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Wednesday, April 18, 2018

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...

 

Wednesday, April 11, 2018

As 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...

 

Wednesday, April 4, 2018

Even 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:...

 

Wednesday, March 28, 2018

The “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...

 

Wednesday, March 21, 2018

With 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...

 

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Tuesday, March 13, 2018

Annuities 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....

 

Wednesday, March 7, 2018

It’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...

 

Wednesday, February 28, 2018

Not 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...

 

Wednesday, February 21, 2018

It’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...

 

Wednesday, February 14, 2018

Whether 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,...

 

Wednesday, February 7, 2018

A 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...

 

Wednesday, January 31, 2018

The 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...

 

Wednesday, January 24, 2018

Annuities: 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...

 

Thursday, January 18, 2018

A 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...

 

Wednesday, December 20, 2017

Giving 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...

 

Wednesday, December 13, 2017

Financial 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...

 

Wednesday, December 6, 2017

No 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...

 

Wednesday, November 29, 2017

Losing 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...

 

Wednesday, November 22, 2017

Financial 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...

 

Wednesday, November 15, 2017

Saving 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...

 

Thursday, November 9, 2017

Owning 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...

 

Monday, November 6, 2017

When 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...

 

Thursday, October 26, 2017

When 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...

 

Thursday, October 19, 2017

Financially preparing for retirement is essential in order to maintain your quality of life as you age. As long-term-care costs continue to rise, having adequate money to cover any medical situations is an escalating concern. And the...

 

Thursday, October 12, 2017

So, you have sent the kids off on their own and now find yourself an empty nester. This new life stage brings quieter vibes in the house and less multitasking to manage. But beyond the physical changes, you also have new financial...

 

Wednesday, October 4, 2017

Finding any helpful reason to pull down your tax liabilities is a welcomed benefit, no matter one’s age. But, once you move into your golden years, exploring new tax benefits is worth the time and effort—you may have specific tax...

 

Thursday, September 28, 2017

Once retired, many once-active people fall prey to the lure of the couch. With newfound time on their hands and a new life stage before them, finding ways to occupy themselves can be challenging. Yet, making a point to stay active and...

 

Wednesday, September 20, 2017

September is Life Insurance Awareness Month, which aims to increase awareness about the importance and helpfulness of having life insurance coverage. Over the years, life insurance has become an essential way to protect one’s...

 

Wednesday, September 6, 2017

No matter what life stage you’re in, knowing your financial health is important. Just as a regular checkup with the doctor will give you insights on your medical well-being—and any course corrections you should take—so, too, will...

 

Wednesday, August 30, 2017

Ensuring you have the money you need to support you throughout retirement is an ongoing responsibility that shouldn’t be overlooked, no matter what retirement stage you’re in. When building and maintaining your plan, healthcare is a...

 

Wednesday, August 23, 2017

Serving as a caregiver for your parents and children is a hefty responsibility that can impact many areas of your life. As a “sandwich generation” member, you are supporting aging parents—who may be ill, unable to be financial...

 

Wednesday, August 16, 2017

Aging can be a difficult topic for families to address when planning for seniors’ financial and care needs. Discussing emotional details such as wills and caregiving needs can feel heavy and complicated, making the conversations easy...

 

Wednesday, August 9, 2017

Having enough money to last through retirement is essential, and retirees have a variety of financial strategies to help them build the lifelong income they need. One such financial option is purchasing annuities. Yet, many myths...

 

Wednesday, August 2, 2017

Most of your adult life, you’ve probably focused on building a retirement savings that will cover your living costs. But once you officially retire, your financial planning shouldn’t stop. Managing your expenses to support your...

 

Wednesday, July 26, 2017

Our lives inevitably change requiring us to evolve with the momentum. And for those holding life insurance policies, keeping your policy up-to-date and relevant to your life is essential. A variety of events can come our way at any...

 

Wednesday, July 19, 2017

For many people planning for retirement, investing into annuities is a helpful strategy to build guaranteed income. Once you take retirement distributions, you receive a set amount based on details like the annuity you purchased and...

 

Wednesday, July 12, 2017

No matter what stage of life someone’s in when he or she marries, a union brings reason to celebrate. And, for individuals who are 55 and older, remarrying is even on the rise.[1] When marrying later in life, people’s finances are...

