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Failure to Plan: Is It Planning to Fail?

Benjamin Franklin once said, “If you fail to plan, you are planning to fail.” But as you chart your financial course, what steps should you take to help you keep moving forward to where you want to go? Consider these suggestions: • Establish...

 

Should You Stick With Index-based Investments?

You may have heard that you can simplify your investment strategy just by owning index-based or passive investments. But is this a good idea? You’ll want to consider the different aspects of this type of investment style. To begin with, an...

 

Look Closely at Open Enrollment Choices

Once again, it’s the season for football games and back-to-school activities. And if you work for a medium-size or large employer, it will soon be open enrollment season – the time of year when you can review your employee benefits and make...

 

When Should You Adjust Your Investment Mix?

There are no shortcuts to investment success — you need to establish a long-term strategy and stick with it. This means you’ll want to create an investment mix based on your goals, risk tolerance and time horizon — and then regularly review it...

 

Are You Properly Insured?

You probably won’t see it on your calendar, but September is Life Insurance Awareness Month. And it is indeed important to be aware of the importance of life insurance. Are you adequately insured? Many people aren’t. About 40% of Americans face s...

 

Should You Own Bonds When Interest Rates Rise?

It’s no secret that this has been a tough year for the stock market. But if you own bonds, you may also have some concerns. What’s happened is that the Federal Reserve has been raising interest rates to fight inflation. This can cause the value...

 

What Should You Know About IRA Rollovers?

If you’ve been contributing to an IRA, you’ve chosen a great way to save and invest for retirement. All IRAs have potential tax benefits and a range of investment possibilities, but not all IRA providers offer the same features. So, if you decide...

 

When Can You Choose Retirement?

If you’re like most people, your work has been a central part of your life. So, wouldn’t it be nice to have the flexibility to decide when you no longer want to work? Many people of retirement age have achieved this type of control. In fact,...

 

529 Plans: Underused But Valuable

In just a few weeks, students will be heading off to college – and parents will be getting out their checkbooks. Without a college-bound student in your home right now, you might not be thinking much about tuition and other higher education...

 

Strengthen Your 'Three-legged Stool' for Retirement

​When many people hear the words “estate planning,” they assume it’s just for the wealthy. But that’s not the case because everyone can benefit from an estate plan. And when you’re creating one, you’ll want to avoid some common...

 

Prepare Yourself for a Long Retirement

We all want to live long lives. We all expect to live long lives. But are we financially prepared for this longevity? Before we get to the issue of preparation, let’s look at a couple of interesting findings from a 2022 survey by Age Wave and Edwar...

 

What to Expect From a Financial Advisor

If you know how important it is to invest for your future, but you’re unsure of the road to follow, you may want to get some guidance and direction from a financial professional. But if you’ve never worked with one before, what can you expect?...

 

Take Steps Toward Financial Freedom

Next week, we observe Independence Day, an opportunity to celebrate all the liberties we enjoy in this country. Of course, there are different types of freedoms – such as financial freedom, which can open the doors to many other opportunities....

 

New Limits Expand 401(k), IRA Opportunities

You could spend two, or even three, decades in retirement. So, to pay for all those years, you’ll probably need to take full advantage of your retirement accounts. And in 2022, you may have expanded opportunities to deduct retirement plan...

 

What Investors Can – And Can't – Control

As an investor, you can easily feel frustrated to see short-term drops in your investment statements. But while you cannot control the market, you may find it helpful to review the factors you can control. Many forces affect the financial markets,...

 

Should You Make Extra Mortgage Payments?

You might enjoy owning your home – but the mortgage? Not so much. In fact, you might want to do everything you can to pay it off as quickly as possible. But is that always the best strategy? In one sense, your mortgage can be considered a...

 

Harness the Power of Budgeting

When you hear the word “budgeting,” your first thought might be that it’s mostly for young people starting out in their careers and adult lives. Yet, budgeting can be important for everyone, no matter their age. And even if you feel that...

 

Retiring Early? Know Your Health Care Choices

Life doesn’t always go as planned. For example, you might think you’ll retire at 65 or later, when you’ll be eligible for Medicare. But if you retire before then, how will you pay for your health care? Without insurance, you risk incurring...

 

New Opportunities for 529 Plan Owners

If you want to provide educational opportunities for your children or grandchildren, you may want to consider investing in a 529 plan. In recent years, this plan has gotten more flexible, and potentially more powerful, than ever. A key benefit of a...

 

How To Be a Good Money Manager in Retirement

If you reach retirement with a significant amount of assets, you’ve done a great job of saving and investing. But now comes another challenge – making that money last. You might think that this task, as important as it is, won’t be as hard as a...

 

Will Your Money Last as Long as You Do?

We all hope for long, healthy lives. But there’s a serious “side effect” of longevity – the possibility of outliving our money. How can you help prevent this? It’s useful to know the seriousness of the threat. Consider this: About 41% of...

 

Match Your Financial Goals with the Right Strategies

To achieve most goals in life, you need some type of strategy. And that’s certainly true for your financial goals. Since you likely have multiple financial goals, you may need to pursue several different strategies – but they all should follow a...

 

Don't be surprised by Social Security taxes

When you apply for your Social Security retirement benefits, you need to think about how much you want withheld for taxes. Many people overlook this issue – only to face an unpleasant surprise at tax time, because Social Security benefits may be...

 

Financial Advisors Can Help Reduce Anxiety

The long-running coronavirus pandemic has fueled a lot of anxieties – including financial ones. But some people have had far fewer worries than others. Consider this: Among those investors who work with a financial advisor, 84% said that doing so...

 

Women May Need Financial 'Catch-Up'

It’s unfortunate but true: If you’re a woman, you face more obstacles than men in achieving financial security. And that means you may well need to put in some extra effort. Just how serious is your challenge? For one thing, women still face a...

 

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