Life Insurance Life insurance is a key part of any financial plan. What would happen to your family if you were no longer there to take care of them? What dreams do you have for them? What dreams do they have for themselves? Are those dreams possible without you in the picture? Life insurance is unlike any other financial product. What other assets can you to transfer to your loved
Fixed Annuities Retirement Dreams: Something to Think About… When you think retirement, do you think fixed investment? If so, then your retirement savings might be gradually eaten away by taxes and inflation. Though they offer safety and liquidity, some investments do not offer tax deferral or penalty free access to money. The Power of Tax Deferral If you are in a 28% tax bracket and have a taxable investment earning
IRA Retirement For Individuals Which retirement savings options are right for you? The answer depends on your individual circumstances and number of years until retirement. It also depends on other factors such as availability and type of investment choices, fees, tax considerations, and accessibility of your funds. For many investors, an IRA may be a great answer. An IRA can be an excellent way to save for and generate income
Charitable Planning Did you know that there is more money given to charities in the United States than in any other country in the world? In 2003, more than $2,046,921,512,436 was given to non-profit agencies, which does not include money given to organizations not registered. Have you ever thought about charitable giving as part of your family's planning? One common misperception is that people don't feel that they have enough
Short Term Disability Short term disability can be a very important employee benefit. Since the majority of disability claims last less than six months, a short term disability plan can be extremely beneficial. STD plans are usually set up to include elimination periods for both accident and sickness. For example, a plan might have a 0/8 elimination period which means 0 day elimination for accidents and 8 days for sickness
Valentine's Day is a celebration of love, and what better way to honor your relationship than by planning a future together? Financial planning might not sound romantic at first, but it can be a powerful way to strengthen your bond and ensure a prosperous future. Here's how you can fall in love with financial planning this Valentine's Day.
Save on taxes and donate more to your favorite charities by using a donor-advised fund, or DAF. Here’s how to maximize your giving with this strategic approach.
As the holidays approach, so does a major increase in spending. Americans spend an average of $461 billion on retail purchases during December, at least $73 billion more than in any other month (Census Bureau, 2024).