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Tuesday, November 15, 2022

Answers to your top inflation questionsBeen there, done that. Don’t want to do it again. That’s how many people who lived through the 1970s and 1980s feel about inflation. But today’s reality is that your money...

Tuesday, November 15, 2022

6 points that can help you feel more at ease with market volatilityAlthough market uncertainty might make you feel jittery, keeping your investment cool is critical to your financial success. While it's hard to watch your portfolio...

Monday, November 7, 2022

Inflation swindles almost everybody – stock investors, bond investors…We’ve all heard about Warren Buffett, the 91-year-old multibillionaire known for his friendly demeanor, modest style of living in Omaha, and...

Monday, November 7, 2022

If you hope to retire soon and are concerned about what the future may hold for your investments, you are not alone. Inflation has many retirees and soon-to-be retirees worried about outliving their savings and investments. What...

Thursday, November 3, 2022

Year-end is approaching and being prepared is the best way to make this tax season your easiest yet. Following are important information and tools to help you get ready. As always, meeting with your financial professional early and...

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Wednesday, October 26, 2022

Just what you need, right? One more time-consuming task to be taken care of between now and the end of the year. But taking a little time out from the holiday chores to make some strategic saving and investing decisions before December...

Wednesday, October 5, 2022

The S&P 500 does best when one party controls Congress and the WH too.The 2022 Midterm Elections will feature hundreds of hotly contested races at the state and local level and will decide whether the Democrats maintain – or the...

Wednesday, September 7, 2022

 A beneficiary is the person or entity you name (i.e., designate) to receive the death benefits of a life insurance policy. Some states require that your beneficiary have an insurable interest in your life or be related to you (at...

Wednesday, September 7, 2022

Sometimes a 401(k) loan makes sense, but there are a lot of considerations.Tapping your tax-advantaged retirement savings seems like a desperate financial move (because it is), yet also a sound one in specific circumstances. Best know...

Thursday, August 25, 2022

The Inflation Reduction Act, signed into law on August 16, 2022, includes health-care and energy-related provisions, a new corporate alternative minimum tax, and an excise tax on certain corporate stock buybacks. Additional funding is...

Thursday, August 4, 2022

Fourteen states have notable tax changes taking effect on July 1.Although the majority of 2022 state tax changes take effect at the start of the calendar year, some are implemented at the beginning of the fiscal year. Individual and...

Thursday, July 14, 2022

Broad-Based Job Gains Keep Recession AwayThe U.S. added 372,000 jobs in June, at just a slightly lower clip from May, while the unemployment rate remained unchanged at 3.6%. The participation rate dipped to 62.2% in June as individuals...

Tuesday, July 12, 2022

Markets rarely give us clear skies, and there are always threats to watch for on the horizon, but the right preparation, context, and support can help us navigate anything that may lie ahead. So far, this year hasn’t seen a...

Wednesday, July 6, 2022

Retirement is the time in your life when you want to sit back, relax, and enjoy the fruits of years of hard work. But unfortunately, when the market is volatile, it may bring additional anxiety and stress. The good news is, a volatile...

Wednesday, June 15, 2022

Each year, many of us focus on our financial health by resetting goals and checking off items on our financial to-do list. Attempting to implement everything at once can be overwhelming but a month-by-month approach may help you plan...

Wednesday, June 1, 2022

Five key questions to ask yourself about fixed and variable annuities While fixed annuities are generally considered to be conservative instruments, variable annuities are investments with the growth potential necessary to outpace...

Wednesday, June 1, 2022

The Stock Market has been trying to teach these lessons forever…. The real value of a bear market may be that it gives investors, who are temporarily frozen within its grip, the opportunity to learn or relearn important lessons...

Wednesday, May 25, 2022

The statistics on longevity show that people are living longer and will likely need long-term care (LTC) at some point in their lives. The unknowns each of us faces are how many years we will need LTC and what it will cost. With the...

Sunday, May 8, 2022

Thursday, May 5, 2022

When you're a small business owner, you need to pay extra careful attention to both your business and personal finances. Your financial planning strategies should simultaneously encourage the success of your business while also working...

Wednesday, April 6, 2022

Myth: Social Security will provide most of the income you need in retirement. Fact: It's likely that Social Security will provide a smaller portion of retirement income than you expect. There's no doubt about...

Wednesday, April 6, 2022

As temperatures warm up, trees begin budding, and the days get longer, you probably throw open your windows and think about spring cleaning your home. As you tackle washing windows, cleaning carpets, and sorting out the...

Tuesday, March 1, 2022

Most people who decide to purchase stocks, bonds, mutual funds, or other investment vehicles do so understanding that there are risks associated with investing, but believing that the potential growth they may realize over time...

Tuesday, March 1, 2022

Many IRA and retirement plan limits are indexed for inflation each year. Although the amount you can contribute to IRAs remains the same in 2022, other key numbers will increase, including how much you can contribute to a work-based...

Wednesday, February 23, 2022

Wall Street has little recent history to go from, but two things are very likely. Starting in late 2021 and throughout all of 2022, Wall Street has debated what markets might do if Russia invades Ukraine.

Wednesday, February 2, 2022

Stocks have gotten off to a tough start in 2022. Why has the market pulled back and what might we see going forward? We think the most important thing to remember is that periodic stock market volatility is entirely normal....

