopeful.2
[Read More](https://blog.creekmurwealth.com/blog/conqueringretirementchallengesforwomen)
0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/conqueringretirementchallengesforwomen#comments-listing)
Topics: [Working Women](https://blog.creekmurwealth.com/blog/tag/working-women), [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement)
## [Get Your FAFSA Ready](https://blog.creekmurwealth.com/blog/getyourfafsaready)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 11:12 AM on August 27, 2020
[](https://blog.creekmurwealth.com/blog/getyourfafsaready)
## *The application window for federal student loans opens on October 1.*
**Mark this date on your calendar: October 1.** That is the day when current and future traditional college students can start submitting the Free Application for Federal Student Aid (FAFSA) for the 2021-22 school year. For many students, the FAFSA is frequently the gateway to significant financial aid: federal and state student loans, grants, university scholarships, and work-study programs.1
**FAFSAs should be sent in as soon as possible.** The closer to “opening day” (October 1) you can do it, the better. Some states offer aid on a first-come, first-serve basis, and some universities set fall deadlines for financial aid requests.1,2
[Read More](https://blog.creekmurwealth.com/blog/getyourfafsaready)
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Topics: [College Planning](https://blog.creekmurwealth.com/blog/tag/college-planning), [FAFSA](https://blog.creekmurwealth.com/blog/tag/fafsa)
## [What Are Stock Splits?](https://blog.creekmurwealth.com/blog/whatarestocksplits)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 10:15 AM on August 20, 2020
[](https://blog.creekmurwealth.com/blog/whatarestocksplits)
## *Here’s what you need to know.*
Two high-profile companies—Apple and Tesla—have announced stock splits in the past few weeks, which makes it a great time to discuss what’s involved when a company announces a stock split.
Remember, any companies mentioned are for illustrative purposes only. It should not be considered a solicitation for the purchase or sale of the securities. Any investment should be consistent with your objectives, timeframe, and risk tolerance.
[Read More](https://blog.creekmurwealth.com/blog/whatarestocksplits)
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Topics: [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [Stocks](https://blog.creekmurwealth.com/blog/tag/stocks)
## [How Much Money Will You Need for Retirement?](https://blog.creekmurwealth.com/blog/howmuchmoneywillyouneedforretirement)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 7:15 AM on August 13, 2020
[](https://blog.creekmurwealth.com/blog/howmuchmoneywillyouneedforretirement)
## *It depends on your goals, time horizon, and risk tolerance..*
"Will I outlive my retirement money?" That's one of the top fears for people who are starting to prepare for their retirement years.
So I have to chuckle a bit when I see headlines that say, "Here's how much money Americans think they need to retire comfortably."1
[Read More](https://blog.creekmurwealth.com/blog/howmuchmoneywillyouneedforretirement)
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Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement)
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- [Wall Street Shocks (1)](https://blog.creekmurwealth.com/blog/tag/wall-street-shocks)
- [Women Investors (1)](https://blog.creekmurwealth.com/blog/tag/women-investors)
- [asset map (1)](https://blog.creekmurwealth.com/blog/tag/asset-map)
- [bull market (1)](https://blog.creekmurwealth.com/blog/tag/bull-market)
- [charitable donations (1)](https://blog.creekmurwealth.com/blog/tag/charitable-donations)
- [compounded interest (1)](https://blog.creekmurwealth.com/blog/tag/compounded-interest)
- [consumer debt (1)](https://blog.creekmurwealth.com/blog/tag/consumer-debt)
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- [cryptocurrency (1)](https://blog.creekmurwealth.com/blog/tag/cryptocurrency)
- [dollar cost averaging (1)](https://blog.creekmurwealth.com/blog/tag/dollar-cost-averaging)
- [emergency fund (1)](https://blog.creekmurwealth.com/blog/tag/emergency-fund)
- [get my credit score reviewed (1)](https://blog.creekmurwealth.com/blog/tag/get-my-credit-score-reviewed)
- [getting out of debt (1)](https://blog.creekmurwealth.com/blog/tag/getting-out-of-debt)
- [getting started (1)](https://blog.creekmurwealth.com/blog/tag/getting-started)
- [gold (1)](https://blog.creekmurwealth.com/blog/tag/gold)
- [grandchild education (1)](https://blog.creekmurwealth.com/blog/tag/grandchild-education)
- [identity theft (1)](https://blog.creekmurwealth.com/blog/tag/identity-theft)
- [impact of presidential elections (1)](https://blog.creekmurwealth.com/blog/tag/impact-of-presidential-elections)
- [paying off debt (1)](https://blog.creekmurwealth.com/blog/tag/paying-off-debt)
- [power of compounding (1)](https://blog.creekmurwealth.com/blog/tag/power-of-compounding)
- [risk of Alzheimers (1)](https://blog.creekmurwealth.com/blog/tag/risk-of-alzheimers)
- [rollover (1)](https://blog.creekmurwealth.com/blog/tag/rollover)
- [save early (1)](https://blog.creekmurwealth.com/blog/tag/save-early)
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- [volatility (1)](https://blog.creekmurwealth.com/blog/tag/volatility)
- [watch for Elder scams (1)](https://blog.creekmurwealth.com/blog/tag/watch-for-elder-scams)
See all
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