Newsletters
Most Americans spend more time planning for vacations and holidays than planning for their retirement.1
Will you outlive your retirement income? How much liability insurance should you have? Should you add stocks to your portfolio? 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.
Before implementing any strategy discussed herein, you should consult with your own financial, tax, and/or legal advisors to determine its applicability in light of your own situation.
Most insurance policies and annuity contracts contain exclusions, limitations, reductions of benefits, surrender charges and terms for keeping them in force. Your representative can provide you with costs and complete details.
The information contained in this article is not intended to (and cannot) be used by anyone to avoid IRS penalties. These articles supports the promotion and marketing of this [life insurance, annuity, long term care, disability, pension, etc. You should seek advice based on your particular circumstances from an independent tax advisor.
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November
Home Equanimity
The contraction of the housing market has caused many people to take a second look at the way they view their homes.
The Measure of a Life
One way to help mitigate the financial blow of the loss of a head of household is through life insurance.
Confident in Consumer Confidence?
The consumer confidence index can be a useful tool, but it should play only a minor role in an investor’s overall outlook.
Playing Catch-Up with Contributions
Something as simple as increasing your contributions to tax-advantaged retirement programs can go a long way toward helping you pursue your long-term financial goals.
Measuring the Jobs Situation
Many people understand that a rising jobless rate is one of the hallmarks of a shrinking economy. But the national unemployment rate does not always reveal a complete picture of the jobs outlook.
Quick Facts - November 2009
Information about Retirement, Long Term Care and the Mature Markets
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October
Making Moves to the Money Market
Money market funds are mutual funds that invest solely in cash-equivalent assets that are categorized as low-risk, low-return investments.
Retirement Countdown in a Down Market
The process leading up to retirement should begin years beforehand to help protect portfolio assets in the event that the markets are affected by unfavorable economic conditions.
Fixed Annuities May Offer Stability
A source of guaranteed income may help remove some of the uncertainty associated with retiring when the financial markets are fluctuating.
Get Ready for Earnings Season
Earnings can provide a key to understanding the performance of an individual company and the behavior of the stock market in general.
Quick Facts - October 2009
Information about Retirement, Long Term Care and the Mature Markets
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September
A New Way to Diversify
Exchange-traded funds are unique investments that resemble mutual funds in some ways and behave like stock in other ways.
One Final Letter
A letter of instructions can help someone clearly state his or her preferences for many important issues such as organ donation, funeral arrangements, and other details not enumerated in a trust.
Insurance for Your Whole Life
If your situation calls for life insurance coverage that extends beyond your working years, it might be time to consider whether permanent life insurance would be appropriate.
Variable Annuities Add Guarantees
Investors who would rather not choose between a guaranteed income and above-average investment gains may want to consider variable annuities with living benefit guarantees.
A Long Look at the National Debt
To better comprehend the size and scope of the national debt, it helps to measure it against the size of the overall economy.
Quick Facts - September 2009
Information about Retirement, Long Term Care and the Mature Markets
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August
Municipal Haste
Municipal bonds offer an opportunity to earn an income that may be free of federal income tax.
The Long Road Ahead
The stock market has had its share of roller-coaster thrills lately, but don’t be tempted to react emotionally.
Note to Self: Check Beneficiary Designations
Outdated beneficiary forms have the potential to cause needless grief and hardship for surviving loved ones who are your intended heirs.
Looking for an End to the IPO Drought
Even if you never expect to participate in an IPO, it’s wise to keep an eye on the pace of new listings.
Quick Facts - August 2009
Information about Retirement, Long Term Care and the Mature Markets
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July
Get Your Retirement Reality Check
A retirement needs-calculation goes beyond the commonly suggested target to have 70% of pre-retirement income.
Higher Education Pays, But So Will You
It’s likely that admission to the nation’s top colleges and universities will remain competitive, but adequate college savings can help ensure that a student’s opportunity to attend his or her school of choice is not compromised by the lack of resources.
It's Not Too Late to Consider Life Insurance
Results from one survey suggest that confidence in financial security tends to increase as life insurance coverage increases.
Good Care Begins Early
Ironically, people who avoid important discussions because they don’t want to be a burden are sowing seeds for even greater troubles because they are forestalling preparation and ignoring the risks associated with aging, possibly until it’s too late.
Stalking the Mighty Consumer
Economists, traders, investors, and policymakers all take great interest in the financial health of consumers and what they may do next.
Quick Facts - July 2009
Information about Retirement, Long Term Care and the Mature Markets
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June
Estate of Emergency?
To help ensure that an estate is distributed according to one's wishes, it’s important to have certain legal documents in place.
It's Time to Get Real
During times of market volatility, it can be easy for investors to lose sight of two seemingly immovable obstacles standing in the way of their long-term investment goals: taxes and inflation.
Inflation Goes to College
Over the past 10 years, tuition and fees have grown more than 4% faster than the rate of general inflation at public four-year colleges and more than 2% faster than inflation at private four-year colleges.
Testing Your Liability Limits
This quiz tests the reader’s understanding of personal liability.
The Positives of Negative Correlation
Few asset groups are perfectly negatively correlated, but a portfolio may still be able to benefit from the correlation principle.
Quick Facts - June 2009
Information about Retirement, Long Term Care and the Mature Markets
PEANUTS© United Feature Syndicate, Inc.