 

Wednesday, July 5, 2017

Everyday, more and more baby boomers retire, bringing with them a shifting retirement landscape. This large demographic began turning 65 years old in 2011, and by 2029, all boomers will be at least 65, forming 20% of the U.S....

 

Wednesday, June 28, 2017

A seasoned military career brings a unique professional experience for millions of people each year. We have roughly 1.3 million active-duty military service members.1 And at least 1.47 million non-disability military retirees receive...

 

Wednesday, June 21, 2017

As retirees embrace their new life stage, many of them consider relocating to other locales. In fact, almost two-thirds of retirees plan to move or do move in retirement.1 While retirees move for a variety of reasons, relocating in...

 

Wednesday, June 14, 2017

Many retirees invest in annuities as a helpful strategy for building retirement income. Since fixed-rate annuities can provide guaranteed payments at set amounts, retirees can more easily predict and manage their budget. And having...

 

Wednesday, June 7, 2017

Divorcing later in life is becoming more normal for people who are 50 years or older. In fact, since the 1990s, this “silver divorce” rate has more than doubled. In 2015, for every 1,000 married people 50 and over, 10 divorced — an...

 

Wednesday, May 31, 2017

Summertime is nearly here, along with running ACs, cooling off at the pool, and other quintessential summer actions returning across the country. Beyond the temperature increase, summer can also bring increased spending. Here are some...

 

Wednesday, May 24, 2017

Have a new college graduate? Give your loved one the gift of financial readiness. The time of year is here when budding college graduates go out into the world to make their career dreams and goals a reality. Yet despite their new...

 

Wednesday, May 17, 2017

Navigating complex terms when managing your finances is an ongoing responsibility. Yet, with all the information to process, understanding the plethora of jargon and industry-specific terms can be cumbersome. We’re continuing our...

 

Thursday, May 11, 2017

When retirees have policies such as annuities, they receive distributions from these investments that can provide them with income. As such, when you hold annuities, you can typically elect different ways to receive this money, and...

 

Thursday, May 4, 2017

When you are planning for retirement, creating a strategy to receive ongoing income is an important way to help ensure you can maintain the quality of life you desire. Annuities can be a helpful tool for many investors, due to the...

 

Thursday, April 27, 2017

With the spring season budding, now is a great time to ensure your financial accounts are up to date and secure. Just like the dust that can collect in your house, so too can your financial accounts grow stale. No one wants to add...

 

Wednesday, April 19, 2017

Know The Difference Between Qualified and Nonqualified Annuities For many investors looking to secure their cash flow in retirement, annuities are a common way to receive the guaranteed income they need in the future.1 Different...

 

Wednesday, April 12, 2017

Paying for healthcare in retirement is no small task. With costs escalating and coverage growing more complex, you can take steps today to help ensure you’re not struggling tomorrow. As your explore your own retirement planning and...

 

Thursday, April 6, 2017

Maintain Your Standard of Living in Retirement Saving for retirement, and working to maintain your standard of living, is an ongoing responsibility so you don’t see your quality of life drop in your later years. Unfortunately, for...

 

Thursday, March 30, 2017

Last week, all four of the indexes we discuss in these market updates saw their performance stumble. The S&P 500 lost 1.44%, the Dow was down 1.52%, the NASDAQ gave back 1.22%, and the MSCI EAFE declined 0.07%. 1 On Tuesday, March 21,...

 

Wednesday, March 15, 2017

Being a small business owner is a unique life experience that can provide many personal and professional rewards, such as being in control of your career. But, this also brings specific financial challenges when creating a path to...

 

Wednesday, March 8, 2017

Before you retired, you spent time creating strategies that could help you reach your goals in retirement. You might have invested for the income you need, minimized your debt, or protected yourself with long-term-care insurance,...

 

Wednesday, March 1, 2017

Life insurance policies and annuities can be a helpful tool for providing extra protection and income for yourself and your family. But, you can also receive deeper benefits thanks to certain tax advantages that each investment offers...

 

Wednesday, February 22, 2017

Financial fraud is, unfortunately, a common practice in America that costs individuals and businesses billions of dollars each year. And research shows that people underreport financial fraud, which can also be difficult to...

 

Thursday, February 16, 2017

Losing a spouse is never easy — and a difficult topic for many to think about. But when you become a widow or widower, moving beyond the grief to address important financial items in your life is essential. Whether you recently lost...

 

Wednesday, February 8, 2017

Financial lives are inherently complex and require thoughtful perspectives and strategies for yourself and your loved ones. And you have even more financial nuances to organize if your family has two or more adult generations living in...

