Newsletters
Fourty-seven percent of American workers have saved less than $25,000 for retirement, and 24% have saved less than $1,000.1
Source: Employee Benefit Research Institute, 2017
Will you outlive your retirement income? Are your financial expectations for the coming year realistic?
Our financial newsletters are designed to provide helpful information on a wide variety of financial topics. Simply click on one of the newsletter topics below to read the article in its entirety.
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June
HOT TOPIC — Wage Growth: Watching for a Tipping Point
The factors that may be restraining workers’ wages and the economic implications of continued weakness or a sudden surge.Rules of the Rollover
Rolling funds from an employer's plan to an IRA enables you to maintain control regardless of your employment situation.Chained CPI and Your Taxes
One change made by 2017 tax legislation, a new way of measuring inflation, may have a significant effect on individual taxpayers over the long term.Beyond Medicare: What Are Your Options?
A Medigap policy or a Medicare Advantage Plan could help provide more stability for health-care spending during retirement.New Tax Breaks for Pass-Through Entities
The new tax law includes several provisions that could benefit business owners, such as the pass-through deduction and write-offs for capital investments. -
May
Where There's a Will…
A 2017 survey found that only 42% of U.S. adults had a will or living trust. Here are three basic reasons why everyone should have a will.The Cost of Caregiving
About 40 million family caregivers in the U.S. provide unpaid care to another adult. Understand the associated financial, physical, and emotional costs.A Steady Strategy
Dollar-cost averaging can be an effective way to accumulate shares without focusing on market movements.Time to Hire? Consider the Pros and Costs
Some indicators that it might be time to hire additional employees, and how to weigh the potential benefits in light of the costs.
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April
HOT TOPIC — Trade Tactics: New Metal Tariffs Reflect Policy Shift
An overview of recent changes in U.S. trade policies, and how they might affect international relations and the U.S. and global economies.Pick Your Plastic: Debit or Credit?
Some pros and cons for the use of credit cards versus debit cards for purchases.Income for the Long Run
A longevity annuity can bring some stability to a retirement strategy by providing a steady income late in life.Monetary Policy Update
How the Federal Reserve's monetary policies influence interest rates, economic growth, and inflation.Guard Against Growing Cybersecurity Threats
A discussion of some specific cybersecurity threats and tips to help small businesses protect their interests from hackers. -
March
HOT TOPIC — Correction Time: The Market Takes a Hit
A look at some of the factors behind the recent market volatility and why investors should focus on long-term goals.Four Financial Numbers You Should Know
Four financial numbers that you should understand (and that could potentially improve your financial situation).Phasing Out…or Practice Makes Perfect
Here are some ideas for arranging a phased retirement program, as well as tips for trying a practice run.Preparing to Withstand the Loss of Key Players
How key-person insurance policies can benefit small businesses.
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February
HOT TOPIC — Business Tax Breaks: Impact on Earnings and the Economy
An overview of the tax changes affecting corporations and pass-through businesses and the potential implications for GDP growth.Options for Inherited IRAs
Here is an overview of IRA distribution rules and options for surviving spouses and nonspouse beneficiaries.How Long Should You Keep Financial Records?
The beginning of the year is a great time to organize records and discard old documents to make room for new ones.Why Hold Money Market Mutual Funds?
Why investors still hold money market mutual funds despite low returns.Settling an Estate
Settling an estate can be a difficult and time-consuming job as there are some specific duties that often fall on an executor. -
December
Consider a Roth for Tax-Free Retirement Income
Roth IRA withdrawal and conversion rules and how they differ from other retirement plans.Market Measures: Beyond the Dow
A description of the 5 market indexes that are often used as benchmarks to track various categories of investments.How a Pension Could Affect Social Security Benefits
The potential impact on Social Security benefits by the Windfall Elimination Provision and the Government Pension Offset.Better Late Than Never
Understand the rules and deadlines for the estates of recently deceased taxpayers when seeking portability relief.Two Tax-Friendly Retirement Plans for the Self-Employed
Solo 401(k)s and SEP IRAs are relatively simple for small-business owners and self-employed individuals to set up.
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November
PPO or HDHP? Making Health Insurance Choices
The similarities and differences between an HDHP and a PPO plan and contribution limits for health savings accounts.FAFSA in the Fall for Lower Stress
New rules enable families to begin the FAFSA earlier using tax returns from two years prior to the academic year.Medicare Open Enrollment
The changes Original Medicare and Medicare Advantage plan beneficiaries can make during the annual enrollment periods.Required Minimum Distribution Rules
When calculating RMDs for multiple accounts, it's important to understand which amounts can be combined and which accounts must distribute separate RMDs.Stacking Up Tax Breaks for Business Investments
Tax code provisions may allow for larger, immediate deductions for businesses: bonus depreciation and IRC Section 179 expensing. -
October
Birthday Opportunities
Test your knowledge of the financial benefits and responsibilities related to certain age milestones between 50 and 70½.The State of State Pensions
A look at some of the challenges facing state pension funds and steps that might help improve the long-term outlook.
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September
HOT TOPIC — Brick-and-Mortar: The Precarious Fate of Traditional Retail
How current trends in the retail industry could affect consumers, workers, and the broader economy.New Math for Social Security
In 2017, Americans born in 1955 become eligible to claim Social Security benefits at the earliest claiming age of 62.Estate Planning: Life Insurance Options for Leaving a Legacy
A whole life or survivorship life insurance policy can play an important role in a family’s estate plan.Keeping Up with Quarterly Taxes
Making accurate quarterly payments on schedule can help taxpayers avoid interest penalties for underpayment to the IRS. -
August
Do You Have Enough Life Insurance?
The differences between term life insurance and permanent life insurance and the advantages of an individual policy.Deficit Trading: The Import/Export Imbalance
Some facts to help understand the issues behind the trade deficit headlines, and how China factors into the story.Demographic Dilemma
Some economists believe shifting demographics may be the primary reason GDP growth has been weak versus past recoveries.Social Media Marketing Strategies
Social media is a convenient way for a small business to build customer relationships and gain market exposure.
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