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Financial Planning Perspectives

 

Tuesday, June 13, 2017

A million dollars ain't what it used to be, but it still earns you entry into an elite group. Only 5.5% of the country, or about 6.8 million households, qualify as bona fide millionaires. That means they have investable assets of $1 million

 

Tuesday, June 13, 2017

Heading into your retirement years brings a slew of new topics to grapple with, and one of the most maddening may be Medicare. Figuring out when to enroll, what to enroll in and what coverage will be best for you can be daunting. To help yo

 

Tuesday, June 13, 2017

A Costco membership opens doors, quite literally, to a vast selection of bulk-size groceries and household goods selling at discounted prices. But buying potato chips and toilet paper by the case is just the start. The warehouse club also s

 

Tuesday, June 13, 2017

When it comes to cheap living, don't mess with Texas. The Lone Star State is home to the two most-affordable cities in America. But Texas doesn't have a monopoly on low living costs. Five other states make an appearance on our list.

 

Tuesday, June 6, 2017

Home Depot is probably the first retailer to come to mind when you’re thinking “ubiquitous big-box hardware store.” The rise of these orange-hued home-improvement centers was a revelation to those who grew up with small, neighborhood hardwa

 

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Tuesday, June 6, 2017

Cyberthreats are where much of the action is for today’s military, but war planners haven’t forgotten the need to keep up with traditional ways of enhancing America’s defense: weapons and the means to deliver them.

 

Monday, May 22, 2017

Many of us first signed up for Amazon Prime years ago to take advantage of free two-day shipping, and stayed with it as the giant online retailer edged the annual fee toward the triple-digit mark. But what are you really getting with your $

 

Friday, March 10, 2017

Your credit score is a critical piece of information that lenders use to determine how creditworthy you might be. Knowing your score - and what it takes to maintain a healthy score - is key to your financial outlook.

 

Friday, March 10, 2017

Small business owners face a unique - but critical- investing challenge. Diversifying investment holdings outside of the business. Luckily there are many options to consider.

 

Friday, March 10, 2017

Is your organization ready to offer a 401(k) plan for the first time - or are you in the market for a new provider? Either way, there are many factors to consider as you weigh the features of various plans.

 

Friday, March 10, 2017

With so many charities competing for your philanthropic dollars, the better armed you are with information, the better able you will be to make a wise charitable choice.

 

Wednesday, January 25, 2017

Recent research has found that when it comes to collecting Social Security benefits, the income replacement rate for two-income couples has been declining steadily for a number of years.

 

Thursday, January 12, 2017

As 2016 draws to a close, take time to reflect on the changes that have occurred in the past 12 months and how they might affect all aspects of your life - including your investment risk tolerance.

 

Thursday, January 12, 2017

Under certain circumstances, the IRS is now allowing individuals who miss the 60-day window to roll over assets from qualified retirement accounts to avoid paying the potential early distribution taxes.

 

Thursday, January 12, 2017

The FINRA Investor Education Foundation set out to determine how skilled Americans are at managing their financial lives. Details of their research are shared in this article.

 

Tuesday, November 8, 2016

When employees leave a company they may leave behind money in a retirement plan account. What are plan sponsors’ options for handling the cash? Here are some answers to commonly asked questions.

 

Tuesday, November 8, 2016

The cost of living varies significantly across the country making it essential to be a savvy shopper and saver - wherever you call home.

 

Thursday, November 3, 2016

The generation of young Americans between the ages of 18 and 34 are now the largest, most influential demographic group in the United States. Here’s a glimpse into their financial world.

 

Thursday, November 3, 2016

Identity theft is rampant in America. And tax-related identity crimes are among the fastest-growing offenses. Learn what the IRS is doing -- and steps you can take -- to help you stay protected.

 

Tuesday, October 4, 2016

Good news for families: the interest rates on new federal student loans is dropping for the coming academic year. Here are the details and resources for more information.

 

Tuesday, October 4, 2016

Do emotions cloud your judgment when it comes to making decisions about your investments? If so, you - and many others - have much to gain by developing a disciplined, long-term plan and sticking with it.

 

Tuesday, October 4, 2016

Creating a long-term financial plan that ties your life aspirations to your financial goals can help you to distinguish wants from needs, establish clear priorities, and avoid misguided investment decisions.

 

Tuesday, October 4, 2016

A retirement plan is crucial to a company's ability to attract and retain loyal, talented employees. The plan's vesting schedule is a key factor determining its appeal.

 

Thursday, September 1, 2016

Here is some basic - but important - information about life insurance policies and why so many Americans are under- or uninsured.

 

Thursday, September 1, 2016

One way to potentially avoid paying an early withdrawal penalty on money taken from your IRA before age 59½ is to use what is called "substantially equal periodic payments (SEPPs)."

 

Thursday, September 1, 2016

Employer matching contributions can go far toward attracting and retaining talented, loyal employees. Make sure you are "getting the message out" about this important benefit.

 

Thursday, September 1, 2016

Gender issues affect more than just a woman's paychecks. Longevity, family caregiving, and the gender wage gap influence women's long-term financial well-being and retirement security.

 

Wednesday, August 10, 2016

Auto-enrollment has helped retirement plan sponsors improve their plan participation rates and enhanced many other key plan metrics.

 

Wednesday, August 10, 2016

There is more to college planning than saving and investing. There is financial aid to consider as well as the search to find the "just right" institution for your child.

 

Wednesday, August 10, 2016

New regulations - so-called "conflict of interest" rules - impacting retirement savers and the financial professionals who serve the retirement industry were introduced by the U.S. Department of Labor (DOL) in April 2016.

 

Wednesday, August 10, 2016

When was the last time you checked the beneficiary designations on your retirement plans? It's an important - but often overlooked or forgotten - aspect of wealth transfer.

 

Wednesday, August 10, 2016

The saver's credit allows certain low- to middle-income individuals to claim a tax credit for making contributions to an IRA or a workplace retirement account.

 

Wednesday, August 10, 2016

Managing finances responsibly takes a lot of time and experience. Learn from your mistakes and try to avoid the traps described here.

 

Wednesday, August 10, 2016

This year, Employee Benefit Research Institute's 26th annual Retirement Confidence Survey found that worker confidence remained stable but did not improve, due in part to lackluster market performance.

 

Wednesday, August 10, 2016

Stock selection is part art, part science. There are many factors that must be considered when evaluating a company including its finances, the industry it operates in, and various valuation metrics.

 

Wednesday, August 10, 2016

Health savings accounts are a popular resource commonly used by individuals covered by a high-deductible health plan. Whether you have access to an HSA through your employer or you opt to enroll in one on your own, there is much to learn

 

Wednesday, August 10, 2016

Many participants in employer-sponsored retirement savings plans have the option to convert their plan assets into a guaranteed annuity when they retire, assuring a steady income flow. Whether you'll want to exercise this option depends o

 

Wednesday, August 10, 2016

With a special estate planning instrument called a QTIP (Qualified Terminable Interest Property) trust, you can give your spouse an income stream for life and choose who will receive the trust property at your spouse's death.

 

Wednesday, August 10, 2016

While the trend toward digital investing and advice appears unstoppable, investors continue to have mixed feelings about the robo-investing movement.