 

Wednesday, February 1, 2017

Enjoying a comfortable retirement depends on how well you prepared ahead of time to support your desired lifestyle — and how well you keep a pulse on your financial wellbeing after your retire. You may need to periodically check in and...

 

Wednesday, January 25, 2017

Life insurance and annuities can bring protection and retirement income that is essential for many people’s financial needs and goals. And when you purchase these items, you gain the opportunity to name beneficiaries who will receive...

 

Thursday, January 19, 2017

When preparing for retirement, imagining the new lifestyle you’ll embark on can be exciting. From travel to family time to relaxation, a fulfilling retirement looks different to each individual. But preparing for the quality of life...

 

Wednesday, January 11, 2017

The financial world is filled with confusing industry jargon and lingo. So, to help you get a hold of common terms you should know, we’ve put together a quick guide for your reference. From life insurance to annuities, use this...

 

Wednesday, January 11, 2017

For most of your adult life, you’ve had the protection of life insurance to help safeguard you and your family. But as your life evolves, your family's needs and financial goals will inevitably change, too. With every transition and...

 

Wednesday, December 28, 2016

For most of your adult life, you’ve protected yourself and your family with life insurance. Having a back-up tool in place to help replace income for your family should you pass away is part of a sound wealth-preservation plan. For...

 

Wednesday, December 21, 2016

For many Americans, preparing to retire takes decades of investing and careful saving so you have the income you need to support your lifestyle. And once that retirement begins, you have to start collecting on your investments into...

 

Wednesday, December 14, 2016

With 2016 ending in a handful of weeks, we’ve officially entered into the terrain of year-end tax planning. And if your assets include annuities, then you have specific details to be aware of when managing your taxes. A variety of...

 

Wednesday, December 7, 2016

Thanksgiving flew by, and now here we are, deep in the holiday season. And if you’re a grandparent, finding the perfect gift for your grandchildren can be challenging. While the hottest new toys and gadgets offer an exciting present...

 

Wednesday, November 30, 2016

Your Beneficiary Planning — Life Insurance and Annuities Investing brings with it a world of planning complexities to navigate as you pursue your unique financial goals. And your beneficiary planning when you have life insurance and...

 

Wednesday, November 23, 2016

No matter what life stage you’re in, making sure you have the income you need for retirement is an ongoing planning need. However, fewer than half of Americans are prepared to afford at least 80% of retirement expenses1. Retirees have...

 

Wednesday, November 16, 2016

Managing your family’s financial needs requires daily, ongoing oversight and planning if you want to uphold lifelong wellness. And for families who have loved ones with disabilities, the planning needs become even more intricate. You...

 

Thursday, November 10, 2016

Owning a small business can be an incredibly rewarding experience. But, when you’re your own boss, you also control your business’ destiny — which can directly affect your own life outside of being a business owner. And in order to...

 

Wednesday, November 2, 2016

So, you’re looking to save more money to support the income you need in retirement and are considering or want to revisit your annuities. As a retirement-income investment, annuities can help you grow tax-deferred savings until you’re...

 

Wednesday, October 26, 2016

Growing older in America today isn’t what it used to be. Twenty years ago, the average person’s life expectancy was 76 years1. Fast forward to 2016, and a woman turning 65 today can expect to live until 87 years old and a man can...

 

Wednesday, October 19, 2016

Life with grandchildren means getting to spend your later years doting on your favorite little ones. For some, it also means a new chapter of raising a family in a “second parenthood.” In fact, across the U.S., 2.7 million people are...

 

Wednesday, October 12, 2016

Retiring in America is how many people look to their futures. Saying goodbye to your working years and entering a stage of enjoying your life in new ways — often in ways you’ve dreamed of — is a rite of passage for most Americans. Of...

 

Wednesday, October 5, 2016

So, you’ve saved with your 401(k) and maxed out your IRA contributions and other traditional retirement-savings strategies. And you still have taxable money that should be helping you develop lasting retirement income, rather than...

 

Tuesday, September 27, 2016

We all know that life isn’t static. A constant ebb and flow of events like family developments, career changes, and retirement inevitably bring changes to your financial needs and lifestyle. When these events occur, they can often...

 

Wednesday, September 21, 2016

For most people, life insurance is an essential tool for protecting your estate and loved ones should anything happen to you. When you take out a permanent life insurance policy — whole, universal, or variable — you gain another...

