Comprehensive Planning. Lifelong Solutions.

Planning for Retirement in an Uncertain World

April 17, 2012

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In a world where financial uncertainty and economic strain have impacted many individuals, comprehensive planning has become increasingly critical for retirement. With proper planning and advice, one can properly navigate the complex world of retirement.

Join CB&H Wealth Management Services and Oast & Hook for an informative joint seminar that will give you a comprehensive look at both the estate planning and the financial planning elements of retirement. Advisors from both perspectives will provide you with sound advice, insight and a sharper tool-set as you plan for retirement. During this seminar, we will explore in greater depth the following topics:

· Why Comprehensive Planning is Critically Important – Andrew Hook

· Investment Planning – Jeffrey Gump

· Risk Management (Insurance) Planning – Kevin Shea

· Life Care and Health Insurance Planning – Letha McDowell

· Disability and Estate Planning – Sandra Smith

This joint seminar will be from 10:00 a.m. to noon on Wednesday, March 25th, at SpringHill Suites, Chesapeake Greenbrier, 1446 Crossways Boulevard, Chesapeake, Virginia. For more information or to register for this seminar please call Jennifer Pagano at 757-967-9704 or e-mail her at pagano@oasthook.com .

Speakers

Andrew H. Hook, CELA, CFP®
Attorney, Oast & Hook, P.C.

Andy is an officer in the law firm of Oast & Hook, P.C., where he practices in the areas of elder law, estate and trust administration, estate planning, long-term care planning, and special needs trusts. Andy is a Fellow of the American College of Trust & Estate Counsel (ACTEC) and the National Academy of Elder Law Attorneys (NAELA). Since 2006, Mr. Hook has been named by Virginia Super Lawyers Magazine as one of the top attorneys in Virginia.

Sandra L. Smith, CELA
Attorney, Oast & Hook, P.C.

Sandra joined Oast & Hook in 2003. She practices primarily in the areas of elder law, estate planning, estate and trust administration, special needs planning, asset protection planning, long-term care planning and Veterans’ benefits. Ms. Smith is certified as an Elder Law Attorney (CELA) by The National Elder Law Foundation (NELF). She is a member of the Board of Directors for the Commonwealth Community Trust and the Virginia Academy of Elder Law Attorneys.

Letha Sgritta McDowell, CELA
Attorney, Oast & Hook, P.C.

Letha joined Oast & Hook in June of 2005. She practices in the areas of elder law, estate and trust administration, estate planning, asset protection planning, long-term care planning, and tax law. Ms. McDowell is certified as an Elder Law Attorney (CELA) by The National Elder Law Foundation (NELF). Ms. McDowell is currently on the editorial Committee of “The Will and The Way” which is the North Carolina Bar Association’s newsletter for the Estate Planning and Fiduciary Law Section.

Jeffrey A. Gump | Financial Advisor
CB&H Wealth Management Services, LLC

Jeff is a Financial Advisor in the Hampton Roads practice of CB&H Wealth Management Services LLC with 14 years of experience providing banking, insurance, investment, retirement planning, and estate consulting services. Jeff specializes in retirement income strategies; fee−based financial planning, risk management (life, disability, and long-term care insurance), charitable trusts, and estate strategies. He also serves as President of the Board of the Larkspur/Salem Recreation Association.

Kevin M. Shea, CFP®, CPA | Financial Advisor
CB&H Wealth Management Services, LLC

Kevin is a Financial Advisor in the Hampton Roads practice of CB&H Wealth Management Services LLC with over 17 years of experience providing insurance, investment and estate consulting services to executive-level and high net-worth clients. He also helps craft and properly fund business succession plans and works with post-retirement clients with developing wealth transfer and income distribution strategies. Kevin is a valued board member for The Noblemen, a local non-profit organization, and a member of the Financial Planning Association (FPA).

Ask Allie

O&H: Allie, with spring finally here, it’s time for your annual microchip reminder. Please share this important information with our readers.

Allie: Sure! Spring provides many opportunities for indoor pets to slip outside. Microchipping can help reunite lost pets with their families. My friend Garfield the Cat recently wrote about microchipping in his column in Cat Fancy magazine. A microchip is about the size of a grain of rice, and is usually implanted between a cat’s shoulder blades, just under the skin. Other animals can be microchipped as well. The microchip contains a special number unique to the pet, and the chip can be scanned at many veterinary offices and shelters. The chip is permanent, cannot be dislodged, and has a lifetime of 75 years (approximately nine lives!). The chips have helped reunite families and their pets who have been separated not only for hours or days, but for weeks, months, and even years. Morgan is an orange tabby in Wisconsin who was reunited with his family after five years because of his microchip. Scrub, a cat in Mississippi, was reunited with her family five years after she disappeared during Hurricane Katrina. The most amazing microchip story concerns George, a gray and brown cat from Santa Rosa, California, who was reunited with his family after thirteen years. Yes, that was not a typo − thirteen years! You can see how helpful microchips can be. I have one from my days in the office. I hope all of our readers have a wonderful and safe spring. See you next week!

Announcements

Oast & Hook is proud to announce that it has partnered with Commonwealth Assisted Living to offer a series of seminars for veteran seniors and their families. Each seminar will cover veterans benefits, veteran’s aid and attendance, elder law, Medicare, and long-term care planning. The seminars will begin at 6:00 p.m. and will end at 7:00 p.m.. Below are the dates and locations of each seminar. Seating is limited. If you have any questions or if you would like to register for one of these seminars, then please phone Oast & Hook at 757-399-7506.

April 26, 2012
Leigh Hall
890 Poplar Hall Drive
Norfolk, Virginia 23502
Tel: 757-461-5956

May 24, 2012
Georgian Manor
651 River Walk Parkway
Chesapeake, Virginia 23320
Tel: 757-436-9618

Speakers

If you are interested in having an Oast & Hook attorney speak at your event, phone Jennifer Pagano at 757-399-7506. Past topics include estate planning, long-term care planning and veterans benefits.

Distribution of This Newsletter
Oast & Hook encourages you to share this newsletter with anyone who is interested in issues pertaining to the elderly, the disabled and their advocates. The information in this newsletter may be copied and distributed, without charge and without permission, but with appropriate citation to Oast & Hook, P.C. If you are interested in a free subscription to the Oast & Hook News, then please e-mail us at mail@oasthook.com , telephone us at 757-399-7506, or fax us at 757-397-1267.

This newsletter is not intended as a substitute for legal counsel. While every precaution has been taken to make this newsletter accurate, we assume no responsibility for errors, omissions, or damages resulting from the use of the information in this newsletter.

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