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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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May
Where Will You Roll?
An IRA is not really an investment in itself, but rather a special type of account that can be invested in thousands of ways.
In a Category All Its Own
Since exchange-traded funds (ETFs) were first introduced in 1993, interest in them has grown steadily.
New Lease on Life
Can your risk-protection strategy benefit from a whole-life insurance policy?
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April
Conserve Your Estate
Are your estate strategies up-to-date and ready for whatever legislative changes lie ahead?
More Reasons to Convert
Thanks to tax law changes, converting traditional IRA assets to a Roth IRA, or rolling over employer-sponsored retirement plans to a Roth, has become more attractive.
The Cost of Care
When preparing for life in retirement, you should consider the possibility that you may need long-term care at some point.
Fuel for the Economy
The world has become so dependent on oil that most economies simply could not exist in their present forms without it.
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March
Should Your Portfolio Have a Conscience?
Socially responsible investing has been around at least since the 1960s, but it seems to be getting more attention lately.
Six Times More Likely
It may be uncomfortable to consider the possibility that you could become disabled; however, preparing for the possibility now could help you avoid some more serious discomfort later.
The World Is Your Oyster
If you want to expand your portfolio’s geographic boundaries, international mutual funds may be a good option.
The Consumer Price Index and You
Inflation is a long-term, sustained rise in the general level of prices, as measured by the Consumer Price Index (CPI).
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February
A Grand New Contribution
If you were waiting for the day when you could sock away some serious dough in your individual retirement account, the time has arrived.
Mutual Fund Mastery
Test how much you know about one of the most popular investment vehicles.
Living Comes with Guarantees
Several types of living benefit guarantees are available that can provide valuable protection for variable annuity owners.
The Trouble with Timing
The speculation that drives market timing can often cause investors to get in right before a downturn or to flee before realizing potential gains.
Quick Facts - February 2008
Information about Retirement, Long Term Care and the Mature Markets
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January
The Coming Retirement Boom
In 2008, a new era will dawn that economists and policymakers have been anticipating for years with a mixture of curiosity and trepidation: baby boomers will begin turning 62, ushering in an unprecedented long-term shift in the balance between working and retired Americans.
Happy Birthdays?
The road to retirement winds through several birthdays that affect most Americans’ retirement benefits and tax circumstances.
Betting Your Life on Low Coverage
If you are close to retiring or have already retired, you may be wondering whether your life insurance policy meets your current needs.
Regain Your Individuality
When employees leave their jobs, they have a choice to make: they can withdraw the money, leave the money in their former employers’ retirement accounts, or roll the money into another retirement plan.
You’ve Sold It: What’s Next?
If you are a business owner who is considering selling your enterprise soon, you may be able to reap even greater rewards by doing a little prep work now.
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December
Life Insurance Goes to College
Life insurance is usually thought of in terms of tragic outcomes, but if life goes as planned, you may still be able to use it to send your kids to college.
World of Opportunity
It may be tempting to think that investing at home is enough, but that kind of thinking misses opportunities that may be available through foreign investments.
Money and the Battle of the Sexes
When both spouses are informed about the household finances, it can reduce the potential for mistakes, misunderstandings, and lost opportunities.
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November
Free to Retire
A variable annuity might provide a way to help you pursue your retirement goals if you don’t have the time required to develop a winning retirement strategy.
Diversify and Conquer
If you dream of doing more in retirement than sipping lemonade in a rocking chair on the porch, you may want to consider the advantages of diversifying your portfolio.
Develop a Life Plan
An out-of-date estate conservation strategy is about as useful as none at all, but by updating your estate documents periodically, you can help protect the assets you wish to pass on to your heirs.
Poverty and the Modern Millionaire
Being a millionaire retiree has never really been the status quo – but now this amount may not be nearly enough to maintain even a modest retirement lifestyle.
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September
Tolerating Risk
Whether you are a conservative investor or an aggressive one, it’s likely there are mutual funds that match your risk tolerance.
Score Your Credit Knowledge
Creditworthiness is an inseparable part of financial health, therefore it’s important to know how to maintain good credit.
Join the Millionaire Club
The burden of funding retirement now rests squarely on the shoulders of workers, many of whom are finding that they may need much more than $1 million to provide a comfortable retirement lifestyle.
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August
Reasons to Roll
An IRA rollover is one way to give you the maximum control over your retirement assets.
Social Security Quiz
Test your knowledge about Social Security with this short quiz.
Chasing Hot Performers
As hype builds, it’s easy to get caught up in the excitement, but chasing the latest investment trends may just as easily leave an investor with a big loss.
Afraid of Outliving Your Income?
A split-annuity strategy is one way to help ensure a steady retirement income stream.
Dow Know-How
The Dow has been on a tear for many months, recently breaking 14,000. This article looks at the Dow and explains this benchmark.
PEANUTS© United Feature Syndicate, Inc.