Is Term Life Insurance for You?
Is Term Life Insurance for You? Term insurance is the simplest form of life insurance. It provides temporary life insurance protection on a limited budget. Here’s how it works: When a policyholder buys term insurance, they buy coverage for a specific period of time...
A Look at Whole Life Insurance
A Look at Whole Life Insurance In exchange for fixed premiums, an insurance company promises to pay a set benefit when the policyholder dies, but also offers additional benefits as well. Whole life insurance policies can build up cash value — effectively a cash...
When Heirs are Imperfect
When Heirs are Imperfect Passing your estate to an heir with credit problems or a gambling or alcohol addiction might not only lead to that wealth being squandered, but the inheritance could worsen the destructive behaviors. Of course, you don’t want to disinherit...
What Can You Buy With 529 Distributions?
What Can You Buy With 529 Distributions? Some of the biggest challenges many face when it comes to education are financial. Luckily, a 529 college saving plan can help. And they're not just for college anymore - added to the tuition eligibility are K-12, private and...
The Importance of Financial Planning for the Next Generation: Preparing for Your Kids and Grandkids
The Importance of Financial Planning for the Next Generation: Preparing for Your Kids and Grandkids As parents and grandparents, one of the greatest gifts you can give your children and grandchildren is a solid financial foundation. In a world where economic...
Explaining the Recent Market Volatility
Explaining the Recent Market Volatility A few weeks ago, the parents of a colleague of mine hit a deer. The parents had long expected this might happen. The area they live in is dotted with deer crossing signs, so they knew the possibility was always present. They...
Choices for Your 401(k) at a Former Employer
Choices for Your 401(k) at a Former Employer One of the common threads of a mobile workforce is that many individuals who leave their job are faced with a decision about what to do with their 401(k) account.¹ Individuals have four choices with the 401(k) account they...
Are You Ready for Your Portfolio to Make a Difference?
Are You Ready for Your Portfolio to Make a Difference? Interest in making an impact with one’s investments has grown in recent years, which means many investors may have an increased interest in environmentally or socially focused investments as well. In fact, impact...
Diversification, Patience, and Consistency
Diversification, Patience, and Consistency Regardless of how the markets may perform, consider making the following part of your investment philosophy: Diversification. The saying “don’t put all your eggs in one basket” has some application to investing. Over time,...
Your Shifting Risk Tolerance
Your Shifting Risk Tolerance When you created your investment strategy, your asset allocation should have reflected your goals, time horizon, and tolerance for risk. But over time, any of those three factors may have changed, and your portfolio may now need...
Is Term Life Insurance for You?
Is Term Life Insurance for You? Term insurance is the simplest form of life insurance. It provides temporary life insurance protection on a limited budget. Here’s how it works: When a policyholder buys term insurance, they buy coverage for a specific period of time...
A Look at Whole Life Insurance
A Look at Whole Life Insurance In exchange for fixed premiums, an insurance company promises to pay a set benefit when the policyholder dies, but also offers additional benefits as well. Whole life insurance policies can build up cash value — effectively a cash...
When Heirs are Imperfect
When Heirs are Imperfect Passing your estate to an heir with credit problems or a gambling or alcohol addiction might not only lead to that wealth being squandered, but the inheritance could worsen the destructive behaviors. Of course, you don’t want to disinherit...
What Can You Buy With 529 Distributions?
What Can You Buy With 529 Distributions? Some of the biggest challenges many face when it comes to education are financial. Luckily, a 529 college saving plan can help. And they're not just for college anymore - added to the tuition eligibility are K-12, private and...
The Importance of Financial Planning for the Next Generation: Preparing for Your Kids and Grandkids
The Importance of Financial Planning for the Next Generation: Preparing for Your Kids and Grandkids As parents and grandparents, one of the greatest gifts you can give your children and grandchildren is a solid financial foundation. In a world where economic...
Explaining the Recent Market Volatility
Explaining the Recent Market Volatility A few weeks ago, the parents of a colleague of mine hit a deer. The parents had long expected this might happen. The area they live in is dotted with deer crossing signs, so they knew the possibility was always present. They...
Choices for Your 401(k) at a Former Employer
Choices for Your 401(k) at a Former Employer One of the common threads of a mobile workforce is that many individuals who leave their job are faced with a decision about what to do with their 401(k) account.¹ Individuals have four choices with the 401(k) account they...
Are You Ready for Your Portfolio to Make a Difference?
Are You Ready for Your Portfolio to Make a Difference? Interest in making an impact with one’s investments has grown in recent years, which means many investors may have an increased interest in environmentally or socially focused investments as well. In fact, impact...
Diversification, Patience, and Consistency
Diversification, Patience, and Consistency Regardless of how the markets may perform, consider making the following part of your investment philosophy: Diversification. The saying “don’t put all your eggs in one basket” has some application to investing. Over time,...
Your Shifting Risk Tolerance
Your Shifting Risk Tolerance When you created your investment strategy, your asset allocation should have reflected your goals, time horizon, and tolerance for risk. But over time, any of those three factors may have changed, and your portfolio may now need...
