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How to stretch an IRA. Certainly made sense to her and her friends. Policies come in different types, from covering just the basics to high-end policies that cover everything, including home health care. Instead, when you die, whoever is the beneficiary of record receives the proceeds, regardless of what is written in your will. Ask friends for referrals or get names of advisers from your local chamber of commerce or from the National Gay and Lesbian Chamber of Commerce. Specifically review your elections for IRAs, k accounts and life insurance policies.

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Its overall advice would be beneficial for anyone. What medical and end-of-life decisions do you wish to have made on your behalf? Instead, when you die, whoever is the beneficiary of record receives the proceeds, regardless of what is written in your will. For the surviving partner, access to ready cash for living expenses can be critical.

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Do you have a will?

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