Wednesday, February 2, 2022

When it comes to retirement planning, much ado is made of how much to save. But often, the real difference lies in shrewd distribution planning. By withdrawing funds from certain account types in a certain order, you might...

Friday, January 14, 2022

Saturday, January 1, 2022

Tuesday, December 28, 2021

Tuesday, December 7, 2021

Friday, December 3, 2021

Many people wouldn’t consider winter the best time of year to head outdoors, no matter where you live in the US. But in reality, winter is a great season to hit the road and embark on a wonder-filled, adventurous experience in...

Friday, December 3, 2021

With the holidays here, now is the time to get into the giving spirit and help to change others' lives for the better. Whether you are looking to make a difference in a specific person's life or the life of many, there are many ways to...

Monday, November 15, 2021

Year-end is approaching and being prepared is the best way to make this tax season your easiest yet. Following are important information and tools to help you get ready. As always, meeting with your financial professional early and...

Monday, November 1, 2021

The more money that you can save when you are working, the easier it should be for you to retire and enjoy your golden years. Unfortunately, Social Security may no longer provide a sufficient income to live on during retirement. To...

Monday, November 1, 2021

What are appropriate checklists for year-end tax planning? Tax planners often develop checklists to guide taxpayers toward year-end strategies that might help reduce taxes. Typically, suggestions are grouped into several different...

Monday, October 11, 2021

Small business owners are different from the average hourly employee in a lot of ways. One often-overlooked difference is how they plan for retirement. Although small business owners may offer a classic 401(k) for their workers along...

Monday, October 11, 2021

Have you ever wondered how estate planning might fit into your overall, future plans? Even if you are just starting to build your estate and do not need complex estate planning, here’s a quick look at some steps you should...

Monday, October 4, 2021

Small businesses face many problems related to their size, capital, and capability, and for women-owned small businesses, the challenge is sometimes even greater. The good news is there are many professional organizations out there...

Friday, September 17, 2021

After more than four years of international negotiations taking place mostly behind the scenes, 132 countries — representing more than 90% of worldwide gross domestic product (GDP) and including the Group of 20 (G20) large...

Wednesday, September 15, 2021

To accumulate wealth, people may choose to invest their money into various types of investments. Investing creates opportunities that otherwise would be difficult to manage due to the consistency of contributing to the investment....

Monday, August 16, 2021

If you pay attention to financial news, you are probably seeing a lot of discussion about inflation, which has reared its head in the U.S. economy after being mostly dormant for the last decade. In May 2021, the Consumer Price Index...

Wednesday, August 4, 2021

When it comes to retirement plans, there is no one-size-fits-all approach for how to invest. While there are some basic strategies everyone should follow, it’s important to keep in mind retirement plans will vary, depending on...

Monday, July 26, 2021

Monday, July 26, 2021

With its four distinct parts, Medicare can be an alphabet soup of complexity. We provide an overview of the various components and how they impact your healthcare costs. Medicare is available to virtually all U.S. citizens and legal...

Thursday, July 22, 2021

Most of us go to see professionals when we’re in trouble or during times of crisis. Think about it. We go to the doctor when we’re sick. We go see a lawyer when we have a pending legal matter. We go see a counselor when...

Tuesday, July 13, 2021

Whether you've been wondering about boosting your investments' rates of return or are concerned that your financial affairs are a bit too complicated for your next of kin to handle, it may be time to seek advice from a financial...

Thursday, May 20, 2021

Studies show that among the smallest businesses (those with no more than 4 employees), only 5% provide their employees access to a retirement savings plan. The percentages grow with the sizes of the businesses. Almost a third (31%) of...

Friday, April 23, 2021

Deciding when to retire and begin collecting Social Security is an important life decision. For some, savings losses may dictate that you delay your retirement plans and continue working, which means postponing when you begin...

Friday, April 23, 2021

To save money, the Social Security Administration (SSA) stopped mailing annual statements nearly a decade ago. The yearly statements were helpful, as they helped workers estimate their Social Security benefits. Despite this lack of...

Monday, April 5, 2021

After years of saving and investing, you can finally see the big day -- retirement. But before kicking back, you still need to address a few matters. Decisions made now could make the difference between your money outlasting you or...

Thursday, March 11, 2021

The advent of 401(k) and other qualified employer-sponsored retirement plans has been a boon for those seeking to save for retirement while reducing their current tax bite. But for the growing numbers of individuals earning over $100...

Friday, February 12, 2021

As a single parent, you are probably familiar with the dual challenges of managing a household and planning for the future on your own. But are you as familiar with the financial strategies that can stretch your income and help you get...

Thursday, February 4, 2021

"How did it get so late so soon?" -- Dr. Seuss Dr. Seuss's whimsical take on life has been delighting children of all ages for generations. His simple but powerful words continue to resonate today, even in the context of planning for a...

Monday, November 9, 2020

As the end of the year draws near, the last thing anyone wants to think about is taxes. But if you are looking for ways to minimize your tax bill, there is no better time for tax planning than before year-end. That is because there are...

Monday, October 26, 2020

Women play a central role in establishing and preserving family wealth -- whether nurturing the values of children, fulfilling charitable goals, or making investment decisions that affect the financial security of themselves or their...

Monday, October 19, 2020

On October 13, 2020, the Social Security Administration (SSA) officially announced that Social Security recipients will receive a 1.3 percent cost-of-living adjustment (COLA) for 2021. This adjustment will begin with benefits payable...

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...

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...

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...