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Estimating your retirement income needs – Part 2

Decide when you'll retire To determine your total retirement needs, you can't just estimate how much annual income you need. You also have to estimate how long you'll be retired. Why? The longer your...

 

Estimating your retirement income needs – Part 1

You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you'll need to fund your retirement. That's not as easy...

 

The tax benefits of your retirement savings plan – Part 2

Tax deferred is not the same as tax free. "Tax free" means that no income taxes are due at all. Some employer-sponsored savings plans, like Roth 401(k)s, Roth 403(b)s, and Roth 457s, can generate...

 

The tax benefits of your retirement savings plan –Part 1

Taxes can take a big bite out of your total investment returns, so it's encouraging to know that your employer-sponsored retirement savings plan may offer a variety of tax benefits. Depending on the...

 

A woman's guide to health care in retirement – Part 2

Buying long-term care (LTC) insurance is an option. While premiums may be costly, having LTC insurance may allow you to elect where you receive your care, the type of care you receive, and who...

 

A woman's guide to health care in retirement – Part 1

At any age, health care is a priority. But when you retire, you should probably focus more on health care than ever before. That's why it's particularly important for women to factor in the cost of he...

 

Have you checked your retirement plan lately? – Part 2

Regaining your balance On the other hand, maybe you've concluded through your review that your original asset allocation is still appropriate for your needs, but your portfolio has strayed off track...

 

Have you checked your retirement plan lately? – Part 1

It's generally a good idea to review your employer-sponsored retirement savings plan at least once each year and when major life changes occur. If you haven't given your plan a thorough review within...

 

Staying on track with your retirement investments – Part 2

Take advantage of dollar cost averaging One of the benefits of participating in your workplace savings plan is that you're automatically using an investment strategy called dollar cost averaging....

 

Staying on track with your retirement investments – Part 1

Investing for your retirement isn't about getting rich quick. More often, it's about having a game plan that you can live with over a long time. You wouldn't expect to be able to play the piano...

 

Health insurance in retirement

At any age, health care is a priority. When you retire, however, you will probably focus more on health care than ever before. Staying healthy is your goal, and this can mean more visits to the...

 

Types of long-term care

What is long-term care? In general, long-term care refers to a broad range of medical and personal services designed to assist individuals who have lost their ability to function independently. The...

 

The Equifax data breach

On September 7, 2017, Equifax, one of the three main credit reporting agencies, announced a massive data security breach that exposed vital personal identification data- including names, addresses,...

 

Tax tips: long-term care insurance

Your chances of requiring some sort of long-term care increase as you age, and long-term care insurance (LTCI) can help you cover your long-term care expenses. Although tax issues are probably not...

 

Should you buy long-term care insurance?

The longer you live, the greater the chances you'll need some form of long-term care. If you're concerned about protecting your assets and maintaining your financial independence in your later years,...

 

Long-term care insurance: How does it work?

Whether you've had a long-term care insurance (LTCI) policy for years or you're thinking of buying one, it's critical to understand exactly what set of conditions will trigger coverage. This...

 

Five things to watch out for when buying long-term care insurance

You've researched long-term care insurance (LTCI) and are seriously thinking of buying a policy. Just make sure you're doing it for the right reasons--don't be swayed by unsubstantiated sales...

 

Comparing long-term care insurance policies – Part 2

How do the policies you’re considering stack up against each other? Which benefits and features mean the most to you? How much can you customize each policy to your needs? These are very important...

 

Comparing long-term care insurance policies – Part 1

Because long-term care insurance (LTCI) is a relatively new product, policies are not standardized. This can make it especially difficult to compare policies when you’re shopping for this type of...

 

Understanding risk – Part 3

Understanding your own tolerance for risk The concept of risk tolerance is twofold. First, it refers to your personal desire to assume risk and your comfort level with doing so. This assumes that risk...

 

Understanding risk – Part 2

Other types of risk Here are a few of the many different types of risk: • Market risk: This refers to the possibility that an investment will lose value because of a general decline in financial...

 

Understanding risk – Part 1

Few terms in personal finance are as important, or used as frequently, as “risk.” Nevertheless, few terms are as imprecisely defined. Generally, when financial advisors or the media talk about...

 

Measuring risk – Part 3

Beta A better method of measuring risk is referred to as beta. Beta measures an individual investment’s volatility in relation to the stock market in general, as measured by the Standard & Poor’s...

 

Measuring risk – Part 2

Determine your investment time horizon The period of time for which you plan to stay invested in a particular vehicle is referred to as your investment planning time horizon. Generally speaking, the...

 

Measuring risk – Part 1

What is risk? In the investment world, risk means uncertainty. It refers to the possibility that you will lose your investment or that an investment will yield less than its anticipated return....

 

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