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Wednesday, May 8, 2024

Have you ever wondered how you would manage if you suddenly fell ill or were in a debilitating accident? What would you do if you’re unable to earn a living or financially take care of yourself and your loved ones? According to data...

Wednesday, May 8, 2024

529 plans can be powerful college savings tools, but you need to understand how your plan works before you can take full advantage of it. Among other things, this means becoming familiar with the finer points of contributions and...

Wednesday, May 8, 2024

The Free Application for Federal Student Aid (FAFSA) is the means by which students obtain their fair share of the billions of dollars in Federal, state, and college financial aid to help defray the cost of college. The problems...

Wednesday, May 8, 2024

During your working years, you’ve probably set aside funds in retirement accounts such as IRAs, 401(k)s, or other workplace savings plans, as well as in taxable accounts. Your challenge during retirement is to convert those savings...

Thursday, April 4, 2024

One skill that doesn’t lose value even as you age is financial literacy. Seniors struggle with maintaining a fixed income essential for comfort and increasing medical needs. They’re also increasingly vulnerable to fraud, making them...

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Thursday, April 4, 2024

Have you ever wondered about retirement beyond the savings account? Your retirement should be more than just numbers on a statement. Go beyond financial planning and think about a holistic lifestyle. Here is a guide to help you prepare...

Thursday, April 4, 2024

Even before your children can count, they already know something about money: it’s what you have to give the ice cream man to get a cone or put in the slot to ride the rocket ship at the grocery store. So, as soon as your children...

Thursday, April 4, 2024

Working from home can certainly provide you with personal benefits, such as a flexible schedule and more family time. But increasing numbers of people are discovering the tax advantages as well. It’s no secret that you generally can’t...

Thursday, April 4, 2024

Go out into your yard and dig a big hole. Every month, throw $50 into it, but don’t take any money out until you’re ready to buy a house, send your child to college, or retire. It sounds a little crazy, doesn’t it? But that’s what...

Tuesday, March 5, 2024

Business owners hire their children for sound reasons such as instilling a strong work ethic, teaching responsibility, encouraging entrepreneurship, reducing taxes, and saving for a college education. The Tax Cuts and Jobs Act of 2018 ...

Tuesday, March 5, 2024

If you care about what happens to your money, home, and other property after you die, you need to do some estate planning. There are many tools you can use to achieve your estate planning goals, but a will is probably the most vital....

Tuesday, March 5, 2024

One reason for the establishment of the U.S. Education Department (ED) in 1979 was to assist students in paying for a post-secondary education. Like corporations that market to consumers, the ED conducts much of its business with its ...

Tuesday, March 5, 2024

Buying insurance is about sharing or shifting risk, but you may think you’re covered for specific losses when, in fact, you’re not. Here are some common coverage gaps to consider when reviewing your own insurance coverage....

Tuesday, March 5, 2024

What if you’re saving as much as you can, but still feel that your retirement savings goal is out of reach? As with many of life’s toughest challenges, it may help to focus less on the big picture and more on the details.

Thursday, February 8, 2024

There are such things as good and bad retirement accounts, but which is which often depends on your situation. Take traditional and Roth IRAs, for example. They’re similar in a lot of ways, but one of them is probably going to...

Thursday, February 8, 2024

One of the questions we often get, particularly from newer investors or people who are moving into another stage of their investment lives, is “how can I gauge my risk tolerance?” Risk tolerance is an investment term...

Thursday, February 8, 2024

The 20s are a wild decade. One moment you’re graduating college, without a worry (just a bit of student debt) in the world, the next, you are hitting the big 3-0. There are two types of people in the world — those who get...

Thursday, February 8, 2024

There are a lot of articles aimed at people who realize as they grow closer to retirement, they will not be able to generate enough income in retirement to meet their needs. They include tips like: Delay retirement: 65 is just a...

Thursday, February 8, 2024

The Covid-19 pandemic exposed how financially vulnerable many people are and forced us to rethink everything we once knew about money management. The impact of the coronavirus revealed the harsh truth of how unpredictable the future...

