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Life Planning

Financial Planning–Helping You See the Big Picture

December 21, 2011
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Do you picture yourself owning a new home, starting a business, or retiring comfortably? These are a few of the financial goals that may be important to you, and each comes with a price tag attached. That’s where financial planning comes in. Financial planning is a process that can help you reach your goals by…

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Proper Financial Planning: Critical for Women

October 19, 2011
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A key goal of investing for retirement is making sure you save enough to make your money last throughout your lifetime. On this score, women may need to save more than men. The current life expectancy of a female at birth is almost 81 years, compared with 75 years for a male. 1 Although six…

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Yours, Mine and Ours — A Couple’s Guide to Retirement Planning

October 12, 2011
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While the reasons for earning two incomes may vary from couple to couple, these families often face a similar financial challenge: participation in separate retirement programs. As a couple, your combined retirement assets are not just limited to what you may have accumulated in your current employers’ retirement plans. You also need to consider any…

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Working Past Your Normal Retirement Age

October 5, 2011
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The Great Recession has many older Americans considering the prospects of staying in the workforce past their normal retirement age. But working past your normal retirement age is not a new necessity. According to the Social Security Administration, nearly 31% of individuals between the ages of 70 and 74 reported income from earnings in 2008,…

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Women, Money and Today's Retirement

September 28, 2011
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Despite all of the other advances made in our society in recent generations, women continue to face unique challenges when it comes to preparing for their financial futures. Recognizing the Shortfalls For starters, women on average still earn less than men, according to the Department of Labor’s Bureau of Labor Statistics. And because women tend…

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A Retirement Reality Check

August 10, 2011
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If you have already retired or if you can count the number of years until retirement on your fingers then please heed this friendly warning: Unless you’re already making the most of your current retirement planning strategies, then it may be difficult to lay the groundwork for a financially secure future. Don’t just take my…

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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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Who Is Your Beneficiary?

October 17, 2010
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 Good planning takes into account both the expected and the unexpected. By building your nest egg, you’re planning for the comfortable retirement you always hoped for. All it takes to plan for the unfortunate event that something unexpected happens on the way to retirement is to name beneficiaries for all your investments. While it…

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