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Will you outlive your retirement income? Are your financial expectations for the coming year realistic?
Our financial newsletters are designed to provide helpful information on a wide variety of financial topics. Simply click on one of the newsletter topics below to read the article in its entirety.
For years, the “4% rule” helped retirees make their savings last, but now a more aggressive withdrawal strategy might be the new norm.
This article presents five steps that could help focus and enhance a retirement savings strategy in 2021.
Did you know there still may be reasons to hold money market mutual funds despite low yields? Read this article to find out more.
The pandemic has underscored the importance of a well-stocked emergency fund. This article offers tips for building up a cash reserve.
When deciding whether to gift assets now or transfer them to heirs at death, you need to understand step-up in basis and tax consequences.
A look at bonus depreciation and Section 179, plus CARES Act changes that may benefit companies that reconfigured spaces for safety reasons.
This article looks at the “new normal,” its effect on consumer behavior and the retail industry, and what that could mean for the economy.
Wondering whether you should pay off student loan debt today or save for the future? Here are some considerations to help make the decision.
Find out how understanding sequence-of-returns risk could help you develop a three-prong distribution strategy for retirement.
If your adult children have returned to your once-empty nest, these tips might help promote a peaceful and productive living situation.
Do you know the differences between open-end and closed-end funds? This article compares the two.
This article focuses on the potential short- and long-term tax ramifications of a Roth IRA conversion.
2020 market turbulence underscores the importance of reviewing an investment portfolio. These five steps could help keep it on track.
Making benefit elections for next year? This article covers three key areas that require careful consideration during open enrollment.
Passively managed index funds and actively managed funds can perform differently over different market cycles. Find out more about each.
This article looks at documents that should be kept up to date, including wills, trusts, advance medical directives, and beneficiary forms.
Small-business owners may need to think on their feet and visualize what a recovery might look like for their operations post COVID-19.
A shift in the balance of power can strongly affect economic policies. View the presidential candidates’ tax proposals and other monetary policy positions.
Saving for short-term goals can require a conservative approach. This article explores some guidelines and potential investment vehicles.
A Unit Investment Trust is structured differently than a mutual fund or ETF. Could its unique features help you ladder your investments?
This article discusses how economists identify and measure economic contractions and compares some characteristics of past recessions.
Some businesses are exposed to risks that may call for a specialized type of liability policy. Does your business have appropriate coverage?
The S&P 500 index recently saw the fastest recovery in its history following the COVID-19 bear market, but will the surge continue?
Filial responsibility laws can hold children responsible for certain parental debts. This potential liability is one reason to plan for long-term care needs.
Decisions made when claiming Social Security retirement benefits can make a big difference in spousal and other dependents’ survivor benefits.
2020’s market volatility combined with holding stock in different-sized companies might help you diversify your equity portfolio at a discount.
This article outlines the basic provisions of income-driven repayment plans that can help reduce the burden of federal student loans.
Do you know the reasons why business owners might need to take the time to develop a thoughtful succession plan?
Paying for college can mean borrowing money or risking savings. This article focuses on financial aid and the importance of informed academic choices.
Do you know the differences between debit and credit cards? This article discusses both and when it might be better to use a credit card.
Lower tax rates and asset values may make now the time to consider a Roth conversion. This article outlines the rules and potential benefits.
A look at the economic conditions that triggered the 2020 bear market and why investors may benefit from having a longer-term perspective.
This article looks at the potential shape of the COVID-19 economic recovery with some historical context and key factors that may affect the direction of the economy.
The middle of the year is an ideal time to revisit financial resolutions and consider steps that may help develop a stronger financial position.
This article provides an overview of two versions of the Roth five-year rule and how they apply to various situations.
The Federal Reserve’s “Beige Book” provides a broad overview of the economy that is often essential for making economic policy decisions.
If you are self-employed, do you know how to calculate quarterly estimated tax payments in order to avoid underpayment penalties?
This article discusses risks involved in developing treatments and vaccines for COVID-19, and why discoveries might not benefit investors.
This article presents some steps employees can take to get the most out of their employer-sponsored retirement plans.
Wills and trusts can each help in the distribution of assets at death. This article points out important differences between the two.
Do you know the potential benefits and risks of exchange-traded funds and how they differ from mutual funds?
This article offers ideas to help investors focus on strategic decisions rather than react emotionally to the latest market news or movements.
A look at the financial, emotional, and physical costs of family caregiving with some helpful suggestions for caregivers.
Many large employers offer telemedicine programs in their benefit packages. Do you know the potential advantages of telemedicine?
This article features a worksheet to help you estimate the savings you might need to generate your desired retirement income.
Discover the basics of P/E ratios, with an emphasis on analyzing them in the appropriate context for making meaningful comparisons.
Find out how the rules for early-distribution penalty exceptions differ for withdrawals from traditional IRAs and employer-sponsored plans.
Optional riders that add living benefits to annuities might help retirees address two financial risks: outliving their savings and paying for long-term care.
As a small-business owner, do you know the types of coverages that may or may not be included in a standard business owner policy?
Stay-at-home spouses can fall behind in saving for retirement. This article explains how a spousal IRA can help keep retirement savings on track.
A survey of workers and retirees yielded three key findings that may prove helpful in planning for retirement. Find out more.
Ever wonder why the IRS might take a closer look at a taxpayer’s return? This article discusses different types of audits and what might trigger one.
Learn about six blind spots that can lead to regrettable portfolio decisions (and how investors might avoid them).
Millennials, Gen Xers, and baby boomers face different challenges in pursuing retirement goals. This article offers strategies to help address them.
More than half of 401(k) participants invest in target-date funds, but are they right for everyone? This article provides an overview.
How does a traditional or Roth structure affect your IRA or employer-sponsored retirement plan? And what do their differences mean for older workers?
Tax changes in the 2017 Tax Cuts and Jobs Act affect some investors more than others, with implications that spill into the municipal bond market.
Cyber attacks and loss of data can be devastating, so businesses should be proactive about addressing this risk.