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Retirement Planning During Changing Times

Retirement Planning During Changing Times

According to the United Nations, across the globe, people older than 65 now outnumber children under five for the first time in history. In 1960, the average woman gave birth to five children in her lifetime; by 2017, that ratio had dropped to 2.4 children per woman. Meanwhile, our life expectancy has increased around the…

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The Importance of Women Achieving Financial Confidence

Women Achieving Financial Confidence

Married or single, women are finding that taking an active role in their financial futures is critical. About 80% of married women outlive their husbands, and nearly half of all widows say they wish they’d been more involved in managing their finances when their spouse was alive. Whether you have a career or rely on…

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Tax Updates and Reminders

Tax Updates and Reminders

As we head toward the end of the year, consider maxing out your contributions on tax-advantaged accounts to help manage your 2019 return. While some accounts, such as an IRA or Health Savings Account (HSA), allow you to continue making contributions up until April 15, 2020, most payroll-deduction plans such as a 401(k) will stop…

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Year-End Tax Considerations

year end tax

Now that we’re in the fourth quarter, it’s time to think about what you can do to help minimize your liabilities for the 2019 tax season and position finances for next year. The following is a sample of the usual methods. However, if you’d like us to take a more personalized, comprehensive approach, we’d be…

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Small-Business Growth Has Economic Benefits

A promising way to jumpstart the U.S. economy is by helping more entrepreneurs establish their own businesses. The 30.2 million U.S. small businesses represent 99.9 percent of all businesses in this country. They employ nearly half (47.5 percent) of America’s total workforce. If you need further proof that small businesses can provide an economic boost,…

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The Economic Implications of Working Past Retirement Age

Many people are working past traditional retirement age to accumulate more money for a potentially longer retirement than in previous generations. In 2018, almost 20 percent of Americans age 65 and older were employed or actively looking for work. While there may be positive benefits for older workers, the research is mixed on how this…

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What to Do With Your 401(k)?

Whether you change jobs or retire, a 401(k) plan is a terrible thing to waste. In fact, what you do with a 401(k) should be part of a larger plan for your financial future. As a general rule, you have four options. Option One: Leave Your Money in the 401(k) Many employer plans allow former…

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Social Security: Facts and Tidbits

The Social Security Administration issues about 5.5 million new cards each year. Social Security numbers go out of use when their owners pass away and are never reused. Also, the first three digits of the Social Security number reflect the application location for your first card. Here’s another interesting tidbit: You can apply to have…

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Why Retirement Portfolio Design Should Be Flexible

There is one predominant reason why retirement portfolio design must be approached differently today than in previous years: There is an infant alive in this world, right now, who is expected to reach age 200. That’s the prediction from demographers researching life expectancy trends, according to Olivia Mitchell, a business economics and public policy professor…

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Where is Dad’s Money?

Imagine if, sadly, Dad dies or becomes incapacitated. You’re in charge of handling all his financial affairs, from managing his investments to putting income sources in place for Mom. There’s just one problem: He was an old-school guy who never consolidated his assets or set up online accounts. Also, it appears he worked with different…

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