Welcome to the Spotlight Site of Randall J Holmgren.
Check back frequently for information on estate and legacy wealth planning, asset protection and wills and trusts.
Hopefully, you'll find articles and resources to better protect your family financial security now and after you're gone.
Posted on May. 5, 2016
...And Maybe You're Tired of the “Top 10” Too
So, let’s take a break from that — but we still have to pay attention to the things that Matter Most in our lives — Personal, Family, and Financial Wellness.
Here is my list — based on what I’m seeing and hearing around me, and what my clients are saying is important to them.
Posted on Jan. 5, 2016
When they are tiny newborns, they are cute and cuddly – and innocent and vulnerable.
Then they toddle around and sometimes they say the most amazing things – and sometimes they break a precious vase.
As adolescents, we wonder if they’ll make the right choices – educational, vocational, family and behavioral – and we even worry about it. We made some mistakes. So will they, but we so much want to help them not make BIG mistakes.
Posted on Aug. 12, 2015
Whether you’re the parent reading this, or the unmarried daughter or son, the foregoing question may have been on your mind – or maybe it is now.
Posted on Jun. 10, 2015
Whether it is you, your children, your parents, a relative or a close friend, this could be a critical question: “If you die unexpectedly, have you named a Death Beneficiary for your 401(k), IRAs, and other financial accounts?”
I frequently ask new clients that question, and the answer is often “I think so.”
Then I ask, “Do you know who the Beneficiary is?”
Posted on Nov. 1, 2014
Do you have online trading accounts? Do your banks, credit unions and investment firms send you paperless account statements? Do you use passwords, login names/codes and security questions to access online accounts and other websites? How about credit card accounts and frequent flier-type accounts? And what about email accounts (at work or web-based accounts like gmail or hotmail)?
Posted on Aug. 25, 2014
How Will That Affect The Rest Of The Family If It Is Not Paid Back? Document Your Intentions.
Parents give or lend money to children for many reasons: to buy a first home, to start a new business, or to help them with a debt or other financial liability that they can’t seem to handle themselves. It is important to consider the impact that the loan or gift will have on the rest of the family when you, the lender, have passed away. Will the family view it as a debt requiring repayment, as a gift to be deducted from the recipient’s inheritance, or as a gift made in addition to the recipient’s inheritance. Documenting your intentions will be very beneficial to family unity and harmony.
Posted on Apr. 29, 2014
Parkinson's disease is one of the most common adult neurological conditions, affecting an estimated 10 million adults globally. Despite its prevalence and increased awareness through the work of public service campaigns and the efforts of magnates such as Muhammad Ali and Michael J. Fox, the disease is often misunderstood. It is important to be aware of the facts so that you can optimize care and maximize quality of life. Here are some of the most common misconceptions:
Posted on Feb. 1, 2014
Here are some ideas for improving your overall health this year.
Posted on Jan. 16, 2014
Check out this informative article by USA Today.
Retirement: 7 scams retirees too often fall for
Posted on Jan. 7, 2014
While New Year's Resolutions often focus on losing weight and saving money, the extra-hours at home this winter may be a good time to create (or update) a "Bucket List" of things we want to do while we still have the time and health.