Download Our Useful Guides
The End of Year Guide
Here come the holidays and everything that goes with them – traveling, cooking, buying gifts, and of course, spending time with the people we love. Your holidays might look a bit different this year and so might your financial situation. Even though it’s a busy time of year when finances can end up taking a back seat to decorating and wrapping presents, it’s important to take the time to make an end of year financial checklist.
The Ultimate 401(k) Guide
We all know that a 401(k) is one of the most important retirement planning tools we have. You pay into it for decades and will likely need to rely on it, among other income sources, for decades in retirement. The potential tax benefits and power of compound interest can make it a great saving and investment tool for anyone who practices financial discipline and contributes regularly.
Pensions, Buyouts, & Retirement Income
Here’s proof that funding retirement has changed: In 1970, 45% of private sector employees were covered by a pension plan. Now, 4% are covered. If workers do receive their pension, they may have to decide between receiving larger payments over their lifetime, or receiving smaller payments over their and their spouse’s lifetimes.
Preparing for a Satisfying Retirement
Many Americans may not understand how to fully take advantage of their employer-sponsored retirement plans. We’ve created this special report to help you make the most of your savings and investment opportunities and help improve your prospects for a comfortable retirement.
Common Tax Errors to Avoid
Navigating the U.S. tax system can be challenging. Knowing how you need to file depends on your income and filing status as well as which tax breaks you can claim. Your taxes are your responsibility, even if someone assists you in filing them.
The SECURE Act
The SECURE Act was passed at the end of 2019, with most provisions going into effect on January 1, 2020. It can be confusing to wade through the legislation and extract the implications of these changes. Read what to expect from this new legislation in this guide.
Market Volatility in the New Age
Planning for retirement is never a “set it and forget it” activity: There are unexpected disasters, market drops, and changing laws that invariably cause retirees to reevaluate their plans of action. There’s no way to predict everything that will cause market downturns, but you can prepare yourself by having a solid financial plan in place.
5 Ways To Stay Confident in Retirement
Today’s retirees are living longer than ever before and experiencing retirement in new ways. While you can’t be certain what the future holds, you can strategize for the retirement life you want-and take the five steps in this guide to help you get there with confidence.
Women’s Retirement Planning Guide
“They say “men are from Mars and women are from Venus” and their differences carry over into financial planning. In a world where women oftentimes share, or own, the responsibilities of household finances, and often are the major “bread-winner”, it makes sense that they are adequately addressed. There are a disproportionate number of men in the financial space today, so it’s important to take a moment to address some financial needs unique to women.”
Legacy & Estate Planning – Understand The Basics
Estate planning is a function of preparing for the inevitabilities of life. People get sick or hurt and you need a plan in place to determine what kind of medical care you’ll receive if this happens to you. People become incapacitated, unable to make important decisions on their own, or unable to live independently. And of course, people die. Estate planning helps to protect your family and your assets in any of these unfortunate situations.
Legacy Planning & Wealth Transfer – How to Successfully Communicate
“Communication is key” is an old phrase, but when it comes to your wealth transfer and legacy planning process, it couldn’t be more accurate. The conversations you have with your family before, during, and after this process can go a long way toward avoiding aggravation, the expense of settling matters in court, and potential infighting.
9 Investment Pitfalls
Experience has taught us that successful investing requires discipline and patience. A long-term investment focus can help when emotions run high. To help you overcome these challenges, we’ve compiled a list of common mistakes and guidelines.
2020 Social Security Guide: Big Changes Are Coming
About 64 million Americans collected Social Security benefits in 2019, making it the largest single item in the annual federal government’s budget. Although you will most likely not be able to maintain your current lifestyle on a SS benefit alone, it can make up a significant portion of your income and is guaranteed for as long as you live. Despite its importance, only 4% of retirees claim SS benefits at the optimal time. That’s why it’s important to know the rules of SS and how to use them to your advantage.
2020 Tax Planning Whitepaper
The countdown begins. Once the clock rolls us into 2020, tax season gets underway. Deductions from your paychecks and other income sources will begin counting for the New Year. In this guide, we’ll explore ways you could be affected by the 2019 changes to the tax law.
Why 59 ½ is an Important Age
More than two-thirds of people this age say they expect to run out of money sometime during their retirement, even those closest to retirement. Explore your retirement options and your health-care concerns.