Ryan Frailich – Forbes Advisor

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} .accordion-tab:after { background: url('https://web.archive.org/web/20201018180331im_/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/author/arrow-side.svg') center center no-repeat; } .accordion-tab.active:after { background: url('https://web.archive.org/web/20201018180331im_/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/author/arrow-up.svg') center center no-repeat; } @media (max-width: 767px) { .accordion-tab:after { background: url('https://web.archive.org/web/20201018180331im_/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/author/arrow-side-mobile.svg') center center no-repeat; } .accordion-tab.active:after { background: url('https://web.archive.org/web/20201018180331im_/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/author/arrow-up-mobile.svg') center center no-repeat; } } </style> <div class="article-body"> <section class="csf-row clearfix et-rows ad-row row_5b32858509f7a csr-channel-row"> <div class="has-csr-ad" id="section-now-view"> <div id="main-content"> <div class="promo-block-list csf-row-list clearfix"> <div class="csf-column csf-stream fs-layout-one"> <div class="csf-block clearfix ng-scope"> <div class="csr-common-stream fs-text-reset ng-scope"> <div class="edittools-stream-wrapper"> <div class="primary-container"> <div class="csr-common-stream-header ng-binding"> <div class="contributor-details__wrapper"> <div class="contributor-details__image"> <img src="https://web.archive.org/web/20201018180331im_/https://www.forbes.com/advisor/wp-content/uploads/2019/02/ryan-frailich-88x88.png" width="64" height="64" alt="Ryan Frailich" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo"/> </div> <div class="contributor-details__title"> <h1 class="contributor-details__name">Ryan Frailich</h1> <div class="contributor-details-type__wrapper"> <span class="contributor-details__type"> contributor </span> <span class="cd-ellipse"></span> <a href="https://web.archive.org/web/20201018180331/https://www.forbes.com/advisor" target="_blank">Advisor</a> </div> </div> </div> </div> <div id="author-bio-mobile"> <div class="contributor-about below-header main-content__right-col"> <div class="article__author-bio-bottom"> <p> I worked as a teacher and as a school administrator overseeing HR before becoming a fee-only financial planner. Working in HR revealed a lot about the financial lives of employees, and the lightbulb went off: Too many smart and talented people feel overwhelmed with finances, always wondering if they're making mistakes. And too many people who want help are taken advantage of or shut out by large financial institutions. I changed careers, earned a certificate in financial planning, and started Deliberate Finances. I work with couples in their 20s, 30s, and 40s to put together the pieces of their financial puzzle, from getting married, to student loans, what it means to plan for retirement, and what to expect (financially!) when a baby is on the way. When not working, I spend my time exploring my adopted home city of New Orleans with my wife & young son. </p> </div> </div> </div> <nav class="c-tabs" data-toggle="c-tabs" role="navigation"> <ul class="c-tab--navigation"> <li class="c-tab--item"> <a href="#editorial-stream" class="active">Latest</a> </li> <li class="c-tab--item"> <a href="#archive">Archive</a> </li> <li class="c-tab--slider"> <div class="c-tab-indicator"></div> </li> </ul> </nav> <div class="c-tab--content active" id="editorial-stream"> <ul class="edittools-stream"> <li class="stream-article et-promoblock-removeable-item et-promoblock-star-item ng-scope "> <div class="ng-scope"> <div class="ng-scope"> <div class="stream-article-wrapper ng-scope"> <div class="stream-article-text"> <h6 class="article-meta"> <span class="ng-scope"> <time class="article-time ng-binding">1 month ago</time> </span> </h6> <a href="https://web.archive.org/web/20201018180331/https://www.forbes.com/advisor/life-insurance/fund-trust-with-life-insurance/" aria-label="How To Fund A Trust With Life Insurance"> <h2 class="fs-h2 article-headline ng-isolate-scope"> <span class="brand-voice-name ng-scope"> <span class="ng-binding">How To Fund A Trust With Life Insurance</span> </span> </h2> </a> <div class="stream-article-desc"> Estate planning is all about ensuring your wishes are met after your death. All estate plans should include a will and powers of attorney. 