Educational

Insurance Needs when Married with Children
August 23, 2019

A growing family, by definition, means growing financial obligations – both in the present and in the future. Raising children can increase your insurance needs and heightens the urgency for being properly prepared. Auto. When a child becomes a new driver, one option is to add the teenager to the parents’ policy. You may want …

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A Bucket Plan to Go with  Your Bucket List
August 13, 2019

The baby boomers redefined everything they touched, from music to marriage to parenting and even what “old” means – 60 is the new 50! Longer, healthier living, however, can put greater stress on the sustainability of retirement assets. There is no easy answer to this challenge, but let’s begin by discussing one idea – a …

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Understanding Long-Term Care
August 7, 2019

Addressing the potential threat of long-term care expenses may be one of the biggest financial challenges for individuals who are developing a retirement strategy. The U.S. Department of Health and Human Services estimates that 69% of people over age 65 can expect to need extended care services at some point in their lives. So, understanding …

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Should You Choose a Fixed or Variable?
July 25, 2019

Buying a home is the single largest financial commitment most people ever make. And sorting through mortgages involves a lot of critical choices. One of these is choosing between a fixed- or variable-interest-rate mortgage. True to its name, fixed-rate mortgage interest is fixed throughout the life of the loan. In contrast, the interest rate on …

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8 Mistakes That Can Upend Your Retirement
July 12, 2019

Pursuing your retirement dreams is challenging enough without making some common, and very avoidable, mistakes. Here are eight big mistakes to steer clear of, if possible. No Strategy. Yes, the biggest mistake is having no strategy at all. Without a strategy, you may have no goals, leaving you no way of knowing how you’ll get …

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Protection Against Uninsured Drivers
July 12, 2019

About 13 percent of all motorists, or one-in-eight drivers, do not have automobile insurance.[1] Having the misfortune of getting into an accident with an uninsured motorist may have serious financial consequences depending upon the state in which you reside and whether it is a “no-fault” or “tort” state. In no-fault states, the law does not …

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Insurance When You’re Newly Married
May 29, 2019

Marriage changes everything, including insurance needs. Newly married couples should consider a comprehensive review of their current, individual insurance coverage to determine if any changes are in order as well as consider new insurance coverage appropriate to their new life stage. Auto. The good news is that married drivers may be eligible for lower rates …

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Red Flags for Tax Auditors
May 22, 2019

No one wants to see an Internal Revenue Service (IRS) auditor show up at their door. But in 2018, the IRS budget is roughly $1 billion less than it was 8 years ago, down from $12.1 billion in 2010 to $11.2 billion. And even though the number of audits has dropped 40 percent from 2010 …

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Investment Challenges of the Affluent Investor
May 14, 2019

High net worth investors face investment challenges that some would consider unique to their financial status. The fundamental tenets of investing apply just as equally to them as any other investor, but these investors need to be mindful of issues that typically arise only from substantial wealth. Let’s examine a few of these. Being Too …

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Three Key Questions to Answer Before Taking Social Security
May 1, 2019

Social Security may be a critical component of your financial strategy in retirement, so before you begin taking it, you should consider three important questions. The answers may affect whether you make the most of this retirement income source. When to Start? The Social Security Administration gives people a choice on when they decide to …

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