New Jersey Hospital Safety Grades Are Released for Spring 2019

Note:  This blog post is by our office manager, Nancy Hochenberger.  Thanks Nancy!  -MRF The Leapfrog Group recently released their Spring 2019 Hospital Safety Grades report for hospitals nationwide. Many New Jersey hospitals fared well, but others didn’t match up. Leapfrog, a national nonprofit group, represents some of the largest … Continue reading

Are Big Changes Coming to Retirement Plans and IRAs?

Since the enactment of the Employee Retirement Income Security Act of 1974 (ERISA), major changes to the rules governing Individual Retirement Accounts (IRAs) and 401(k) and other retirement plans have been relatively few and far between.  That may be changing soon.   First the Treasury Department announced in March 2019 … Continue reading

Special Needs Trust Distributions, Credit Cards, Debit Cards & True Link Cards

A special needs trust (sometimes called supplemental needs trust, SNT, supplemental benefits trust, or SBT) is a great way to make funds available to benefit a person with disabilities without disqualifying a disabled person for government benefits. However, a special needs trust will disqualify a disabled person for government programs … Continue reading

Required Minimum Distributions from IRA, 401(k), 403(b), Profit Sharing & Other Retirement Plans

IRAs and employer sponsored saving or retirement plans (“Plans”) are a great way to save for retirement.  Typically, they defer income tax for many years and Plans often include employer contributions and other benefits.  While IRAs and Plans can be corner stones of a successful retirement, they are subject to … Continue reading

Social Security and Social Media (Disability)

The New York Times reported on social media and disability that the Trump administration is looking into using social media to root out people who are receiving disability payments but shouldn’t be receiving them. The idea is that if a person is receiving disability benefits for a back injury that … Continue reading

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Homepage photo: Cows grazing at Meadowbrook Farm, Bernardsville, NJ by Siddharth Mallya. October 23, 2012.
Interior photo: Somerset hills pastoral scene by Lawrence Friedman.