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if (!!idFromUrl) { trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param]; trackingParamsObj.value = idFromUrl; break; } } } } return trackingParamsObj; } /** * Returns Hash code from value of predefined parameters * Example : ob_click_id=jfkjkfjskafjkj * Object : { param: ob_click_id , value:jfkjkfjskafjkj } * returns : P6767676 */ function getUserIdHashFromUrl() { var hash = ''; var paramsObj = getOgUtmParamValuePair(); if (paramsObj.hasOwnProperty('value') && !__util.empty(paramsObj.value) && typeof paramsObj.value === 'string') { var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99); hash = hashInput.hashCode(); } return hash; } /* * Get Default User ID Hash * returns hash : P74473637 * */ function getDefaultUserIdHash() { var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99); return userid.hashCode(); } /* * Get Unique Hash * returns numeric 9 digit value: 187654367 * */ function getUniqueId(suffix) { suffix = suffix || ''; 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urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID; } else if (POLICYGENIUS_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'aff_click_id', parameterValue: trackingId, override: true, }); } else { urlWithTrackingID = url; } return urlWithTrackingID; } /* * Get User Id Hashcode * */ function getUserIdHash() { var userid = ''; //Get Tid From Url var tidFromUrl = __util.getQueryParameterValue('tid'); if (!!tidFromUrl) { userid = tidFromUrl; } //Generate hash from if og parameter is found in url var userIdHashFromUrl = getUserIdHashFromUrl(); if (__util.empty(userid) && !!userIdHashFromUrl) { userid = userIdHashFromUrl; } //Read user id from cookie if found if (__util.empty(userid)) { userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); } //Generate a new user id if (__util.empty(userid)) { userid = getDefaultUserIdHash(); } return userid; } //get user id hash var USER_ID_HASH = getUserIdHash(); /** * Set Cookie Values * fadve2etid = USERID | Generated from Client Side script * fadve2etidvcnt = 1 | Increments on every page refresh * fadve2esrc = utm_source * fadve2etid_oname = gclid * fadve2etid_oval = fjdalskff78gsf78asfsf7as6f7as */ function setCookie() { //Get user id Hash var userIDHash = USER_ID_HASH; 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/* ]]> */ </script> <script type="text/javascript" src="https://web.archive.org/web/20201018180331js_/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/dist/base.js?ver=1597158479"></script> <script type="text/javascript" src="https://web.archive.org/web/20201018180331js_/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/dist/mnetedinit.min.js?ver=1598000973"></script> <div id="mnplaceholder-5f8c83742400f" data-size="1x1" data-aid="611817330" data-device="any" class="mnPlaceholderSync fa-hide" data-versionid="3111299" data-cid="8CUX59211" data-url="https://web.archive.org/web/20201018180331oe_/https://contextual.media.net/nmedianet.js"></div><script type="application/ld+json"> { "@context": "https://web.archive.org/web/20201018180331/https://schema.org", "@type": "NewsArticle", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://web.archive.org/web/20201018180331/https://www.forbes.com/advisor/life-insurance/fund-trust-with-life-insurance/" }, "headline": "How To Fund A Trust With Life Insurance", "image": { "@type": "ImageObject", "url": "https://web.archive.org/web/20201018180331/https://www.forbes.com/advisor/wp-content/uploads/2020/07/funding_trust_jpg_V4b7DRLq-900x510.jpg", "height": "900", "width": "510" }, "datePublished": "2020-09-17T07:00:00-04:00", "dateModified": "2020-09-17T07:42:59-04:00", "author": { "@type": "Person", "name": "Ryan Frailich" }, "publisher": { "@type": "Organization", "name": "Forbes", "logo": { "@type": "ImageObject", "url": "https://web.archive.org/web/20201018180331/https://i.forbesimg.com/media/assets/forbes_1200x1200.jpg", "width": 1200, "height": 1200 } }, "description": "Estate planning is all about ensuring your wishes are met after your death. All estate plans should include a will and powers of attorney. But in many cases, a trust has additional benefits beyond what can be accomplished with the will and powers of attorney. 