RetireSmartNJ AI

I'm a New Jersey resident planning for retirement and need guidance on managing my assets and liabilities. I have two houses: one still under a mortgage and the other with a home equity line of credit. I also have a car with ongoing payments. All these assets are in my name. Could you advise me on the best strategies for managing these debts in my retirement planning? Specifically, how should I approach the mortgage and home equity line of credit in terms of my estate planning, and what considerations should I make for the car loan? Additionally, what options do I have to ensure that these assets are protected and efficiently passed on to my children with no tax?

Please provide strategies for maximizing my Social Security benefits and pension payouts considering my specific employment history in New Jersey.

What are the best options for healthcare and long-term care in New Jersey for someone in their 60s, and how can I integrate these into my retirement plan?

How should I choose a healthcare proxy?

How do I write a will in NJ?

Can you explain NJ's inheritance tax?