Newsletters
Most Americans spend more time planning for vacations and holidays than planning for their retirement.1
Will you outlive your retirement income? How much liability insurance should you have? Should you add stocks to your portfolio? 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.
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June
Estate of Emergency?
To help ensure that an estate is distributed according to one's wishes, it’s important to have certain legal documents in place.
It's Time to Get Real
During times of market volatility, it can be easy for investors to lose sight of two seemingly immovable obstacles standing in the way of their long-term investment goals: taxes and inflation.
Inflation Goes to College
Over the past 10 years, tuition and fees have grown more than 4% faster than the rate of general inflation at public four-year colleges and more than 2% faster than inflation at private four-year colleges.
Testing Your Liability Limits
This quiz tests the reader’s understanding of personal liability.
The Positives of Negative Correlation
Few asset groups are perfectly negatively correlated, but a portfolio may still be able to benefit from the correlation principle.
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May
HOT TOPIC: Don't Risk an IRA Rollover Mistake
A rising unemployment rate means more people face an important decision about what to do with the money in their former employer’s retirement plan. Fortunately, an IRA rollover can help, but only if it's done correctly.
Celebrate Life and the Benefits of Insuring It
In addition to the protection it can bring, life insurance can also offer some tax benefits.
A Question of Identity
Not only is identity theft costly, it can also be a major hassle that affects a person’s credit score for years. The key to preventing ID theft is awareness.
The Land of Income Mobility
In America, just about anyone who is dissatisfied with his income has the opportunity to roll up his sleeves and move into a different income bracket.
Recapping Market Capitalization
The blurring of lines between large-cap, mid-cap, and small-cap companies is an indication that it may be time to evaluate whether your portfolio holdings have shifted toward or away from your investment objectives.
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April
HOT TOPIC: The Fed Plans to Spend Trillion or More to Spur Growth
For the first time in a generation, the Federal Reserve has undertaken a campaign to influence long-term interest rates, a departure from recent monetary policy that has focused almost exclusively on short-term rates.
Never Too Old—or Too Rich—to Consider Life Insurance
There are many possible reasons to consider owning life insurance, even if you have convinced yourself that it's no longer necessary in your situation.
Avoid the Timing Trap
Market timing is a risky approach that could have a significant effect on a portfolio’s long-term performance.
Income Now or Later
Immediate and deferred fixed annuities are insurance products that could help retirees safeguard some of their nest eggs and provide a steady income stream throughout retirement.
Defend Your Retirement from Inflation
Over long periods, inflation can pose a significant threat to quality of life for retirees, primarily because it reduces the purchasing power of their retirement incomes.
Separate Your Business from Your Portfolio
Allocating too much of your investment capital to one company — even your own — is a risky proposition.
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March
Hot Topic: Historic Stimulus Strives to Spur Economy
In an attempt to address the nation's ongoing economic challenges, Congress has passed and the president has signed the American Recovery and Reinvestment Act of 2009. The $787 billion package is remarkable not only in its scale and scope but in the speed of its passage as well.
Can You Count on Disability Income?
Disability income insurance replaces a percentage of your salary if you should experience a disability that makes it impossible for you to continue working.
When It Comes to IRAs, Know Your Limits
In recent years, IRAs have become the single largest vehicle for retirement savings in the United States.
Time to Revisit Risk
During volatile financial times, it is only natural to reconsider your own personal risk tolerance and review the role of risk in your portfolio.
Another Update on the History of the AMT
The future of the AMT is nothing but uncertain. Therefore, it is important to consider the potential effect of the AMT on your tax liability in the coming years.
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February
HOT TOPIC: Inflation Slows But Still Poses Long-Term Threat
After a year in which energy prices hit record levels, most consumers will be surprised to learn that the 2008 inflation rate was almost zero. But don't be fooled into thinking that inflation is no longer a threat to your long-term financial outlook.
Doing Fine in '09?
Considering the market volatility over the past few months, will we see an improvement in 2009 economic conditions?
Variables You Can Count On
One way to pursue gains in the stock market while also limiting downside risks is through the use of living benefit guarantees that are offered with some variable annuities (for an additional cost).
Retirement Is No Reason for a Portfolio to Stop Working
New research has revealed that nearly 90% of retirement income results from investment returns that are generated after the funds are socked away. This highlights the need to remain diligent when it comes to managing and monitoring investments during the retirement years.
Preparing Not to Inherit
Preparing for retirement will require adequate saving and investing, not just working hard to stay in the good graces of wealthy relatives.
Essential Fundamental Analysis
The fact is that the financial markets rely heavily on fundamental analysis in order to set prices and make decisions to buy or sell.
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January
A Simple Conversion
It has never been easier to convert all or part of an employer-sponsored retirement plan to a Roth IRA.
Investors Without Borders
As foreign markets step up to take their places on the international stage, investors content to stay at home may miss out on some opportunities.
Averaging for Dollars
Dollar-cost averaging is a method of investing that may enable you to achieve a lower average cost per share over time.
The Most Important Blank
The most important document in an estate conservation strategy might not be a will or any other document a lawyer was paid to create, but rather your retirement account beneficiary form.
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December
Protection for a Rainy Day
For a reasonable price, umbrella liability insurance policies can help close the gap between your auto and homeowners insurance policies and a potentially devastating liability claim.
Don’t Bet Your Life on These Insurance Myths
Learning about common life insurance misconceptions can help you make one of the most important decisions for those you leave behind.
What Employment Says About the Economy
As important as the national unemployment rate is, it’s only a small segment of the overall data collected on the nation’s jobs situation and the economy at large.
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