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var placeholderIndexMapKey = articleIndex + "" + rowIndex; //Eg: 01 var slotIndexMap = placeholderIndexMap[placeholderIndexMapKey]; if (!slotIndexMap) { console.log('slot not found', placeholderIndexMapKey); return false; } for (placeholderId in slotIndexMap) { // Eg: placeholderId = rec if (slotIndexMap.hasOwnProperty(placeholderId)) { var indexArray = slotIndexMap[placeholderId]; //Eg: [1,2] indexArray.forEach(function (index) { var slotId = placeholderId + "-" + articleIndex + "-" + index; // eg: rec-0-1 //push to slotMetaDataArray, if slotId present in placeHolderMap and slotId not true in defineSlotMap if (window.placeHolderMap[slotId] && !window.defineSlotMap[slotId]) { var sizeArray = getSizeArray(placeholderId); //eg: [[320,50], [1,1]] var pageIndex = getPageIndex(articleIndex, rowIndex); if (sizeArray.length != 0) { var slotMetaDetails = { sizeArray: sizeArray, slotId: slotId, placeholderId: placeholderId, index: index, articleIndex: articleIndex, pageIndex: pageIndex, unitPath: unitPath, batch: articleIndex + "" + rowIndex }; slotMetaDataArray.push(slotMetaDetails); } } }); } } //send slots to dfp for each row if (slotMetaDataArray.length != 0) { defineDFPSlotBatches(slotMetaDataArray); } }); //send max 4 slots to dfp // while (slotMetaDataArray.length > 0) { // var chunkArray = slotMetaDataArray.splice(0,4); // defineDFPSlotBatches(chunkArray); // } } window.allSlots = {}; function defineDFPSlotBatches(slotMetaDataArray) { if (!!window.dfpdbg) { console.log('slotMetaDataArray', slotMetaDataArray); } var firstSlotMeta = slotMetaDataArray[0]; var batch = firstSlotMeta.batch; var placementMap = []; window.allSlots[batch] = []; slotMetaDataArray.forEach(function (meta) { placementMap.push({slotID: meta.slotId, sizes: meta.sizeArray}); defineSlot(meta); }); if (placementMap.length !== 0) { // callAmazon(placementMap, batch); // callApsOnError(batch); callGPT(placementMap, batch); } } //DFP Slot logic start window.defineSlotMap = {}; function defineSlot(slotMeta) { googletag.cmd.push(function () { var slotId = slotMeta.slotId; var slot = googletag.defineSlot(slotMeta.unitPath, slotMeta.sizeArray, slotId) .addService(googletag.pubads()) .setTargeting('pos', slotMeta.placeholderId) .setTargeting('slotId', slotId) // .setTargeting(slotMeta.placeholderId, slotMeta.index + '') // .setTargeting('pageIndex', slotMeta.pageIndex); googletag.display(slotId); window.allSlots[slotMeta.batch].push(slot); window.defineSlotMap[slotId] = true; }); } // function callApsOnError(batch) { // if (apsErrorLoading) { // googletag.cmd.push(function () { // googletag.pubads().refresh(window.allSlots[batch]); // }); // } // } // function callAmazon(placementMap, batch) { // apstag.fetchBids({ // slots: placementMap // }, function (bids) { // googletag.cmd.push(function () { // apstag.setDisplayBids(); // googletag.pubads().refresh(window.allSlots[batch]); // }); // }); // } function callGPT(placementMap, batch) { googletag.cmd.push(function () { googletag.pubads().refresh(window.allSlots[batch]); }); } var sections = document.getElementsByClassName('article-row'); function initDFPScrollhandler(callback, destroySlots) { _maddEventHandler(window, 'scroll', throttle(function () { var scrollTop = window.pageYOffset || document.documentElement.scrollTop; var direction = (scrollTop > previousScrollTop) ? 