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Tax Planning Tips: Life Insurance

October 13, 2015

Understanding the importance of life insurance is one thing. Understanding the tax rules is quite another. As insurance products have evolved and become more sophisticated, the line separating insurance vehicles from investment vehicles has grown blurry. To differentiate between the two, a mix of complex rules and exceptions now governs the taxation of insurance products.…

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Saving for College

October 9, 2015

There’s no denying the benefits of a college education: the ability to compete in today’s competitive job market, increased earning power, and expanded horizons. But these advantages come at a price–college is expensive. And yet, year after year, thousands of students graduate from college. So, how do they do it? Many families finance a college…

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Buying a Car

September 18, 2015
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Maybe you’ve always pictured yourself driving a shiny red convertible. Or perhaps you’ve had a recent addition to the family and you’re looking for the practicality of a minivan. Whatever the reason, you’re in the market for a new car. Here are some tips to help make the car-buying process a bit easier. Choosing a…

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Health Insurance in Retirement

September 16, 2015
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At any age, health care is a priority. When you retire, however, you will probably focus more on health care than ever before. Staying healthy is your goal, and this can mean more visits to the doctor for preventive tests and routine checkups. There’s also a chance that your health will decline as you grow…

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Social Security Survivor's Benefits and the Lump-Sum Death Benefit

September 11, 2015
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What is it? When planning your estate, consider how much your survivors might receive from Social Security. Social Security survivor’s benefits can provide much-needed income to your family and ensure that their financial life after your death is easier. Who will be eligible to receive survivor’s benefits after your death? Knowing your insured status is…

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Teaching Your College-Age Child about Money

August 28, 2015
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When your child first started school, you doled out the change for milk and a snack on a daily basis. But now that your kindergartner has grown up, it’s time for you to make sure that your child has enough financial knowledge to manage money at college. Lesson 1: Budgeting 101 Perhaps your child already…

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Changing Jobs? Take Your 401(k) and Roll It

August 26, 2015
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If you’ve lost your job, or are changing jobs, you may be wondering what to do with your 401(k) plan account. It’s important to understand your options. What will I be entitled to? If you leave your job (voluntarily or involuntarily), you’ll be entitled to a distribution of your vested balance. Your vested balance always…

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Teaching Your Child About Money

August 24, 2015
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Ask your five-year old where money comes from, and the answer you’ll probably get is “From a machine!” Even though children don’t always understand where money really comes from, they realize at a young age that they can use it to buy the things they want. So as soon as your child becomes interested in…

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Insuring a New Home During Construction

August 18, 2015
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While the house of your dreams is being built, you should insure the structure and its contents. If you don’t, you’ll be exposed to unnecessary risks like fire or adverse weather that could damage or destroy your partially completed home. You should also protect yourself from liability by verifying that the people building your home…

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Financial Planning: Helping You See the Big Picture

June 29, 2015
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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 target your goals by…

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