When we explain the financial planning process with our clients, one of the most frequent questions asked by clients nearing retirement age is: Should I begin collecting Social Security benefits at age 62?

With 2010 more than halfway behind us, it is a good time to consider the potential for tax-planning opportunities regarding wealth management. Unfortunately, in addition to opportunities, there are a number of uncertainties and changes that will impact many taxpayers.

Wealth transfer is a phenomenon that typically occurs during the "reversal period" following the end of a significant economic trend. Take, for example, cycles like the late 1990s stock market and the 2000s real estate bubble.

"So what do you think of annuities?" This is a typical question that is normally heard about three or four times a year, but in the past two years, with the market volatility and the fear that goes with it, that question has cropped up more and more.

For the majority of you, the timely tax filers, you now possess your 2009 returns. For some, there might be a nice planning gem built into your tax returns that you should be aware of.

One thing that has sustained successful companies over time is a well-developed moral compass. A company that loses its moral foresight will eventually fail as it causes pain to its employees, society, communities, and, of course, its shareholders.