Americans routinely report being anxious about their money and retirement plans. Today, over 50% of American adults report being either “very” or “moderately” worried about retiring with too little money. How can you achieve a...
Read MoreAs you get older, the pressure to plan for long-term care costs rise with your age. To get a good deal on long-term care (LTC) insurance easier, here’s a few secrets for you. 1. Assess your risk. When you’re searching for the right LTC...
Read MoreEven though required minimum distributions (RMDs) are due by the end of the year, there’s some practicality in taking advantage of your RMDs earlier rather than later. Here’s three reasons why taking RMDs out early can be advantageous:...
Read MoreThe “bucket” savings strategy has been gaining traction in recent years, but is it right for you? The idea is simple: have three “buckets” of money where you save – one for now, one for soon, and one for later. Assets are then...
Read MoreWith all its intricacies and technicalities, life insurance can be tough to figure out. Knowing these three myths can make your pathway to coverage easier to understand. Myth #1: I should always buy term insurance and invest the...
Read MoreAnnuities have been a hot commodity in recent years but can sometimes get a bad reputation. While annuities aren’t for everyone, there are situations where annuities may be the best option available, especially as you near retirement....
Read MoreIt’s that time of year—Uncle Sam is asking for money again. If you’ve kept up with the news, you probably know the tax laws have changed a bit. Here’s five important changes you should know before Tax Day. 1. Standard deductions...
Read MoreNot the most exciting topic, long-term care (LTC) is often avoided or overlooked by people when planning their retirement years. However, it can be one of the most important things to have later in life. Having an LTC policy in place...
Read MoreIt’s not for everyone. But, if it’s possible for you, there’s a few great reasons to start collecting Social Security once you hit the age of 62. Check out the reasons below and see if it seems right for you. Reason #1: You may have to...
Read MoreWhether you're aware of them or not, there are some substantial benefits to having a 401(k) plan. Here are four benefits that make these plans worth having. 1. Payroll deduction. At the surface it may not seem ideal, but in reality,...
Read MoreA lot of people ask, “When should I start my estate planning?” The shorter answer is: it’s never too early. There’s lots of ways to go about planning, but generally there are three main steps to be followed when you start: Start by...
Read MoreThe new year has begun, and with it, some tweaks and changes have been made to Social Security that its beneficiaries may notice. Here’s a look at what you can expect if you’re a beneficiary in 2018: A higher tax cap. Workers will now...
Read MoreAnnuities: insurance contracts that offer guaranteed income, usually for life. Some even have capital appreciation. But, you probably already knew that. Do you know the five primary types of annuities, though? Each is unique, and all...
Read MoreA new year brings with it lots of excitement, but also a lot of uncertainty. As a family, are you taking to necessary steps to set achievable, realistic financial goals for 2018 that will help remove any uncertainty from your personal...
Read MoreGiving to charities is a great way to help out your community and give back during the holiday season. Charitable gifting can take many forms, from cash donations to even donated appreciated assets. And individual donations make up...
Read MoreFinancial information can often include confusing industry jargon and lingo. But understanding your financial details can help you use better judgment to make decisions. We are continuing our guide to help you get a hold of common...
Read MoreNo matter your stage in life, saving money is essential to ensure you can afford your lifestyle. Yet, Americans have a money-savings problem: 69% of people do not have $1,000 in savings.[1] Without this financial buffer, we end up...
Read MoreLosing a loved one and life partner is a devastating experience that no one can fully predict. Despite the emotional heaviness one must navigate, another pressing topic requires attention: finances. Knowing how to move forward in your...
Read MoreFinancial literacy in America is staggeringly low. The U.S. ranks 14th on a global scale of financial literacy, and 1 in 5 teenagers do not have basic financial skills.[1] Helping our younger loved ones to understand the...
Read MoreSaving enough money to last through retirement is an ongoing responsibility and one that Americans should take seriously. And the money you may need could be is more than simply replacing the income you had during your career. You...
Read MoreOwning a business in the U.S. is an integral factor of our economy. In fact, the U.S. has 28.8 million small businesses, comprising 99.7% of all business in America.1 And while risks abound in entrepreneurship, owners can take...
Read MoreWhen purchasing a life insurance policy, you can opt to add on different benefits to a standard policy and expand your coverage. These riders help you customize your protection for supporting your family’s unique needs. Different life...
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