1 : -1; //downward scroll var large = 0; var largestVisibleElement = 0; for (var s = 0; s < sections.length; s++) { var section = sections[s]; var percentage = getVisibilityForElement(section); if (percentage > 99) { large = percentage; largestVisibleElement = section; break; } if (large < percentage) { large = percentage; largestVisibleElement = section; } } //console.log('lll ', largestVisibleElement, large, sections.length); if (largestVisibleElement) { var currentRowIndex = largestVisibleElement.getAttribute('data-index'); var dataPageIndex = largestVisibleElement.getAttribute('data-page'); var isDFPCalled = largestVisibleElement.getAttribute('data-dfp') || false; // Destroy old slots if (destroySlots === true) { destroyOldSlots(currentRowIndex, dataPageIndex); } if (!!isDFPCalled) { return; } if (callback && typeof (callback) === "function") { callback(direction, currentRowIndex, dataPageIndex); } largestVisibleElement.setAttribute("data-dfp", true); } previousScrollTop = scrollTop <= 0 ? 0 : scrollTop; }, 250)); } function destroyOldSlots(currentRowIndex, dataPageIndex) { var deleteOffset = 3; var articleIndex = dataPageIndex; var deleteRowIndex = currentRowIndex - deleteOffset; // To handle slides for previous article if (deleteRowIndex < 0 && articleIndex > 0) { // while(deleteRowIndex < 0 && articleIndex >= 0){} articleIndex = articleIndex - 1; if (slidesCountMap[articleIndex] >= 0) { deleteRowIndex = slidesCountMap[articleIndex] + deleteRowIndex; } } if (deleteRowIndex < 0) { return; } var batchNumber = articleIndex + "" + deleteRowIndex; //01 if (allSlots[batchNumber] && allSlots[batchNumber].length != 0) { // console.log('-- Destroy --'); // console.log('Row Index: ', deleteRowIndex); // console.log('BatchNumber -> ', batchNumber); googletag.cmd.push(function () { googletag.destroySlots(allSlots[batchNumber]); }); allSlots[batchNumber] = []; var slotIndexMap = placeholderIndexMap[batchNumber]; for (placeholderId in slotIndexMap) { // Eg: placeholderId = rec if (slotIndexMap.hasOwnProperty(placeholderId)) { var indexArray = slotIndexMap[placeholderId]; //Eg: [1,2] indexArray.forEach(function (index) { var slotId = placeholderId + "-" + articleIndex + "-" + index; // eg: rec-0-1 defineSlotMap[slotId] = false; // console.log('slotId -> ', slotId); }); } } var articleWrapper = document.getElementsByClassName('spa-article')[articleIndex]; if (!!articleWrapper) { var articleRow = articleWrapper.getElementsByClassName('article-row')[deleteRowIndex]; if (!!articleRow) { articleRow.removeAttribute('data-dfp'); } } // console.log('-- Destroy --'); } } function loadSingleUnit(posArray, articleIndex, parentID) { var slotMetaDataArray = []; var parentEle = null; if (parentID) { parentEle = document.getElementById(parentID); } else { parentEle = document; } posArray.forEach(function (pos) { var placeholderClass = getcssClass(pos); var parentDiv = parentEle.getElementsByClassName(placeholderClass); if (!!parentDiv.length != 0) { //create div var placeholder = document.createElement("div"); var slotId = pos + "-" + articleIndex; //rec-0 placeholder.id = slotId; placeholder.className = 'placeholder'; window.placeHolderMap[slotId] = true; parentDiv[0].appendChild(placeholder); var sizeArray = getSizeArray(pos); var meta = { sizeArray: sizeArray, slotId: slotId, placeholderId: pos, index: 1, articleIndex: articleIndex, pageIndex: 1, unitPath: unitPath, batch: articleIndex + "w" } slotMetaDataArray.push(meta); } else { console.error('placeholder not found', placeholderClass); } }); if (slotMetaDataArray.length !== 0) { defineDFPSlotBatches(slotMetaDataArray); } } function refreshSlots(slots) { if (slots.length !== 0) { googletag.cmd.push(function () { googletag.pubads().refresh(slots); }); } } </script><script> var attributeNofollowValue = 'nofollow'; (function($){ $(function(){ var isContributor = 1; function isInternalLink(url) { var siteUrl = 'https://web.archive.org/web/20201018180331/https://www.forbes.com/advisor'; var url_domain = url.split('/')[2]; if (siteUrl.indexOf(url_domain) >= 0) { return true; } else { return false; } } $('.article-body a').each(function() { var linkValue = $(this).attr('href'); if (linkValue) { var gaTrackingValue = "ExternalLink:" + linkValue; $(this).attr('ga-data-track', gaTrackingValue); if (isContributor && !isInternalLink(linkValue) ) { $(this).attr('rel', attributeNofollowValue); } } }); }); })(jQuery); </script><script> function handleExternalLinking(articleBody) { var articleBody = articleBody || '.article-body'; var siteUrl = 'https://web.archive.org/web/20201018180331/https://www.forbes.com/advisor'; if (jQuery(articleBody).length > 0) { jQuery(articleBody).find('a').each(function() { var link = jQuery(this).prop('href'); if (link.indexOf(siteUrl) == -1) { jQuery(this).attr('target', '_blank'); } }); } } </script> <script src="https://web.archive.org/web/20201018180331js_/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/dist/author-page.min.js?ver=1583753121"></script> <script> handleExternalLinking(); </script> <script> var deviceType = getDeviceTypeInNumber(window.deviceType); var posData = { rightRail: { placeholder: 'rail-ed-placeholder', sizes: [[300, 250], [300, 600], [1, 1], ['fluid']] }, editorialStream: { placeholder: 'editorialstream-ed-placeholder', sizes: [[820, 236], [620, 529], [300, 250], [620, 236], ['fluid']] }, afterBio: { placeholder: 'afterbio-ed-placeholder', sizes: [[300, 250], [300, 251], [300, 50], [320, 50], [1, 1], ['fluid']] }, afterContent: { placeholder: 'aftercontent-ed-placeholder', sizes: [[300, 250], [300, 50], [320, 50], [1, 1], ['fluid']] }, afterBottomBlock: { placeholder: 'afterbottomblock-ed-placeholder', sizes: [[300, 250], [1, 1], ['fluid']] } }; var selectors = { rightRail: '#right-rail', editorialStream: '#editorial-stream .edittools-stream', authorBioMobile: '#author-bio-mobile', mainContent: '#main-content', mostPopular: '#after-content', }; /** * This function will generate placeholders */ function generatePlaceholdersAfterElement(selector, elClassName) { var targetElement = $qs(selector); if (!!targetElement) { var el = createElement('div', { class: elClassName }); insertAfter(el, targetElement); } } function generatePlaceholdersInsideElement(selector, elClassName) { var targetElement = $qs(selector); if (!!targetElement) { var el = createElement('div', { class: elClassName }); targetElement.appendChild(el); } } /** * This function will generate placeholders */ function generateIncontentPlaceholders() { var articles = $qsa(selectors.editorialStream + '>li'); var totalArticles = articles.length; var articleRowIndex = 0; if (totalArticles > 0) { for (var i = 0; i < totalArticles; i++) { if ((i + 1) % 5 === 0) { var target = articles[i]; var parentWrapper = createElement('li', { id: 'stream-' + articleRowIndex, }); var wrapper = createElement('div', { class: posData.editorialStream.placeholder, style: 'text-align:center;' }); parentWrapper.appendChild(wrapper); insertAfter(parentWrapper, target); articleRowIndex++; } } } } /** * This function will generate placehoders for template based on device */ function generateTemplatePlaceHolders() { if (deviceType !== 3) { generatePlaceholdersInsideElement(selectors.rightRail, posData.rightRail.placeholder); // generateIncontentPlaceholders(); } else { generatePlaceholdersAfterElement(selectors.authorBioMobile, posData.afterBio.placeholder); generatePlaceholdersAfterElement(selectors.mainContent, posData.afterContent.placeholder); generatePlaceholdersAfterElement(selectors.mostPopular, posData.afterBottomBlock.placeholder); } } generateTemplatePlaceHolders(); //dfp setup window.dfpConfig = { 1: { 'recx': { 'size': posData.rightRail.sizes, 'cssClass': posData.rightRail.placeholder }, 'rec': { 'size': posData.editorialStream.sizes, 'cssClass': posData.editorialStream.placeholder }, }, 2: { 'recx': { 'size': posData.rightRail.sizes, 'cssClass': posData.rightRail.placeholder }, 'rec': { 'size': posData.editorialStream.sizes, 'cssClass': posData.editorialStream.placeholder }, }, 3: { 'mobilerec': { 'size': posData.afterBio.sizes, 'cssClass': posData.afterBio.placeholder }, 'mobilex': { 'size': posData.afterContent.sizes, 'cssClass': posData.afterContent.placeholder }, 'rec': { 'size': posData.afterBottomBlock.sizes, 'cssClass': posData.afterBottomBlock.placeholder }, } }; generatePlaceHolders(null); initializeDFP(function () { if (deviceType !== 3) { loadSingleUnit(['recx'], 0, null); loadSingleUnit(['recx'], 1, null); // loadSingleUnit(['rec'], 0, 'stream-0'); // loadSingleUnit(['rec'], 1, 'stream-1'); } else { loadSingleUnit(['mobilerec', 'mobilex', 'rec'], 0, null); } }); </script><div class="overlay"></div> </body> </html>

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Ryan Frailich – Forbes Advisor