 

Wednesday, September 14, 2016

Sending a child or grandchild to college comes with new insurance responsibilities. Whether they’re already in college or still have a few years to go, your family’s insurance needs change when your children go off to school....

 

Wednesday, September 7, 2016

If you’ve ever had your credit card number stolen or found unauthorized activity on one of your financial accounts, you know what a headache financial fraud can cause. A 2016 study found that 13.1 Americans became the victims of...

 

Wednesday, August 31, 2016

You know you should be saving for retirement, but what about your other goals? Intermediate goals can be more challenging to plan for because they have a shorter timeframe ¬– three-to-seven years – and may be given short shrift by...

 

Wednesday, August 24, 2016

We’ve all made financial mistakes. Whether it’s living beyond our means and accumulating debt, buying a too-expensive house, saving too little for the future, or any other blunder – we’ve all been there. Here are some tips for learning...

 

Wednesday, August 17, 2016

If you are seeking to cut costs, reducing or dropping your life insurance may seem like a safe bet. In some cases, it might even be a good idea. However, think very carefully before making changes to your policy; once you drop...

 

Wednesday, August 10, 2016

There are many reasons to own an annuity and there are some situations in which using tax-deferred money to purchase an annuity can be a good idea. You want to turn some of your retirement savings into guaranteed income. Income that...

 

Wednesday, August 3, 2016

How long do you plan to live? Ridiculous question, right? If we could know exactly how long we will live, it would make life (and retirement planning) so much simpler. But, we don’t know. We can look at many variables to come up with...

 

Wednesday, July 27, 2016

Traveling this summer? Save yourself a headache by using these tips to help keep your money safe while you’re away. Notify your financial institutions if you’ll be traveling abroad. Few things are more annoying than to have your cards...

 

Thursday, July 21, 2016

One of the best gifts you can give a grandchild is the gift of being financially savvy. Unfortunately, many children leave home without understanding basic financial skills such as how to set a budget, use a credit card, or invest for...

 

Wednesday, July 13, 2016

Are you and your spouse on the same page about money? Do you talk regularly about your finances? If not, a monthly family finance meeting might help. I know, talking about money and budgets every month doesn’t sound like a lot of fun,...

 

Wednesday, July 6, 2016

Many couples prefer to divide household tasks and take on separate family responsibilities. However, when one member of the couple handles all financial chores, the other spouse may find himself or herself in the dark about the family...

 

Wednesday, June 29, 2016

If you’ve been watching the news, you probably know that Britain voted to exit the European Union (EU) on June 23rd after being a member of the European community since 1973. The shocking news caused financial markets to whipsaw, and...

 

Wednesday, June 22, 2016

Though it may be hard to imagine retiring early, many Americans manage to do it while still living comfortable lifestyles. If you’re serious about ending your career early, think carefully about the challenges you face: preparing for...

 

Thursday, June 16, 2016

If you’re like many Americans, the idea of spending your retirement on the couch isn’t all that attractive. The good news is that baby boomers are using their numbers and influence to redefine retirement. While some fill their time...

 

Thursday, June 9, 2016

Muhammad Ali, possibly one of the greatest boxers in history, passed away last week, leaving behind an incredible legacy of strength, perseverance, and vision. While we might not be world-class boxers, we can still take away some...

 

Wednesday, June 1, 2016

Social Security is a major source of income for most retirees, and deciding when to claim your benefit is critical to maximizing your guaranteed government income. Social Security rules changed in 2015, taking away two claiming...

 

Wednesday, May 25, 2016

Grandparents are in a fantastic position to teach their grandchildren about money. Often, grandparents can more openly speak with grandchildren than their parents can. Grandparents often take on the role of family storyteller and...

 

Wednesday, May 18, 2016

Guaranteed acceptance life insurance can be a boon to people who can’t get term life insurance coverage because of age, medical history, or other issues. Applications don’t require medical exams or even detailed questionnaires and...

 

Friday, May 13, 2016

Most people have dozens of financial priorities competing for attention at any given time. Sitting down for an annual review can help you sift through those priorities and ensure that you are still on track to meet your goals. Though...

 

Wednesday, May 11, 2016

A recent survey found that 68% of women and 56% of men are losing sleep over at least one money issue. While most respondents were concerned about saving enough for retirement, many also worried about healthcare, debt, education...