Newsletters

October

• HOT TOPIC: Could a Health Savings Account Help Strengthen Your Retirement Plan?

  In addition to setting aside pre-tax income to pay current and future medical expenses, an HSA could play an important role in your long-term retirement strategy.

• Protection to Help Your Family

  Explore the benefits of individual life insurance versus work-based coverage, and compare term and permanent policies.

• Five Money Issues to Talk About Before the Wedding

  Before saying “I do,” newly-engaged couples may want to discuss these five key financial topics.

• Index Update: Shifting Sectors Reflect Social Change

  How do recent classification changes reflect shifts in the telecommunications sector, and what does that mean to investors?

• Coping with a Labor Shortage

  As small businesses struggle to recruit and retain employees in a tight job market, these tips may help owners meet staffing needs.

August

• Caught in the Middle: The Sandwich Generation

  Tips to help balance the competing demands of saving for retirement and providing financial support to adult children and aging parents.

• Life Insurance with Long-Term Care Benefits

  Concerned about the costs of long-term care? Discover two strategies that combine life insurance coverage with LTC benefits.

June

• A Steady Strategy in Turbulent Times

  Dollar-cost averaging can help investors focus on building their portfolios through regular investing rather than reacting to market swings.

• College Savings: Roth or 529 Plan?

  Can a Roth IRA double as a college savings tool? Find out how a Roth IRA compares with state-based 529 college savings plans.

• Avoiding Probate with a Transfer-on-Death Deed

  Many U.S. states offer a way to avoid probate when leaving the family home to your heirs. Learn more about transfer-on-death deeds.

May

• Bonds Can Offer Stability Even with Rising Rates

  Explore three major categories of bonds, plus ideas for navigating the bond market amid climbing interest rates.

• Retirement Planning: How Secure Is Social Security?

  View Social Security’s financial outlook, plus seven proposed fixes for a looming shortfall that may affect future benefits.

April

• HOT TOPIC: The Fed Hits the Brakes: No Rate Hikes Projected in 2019

  The Fed signaled a pause in raising interest rates. How markets reacted and what the change says about the direction of the U.S. economy.

• Do You Need a Power of Attorney?

  Explore three types of powers of attorney and find out how a living will can supplement a durable POA for health care.

March

• Taking a Team Approach to Retirement Savings

  Even if you and your spouse have separate retirement accounts, you may still be able to craft a unified savings and investment strategy.

• Bridging the Gap Between Retirement and Medicare Eligibility

  See three options that may help you bridge the health insurance coverage gap between retirement and Medicare eligibility.

February

• Need to Tap Your 401(k)? Proceed with Care

  Explore an overview of rules and tax consequences for 401(k) plan hardship distributions and other early withdrawals.

• Looking Back, Looking Ahead

  See the indicators economists rely on to understand the past, present, and potential future direction of the economy.

• Getting Real About Retirement

  This article features a worksheet and relevant information to help estimate retirement expenses and income.

January

• Are Your Designated Heirs Up-to-Date?

  The New Year might be a good time to review and update beneficiaries on estate documents, insurance policies, and financial accounts.

December

• Competing Goals: Pay Off Student Loans or Save for Retirement?

  Some college grads pay off student loans at the expense of saving for the future. See steps that may help them do both.

• Low-Volatility Strategies for a Less Stressful Ride

  Some stocks and stock funds may help reduce the volatility in a portfolio.

November

• Is a Roth 401(k) Right for You?

  An overview of the potential benefits, limitations, and rules of Roth 401(k) accounts.

• Community Property Laws: Yours, Mine, and Ours

  Community property laws that apply in nine states and “equitable distribution” laws that apply in other states.

• Help with College: A Gift for Your Grandkids

  Helping a grandchild obtain a college degree could be life-changing for the student. Still, it’s important to consider how a gift could affect student aid and taxes.