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Friday, August 21, 2020

How long might you live in retirement? Think carefully. Your answer could influence whether you have enough money for a comfortable retirement or just scrape by. According to pension mortality tables, at least one member of a...

 

Friday, July 31, 2020

Today’s American way of financial life relies on debt as a way of solidifying a desired lifestyle. Therefore, it is important to establish a good credit history if you intend on making more substantial, debt-financed purchases...

 

Monday, July 20, 2020

We are at the midpoint of 2020, and it would be an understatement to say it’s been a challenging year so far in the United States and around the world. We’ve faced health, social, and economic crises that continue to impact...

 

Thursday, July 9, 2020

Knowing your numbers before you make a large financial decision can be a game changer. Check out the webinar below done in partnership with a professional alliance from First World Mortgage Together we discuss topics that repeatedly...

 

Monday, June 22, 2020

Just about anyone who has ever watched a child or grandchild go from the crib to kindergarten and beyond has uttered the phrase, "They grow up so fast." Although you cannot freeze a youngster's precious moments in time, you can take...

 

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Thursday, June 4, 2020

In the sports world, a mental error can cost your team the big game. When you are investing, a mental error can put your retirement portfolio at risk. Mistakes often result from letting misconceptions and emotions affect your decisions...

 

Thursday, May 14, 2020

Saving for both retirement and college can be a real balancing act. Let us consider some hypothetical examples below. Linda and Peter want their one-year-old son, Raymond, to go to college, but are concerned that in 17 years, the cost...

 

Tuesday, May 5, 2020

You have worked long and hard to accumulate the assets that you are using to help finance your retirement. Now, it is time to start drawing down those assets. Exactly how you liquidate your assets will affect your tax and impact how...

 

Friday, April 24, 2020

Professional advisors work in many fields and hold various titles, such as investment advisor, financial planner, accountant, estate planner, insurance agent, and stockbroker. Over the last few years, most professional advisors have...

 

Monday, March 30, 2020

Whether you look forward to staying active in your later years or simply need the income, delaying retirement has many perks worth considering. Americans are living longer, healthier lives, and this trend is affecting how they think...

 

Monday, March 9, 2020

I'm Changing Jobs. What Should I Do with the Money in My Plan? Changing jobs is an important decision -- one that many of us are making more often. Once you've decided to switch jobs, your next move is to determine what to do with the...

 

Monday, March 2, 2020

The SECURE Act was signed into legislation December 2019. It brings about some important changes for Americans saving for retirement and planning for education. While the Act is lengthy and there are details to be worked out, the top...

 

Thursday, February 6, 2020

Here's a refresher course on IRAs -- how they work and how they can help you plan for retirement If you are opening an individual retirement account (IRA) for the first time or need a refresher course on the specifics of IRA ownership,...

 

Friday, January 24, 2020

When it comes to investing, many people associate risk with losing money. But investing entails different types of risk. Understanding each type -- and the potential return associated with your retirement portfolio -- can help you...

 

Monday, December 30, 2019

Money. It's hard to get and easy to lose. It doesn't take long for the wealth you've accumulated to disappear if you don't manage your money well or have a plan to protect your assets from sudden calamity. Snares like the ones...

 

Tuesday, December 10, 2019

When it comes to financial planning, blended families are often faced with how extended family or step family members figure into their decisions about money. Take the first step toward understanding more about their unique dynamics...

 

Tuesday, November 26, 2019

The loss of critical personnel can be life threatening to small businesses; however, it's a risk that life insurance can often mitigate. In fact, life insurance policies are frequently incorporated in plans aimed at making it possible...

 

Thursday, November 7, 2019

There is a good possibility that you or your spouse will eventually require some form of long-term care (LTC). According to the 2019 Genworth Cost of Care Survey Every day until 2030, 10,000 Baby Boomers will turn 65 and 7 out of 10...

 

Monday, October 21, 2019

A Needs Evaluation One of the first steps you'll take in the estate planning process is determining how much planning you'll need to undertake. No two situations are alike. And even individuals who don't have a great deal of wealth...

 

Friday, October 18, 2019

A major issue in estate planning is who to name as beneficiaries on life insurance policies, pension plan accounts, IRAs, and annuities. This important decision often doesn't consider the substantial estate and income tax consequences...

 

Tuesday, October 8, 2019

Taking control of your financial situation can help alleviate stress and potentially free up money to put toward your retirement savings. However, for most it’s easier said than done. The best way to tackle money troubles is to...

 

Thursday, October 3, 2019

Whether you’re an employer or an employee, women face heightened retirement savings challenges. It is perhaps more critical for women to build retirement savings more than men because of two main factors: Women have a longer life...

 

Thursday, September 19, 2019

529s: You have one, but how do you ensure distributions are taken properly? Parents looking to take advantage of the many benefits of a 529 plan will want to know the full details on which educational expenses qualify for tax-free...

 

Tuesday, September 10, 2019

Life insurance may be a cornerstone of a sound financial plan, providing potential financial stability to a surviving spouse, children, or other family members in the event of your untimely death. Sadly, many Americans have no life...

 

Thursday, August 29, 2019

When expectation and reality differ, the results can be tough to take — especially when the subject is retirement. There are some key considerations that do-it-yourselfers can miss when planning for retirement that may give them...

 

Tuesday, July 30, 2019

Pre-Delivery Planning: Understanding your health insurance and anticipate costs Prenatal care Childbirth classes Maternity clothes Crib Car seat Hospital costs (Group private insurance plans generally cover costs) Plan for...

 

Friday, July 26, 2019

Diversification is a basic concept that's critical to building a portfolio able to withstand the test of time. It is the process of spreading your money among a variety of securities to reduce exposure to any one investment or asset...

 

Tuesday, July 16, 2019

Our homes are where we raise our families and build our lives, so it’s no wonder most Americans would prefer to age in their homes rather than relocate. That’s why deciding where to live as you age is anything but...

 

Monday, July 8, 2019

There are many ways to teach your children good money sense. You can fall back on stories of how you used to earn, save and spend money. You can fill their heads with lessons on how important it is to be careful and wise with their...

 

Friday, June 28, 2019

While both an honor and a big responsibility, protecting and distributing someone’s property can be an overwhelming task. The following lists can help you plan and keep track of the many tasks and documents involved in settling...

 

Tuesday, June 18, 2019

Getting married can be one of the most exciting times of your life. Here are some financial tips to help you stay on track as you plan your new life together. Discuss financial styles before marriage. Have an honest discussion about...

 

Monday, June 10, 2019

Debt and Assets Make a list of your assets and debt as you will need to do a financial affidavit for the divorce. Notify creditors that you will no longer be responsible for your spouse’s debts. Close joint bank and credit card...

 

Thursday, June 6, 2019

Many adults are finding that their aging parents need health care assistance. Luckily, there are many options available. Medicare offers only limited financial support for elder care, and Medicaid is available only to those with very...

 

Wednesday, May 22, 2019

The end of a marriage is also the beginning of a new financial life. Reconsidering your financial arrangements, whether or not your income will be reduced, should be a priority as you adjust to your new circumstances. Some of the major...