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Financial Planning

Planning for Retirement? Don't Overlook an IRA

June 1, 2011
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Nearly 50 million American households own an individual retirement account (IRA).1 While the IRA has evolved into a popular retirement savings vehicle — with more than $4 trillion in total assets — it is often an overlooked component of most investors’ financial planning strategies. In fact, over the past two years, only 15% of households…

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401(k) Decisions — You Can Take It with You

April 16, 2011
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If you are preparing to change jobs, do you know what your choices are for managing the money in your current employer’s retirement plan? Although many people choose to take a cash distribution, there are other options that may benefit you more. Uncle Sam Loves Cash Distributions Taking a lump-sum cash distribution may trigger an…

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Tips for Transitions: Make the Most of Your Retirement Account Options

March 17, 2011
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It’s a fact: The average American holds nine different jobs before the age of 34.* It’s also a fact that the decisions you make about how to manage retirement assets when changing jobs can have a direct impact on your future financial health. Case in point: “Cashing out” retirement plan assets before age 59½ (55…

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Mid-Life Investing — Making the Most of Your Asset-Building Years

January 17, 2011
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As you move through your peak earning years, you’ll probably see your net worth steadily rise. At the same time, you’ll still have some work to do before you realize your financial goals. That’s why it’s important to have a solid plan in place. Here are some steps to help keep your portfolio on track.…

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Life Insurance: Protecting Today's Assets and Tomorrow's Heirs

December 19, 2010
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Many people obtain life insurance when they first have children and then forget about it, except for when the premium bill comes due. But an effective financial plan includes reexamining your life insurance needs continually throughout your life to ensure the assets you’ve accumulated are protected and to provide additional opportunities to create wealth. Estimate…

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Safety in Numbers: Why Diversification Matters

December 17, 2010
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Think of investing as a venture into uncharted territory — but you need to pack well in order to strive for success. Don’t rely on a single investment vehicle to pursue your investment goals. Rather, build your portfolio with a selection of investments designed to work together. This process — dividing your investment dollars among…

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Using Annuities to Generate Retirement Income

November 19, 2010
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An annuity is a contract between an investor and an insurance company in which the insurance company promises to make payments to the investor either immediately or at a future time. An immediate annuity, as its name suggests, offers payments that start immediately. With a deferred annuity, payments are delayed to a future date. You…

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The Basics of Long-Term Care Insurance

November 19, 2010
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Thinking about the need and the costs of long-term care is enough to make anyone uncomfortable. But while it’s a difficult subject to talk about, it’s also a topic that often generates lots of questions and misunderstanding. Consider this: The average cost of nursing home care in the United States now exceeds $70,000 per year,…

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The Impact of a Divorce on Your Finances

November 17, 2010
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Divorce can extract a heavy price — both emotionally and financially. Protecting your financial health during a divorce is crucial. If you and your spouse are headed toward a split, be sure to learn about the laws that shape divorce proceedings and the impact they can have on your assets. Dividing the Assets Typically, everything…

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Insurance Strategies to Help You Protect Your Business

October 19, 2010
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As a business owner, you need to ensure that you have adequate insurance coverage to protect family, business partner(s) and key employees, so that no matter what the future holds, the business can continue to provide for those who depend on it. With the right insurance strategies in place, you can guard your business against…

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