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Perhaps you've read about an estate planning tool called a living trust. It is often recommended to individuals who want their assets to be professionally managed should they become disabled. A properly implemented living trust also avoids probate, which can be a time-consuming and expensive process.

It’s not always easy to know if you’re saving enough for your retirement. Like most people, you’re probably not sure. Here’s how to get a general idea of whether your savings are on track to last throughout your retirement.

No one likes to think about the possibility of not being able to manage their own affairs. Still, accidents and illnesses do happen. If you worry about who would manage your assets if you couldn’t do it yourself, then you might want to consider a revocable living trust.

One way to help control risk and increase your portfolio’s chances for a healthy return is through diversifying your investments across and within the major asset classes.

The mix of assets chosen for your portfolio should reflect your goals and the level of investment risk you are willing to take to reach them. But fluctuations in the securities markets can change a portfolio's allocation over time, exposing it to more or less risk than intended and leaving it less diversified.