Tuesday, January 2, 2024

When your local weather forecaster tells you that it's going to rain, what do you do? That's easy--you reach for your umbrella. So why not purchase an umbrella that can protect you in stormy financial weather? Umbrella liability...

Tuesday, January 2, 2024

Your teen is becoming more independent, but still needs plenty of advice from you. With more money to spend and more opportunities to spend it, your teen can easily get into financial trouble. So before money burns a hole in your...

Tuesday, January 2, 2024

Employer-sponsored qualified retirement plans such as 401(k)s are some of the most powerful retirement savings tools available. If your employer offers such a plan and you're not participating in it, you should be. Once you're...

Tuesday, January 2, 2024

Your need for life insurance changes as your life changes. When you're young, you typically have less need for life insurance, but that changes as you take on more responsibility and your family grows. Then, as your responsibilities...

Tuesday, January 2, 2024

You may have heard that IRAs and employer-sponsored plans [e.g., 401(k)s] are the best ways to invest for retirement. That's true for many people, but what if you've maxed out your contributions to those accounts and want to save more?...

Friday, December 8, 2023

Retirement healthcare planning is the process of strategizing and securing healthcare coverage and funds for medical expenses during retirement. It’s crucial because healthcare costs tend to rise with age, and without proper...

Friday, December 8, 2023

The holiday season should be a time of joy and celebration, but for many it includes added financial stress. The pressure to find the perfect gift, coupled with enticing holiday deals and effective marketing campaigns, could lead to...

Friday, December 8, 2023

Do you picture yourself owning a new home, starting a business, or retiring comfortably? These are a few of the financial goals that may be important to you, and each comes with a price tag attached.  That's where financial...

Friday, December 8, 2023

When developing your estate plan, you can do well by doing good. Leaving money to charity rewards you in many ways. It gives you a sense of personal satisfaction, and it can save you money in estate taxes.  A few words about...

Friday, December 8, 2023

You're about to receive a distribution from your 401(k) plan, and you're considering a rollover to a traditional IRA. While these transactions are normally straightforward and trouble-free, there are some pitfalls you'll want to avoid...

Tuesday, November 14, 2023

Financial literacy may seem like a no-brainer, but statistics say otherwise. According to Annuity.org, more than 30% of Americans said they are just getting by in terms of their finances. This means that debt management, investment,...

Tuesday, November 14, 2023

The longer you live, the greater the chances you'll need some form of long-term care. If you're concerned about protecting your assets and maintaining your financial independence in your later years, long-term care insurance (LTCI) may...

Tuesday, November 14, 2023

Navigating the holiday season while keeping your finances intact is quite the challenge. Exploring these effective tips may go a long way to helping save you money during this festive period. From thoughtful gift-giving to strategic...

Tuesday, November 14, 2023

Caring for your aging parents is something you hope you can handle when the time comes, but it's the last thing you want to think about. Whether the time is now or somewhere down the road, there are steps that you can take to make your...

Tuesday, November 14, 2023

It’s the holiday season and there’s nothing more festive than fraudsters and scam artists coming out of their holes to steal money from you. But we’ve got you covered. The more you know about these potential holiday...

Friday, October 6, 2023

Since the beginning of our existence, humans have associated long life as a gift, a stroke of luck, or the result of good genetics. With advancements in technology that help enable medical breakthroughs and the increasing knowledge on...

Friday, October 6, 2023

Medicare is a healthcare program offering coverage to eligible individuals aged 65 and older and those with certain disabilities. It operates as a federal health insurance program, primarily funded through payroll taxes, providing...

Friday, October 6, 2023

Open enrollment is the annual designated period where employees review, adjust, or select coverage plans to accommodate their evolving needs. This year's timeframe begins from November 1, 2023, to January 15, 2024.

Friday, October 6, 2023

Getting married is exciting, but it brings many challenges. One such challenge that you and your spouse will have to face is how to merge your finances. Planning carefully and communicating clearly are important, because the financial...

Friday, October 6, 2023

Selecting beneficiaries for retirement benefits is different from choosing beneficiaries for other assets such as life insurance. With retirement benefits, you need to know the impact of income tax and estate tax laws in order to...