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Financial Planning

Lifestage Investing: Strategies for the Ages

August 31, 2011
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Investing is a lifelong process. And regardless of what financial stage of life you’re in, you’ll have to decide what your needs are and how comfortable you are with risk. From there, however, the actual investment strategies that you decide to implement probably should reflect your current lifestage. Why? Because as your investment goals change…

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Gearing Up for a New Beginning — Retirement

August 24, 2011
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People who are getting ready to wrap up their careers and leave the working world often refer to retirement as “a new chapter” or “the next act” in their lives – and rightly so. As a pre-retiree, you may have even used those analogies yourself. But do you also realize that it’s possible to play…

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Mixing Equity and Income in Your Stock Portfolio

July 13, 2011
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Low interest rates have been a boon for homeowners, but the picture hasn’t been so rosy for income investors. Yet some people have overlooked one income-producing investment category that may also help with other financial objectives, such as reducing portfolio volatility. What is it? Equity-income investments. Learning the Basics Long-term investors often purchase equities for…

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Considerations for Owning Company Stock

June 22, 2011
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Owning company stock within your employer-sponsored retirement plan is not necessarily a bad thing. The issue, however, is that for some investors, company stock may represent too large a percentage of their retirement plan assets. Here are some tips to help you determine if your portfolio is too heavily weighted with your employer’s stock. Know…

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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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