As we enter the third act, our parents are becoming more dependent on us financially and/or physically or they are healthy and financially secure and cannot figure out how to plan the distribution of their estate. At the same time our children are starting families, careers, and buying homes. Unfortunately, many families are faced with children having special needs. Sandwiched between is the planning for your “retirement” years. In general, all financial coordination is about spending your estate while you are alive (cash flow planning) or leaving it to family or charity at your death (estate planning). Think of all the variables you must address: social security, retirement plan distributions, health insurance, income tax, portfolio construction, life and long-term care insurance, wills and trusts, charity, and business dispositions. We are here to help!