Estate planning isn’t just about documents — it’s about communication. Talking to your children about your health, finances, and long-term plans may feel uncomfortable, but it’s one of the most important steps in protecting your family and preserving peace of mind. At Penny Lane Financial, most of our clients tell us they know estate planning conversations are important. When we host our Will Awareness seminars, the majority of attendees agree that discussing their wishes wit

If you’re close to retirement and have a pension or 401(k), there’s one decision that matters more than almost any other — when and how you take your money . Here’s the part most people don’t realize until it’s too late: requesting your pension or 401(k) as a lump sum can be a mistake.  Once the money is released, taxes are triggered, deadlines begin, and your options can shrink fast. That’s why the most important step isn’t choosing a product. It’s talking to an expert befor

Selecting the right life insurance policy can feel overwhelming. With many options available, understanding what fits your needs and budget is essential. Life insurance provides financial security for your loved ones in case of unexpected events. This guide will help you navigate the choices and make an informed decision. Understanding Life Insurance Basics Life insurance is a contract between you and an insurance company. You pay premiums regularly, and in return, the compan