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Wednesday, June 12, 2019

Your Credit Report Your credit report contains information about your past and present credit transactions. It's used primarily by potential lenders to evaluate your creditworthiness. So if you're about to apply for credit, especially...

Monday, April 15, 2019

You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you'll need to fund your retirement. That's not as easy as it sounds, because retirement...

Tuesday, February 5, 2019

With age comes responsibility, so if you're a young adult in your 20s or 30s, chances are you've been introduced to the realities of adulthood. While you’re excited by all the opportunities life has to offer, you’re also...

Monday, January 14, 2019

Answer: To figure out your net worth, add up the current value of all of your assets, then add up the current amount of all of your liabilities. Subtract your total liabilities from your total assets. The amount you end up with is your...

Thursday, December 20, 2018

It's almost impossible to overstate the importance of taking the time to plan your estate. Nevertheless, it's surprising how many American adults haven't done so. You might think that those who are rich and famous would be way ahead of...

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Thursday, November 1, 2018

Is your financial house in order? The end of the year is approaching and it's a great time to take steps that can help improve your personal finances. Some items to consider: If you're not retired, review your contributions to...

Thursday, October 25, 2018

…reduce your expectation of how much in distributions may be withdrawn from investment accounts and still sustain your purchasing power Thanks to slowing global economic growth and lower expected investment returns, we must...

Wednesday, September 19, 2018

It's hard to talk about college without mentioning financial aid. Yet this pairing isn't a marriage of love, but one of necessity. In many cases, financial aid may be the deciding factor in whether your child attends the college of his...

Tuesday, March 13, 2018

Teach Your Children Well: Basic Financial Education 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...

Wednesday, February 21, 2018

Women Moving Forward Financially after the Loss of a Spouse The loss of a spouse can be a devastating, life-changing event. Due to longer life expectancies, women are more likely to face this situation. Becoming a widow at any age can...

Tuesday, December 26, 2017

When we discuss base lifestyle spending assumptions with clients, most people take a stab at coming up with a number, but there is a wide degree of error and inconsistency. My recommendation is to become aware of what you spend by...

Friday, November 10, 2017

Your contributions to your employer-sponsored retirement savings plan may still enable you to open or contribute to either a Roth or traditional individual retirement account (IRA). However, your (or your spouse’s) participation...

Thursday, October 19, 2017

Housing Options for Older Individuals: As you grow older, your housing needs may change. Maybe you'll get tired of doing yardwork. You might want to retire in sunny Florida or live close to your grandchildren in Illinois. Perhaps...

Wednesday, August 2, 2017

If you are currently, or up to 3-5 years away from, withdrawing your retirement savings, the time-based bucket theory may be a good fit for you. As you shift from wealth accumulation to wealth distribution, you need a strategic plan to...

Monday, June 26, 2017

Yes, you can make a direct or 60-day rollover from a 401(k)plan [or other qualified plan, 403(b) plan, or governmental 457(b) plan] to a Roth IRA, as long as you meet certain requirements.* First, you must be entitled to a distribution...

Monday, June 26, 2017

It's a vicious cycle: Money is one of the greatest causes of stress, prolonged stress can lead to serious health issues, and health issues often result in yet more financial struggles.¹ The clear connection between health and...

Friday, April 21, 2017

Do you have a child between the ages of 6-13? Read on for the facts to learn more about where money comes from, how to earn it, how to make it grow – and how to save for the things you want today or for bigger items in the future...

Thursday, April 13, 2017

At any age, health care is a priority. But when you retire, you should probably focus more on health care than ever before. This is especially true for women. For adults aged 65 and over, and for adults aged 65-74 and 75-84, women were...

Monday, March 6, 2017

Would you rather have weak hands or strong hands? Most people would answer strong hands. Why would I want hands that had issues functioning and were weak? I couldn’t open doors, or type or cook! This analogy has been used in the...