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Retirement Readiness Checkup

Are you saving enough for retirement? It’s easy to underestimate your retirement expenses, since you can’t know everything the future will bring. But there are ways to more accurately gauge your financial needs, especially if you’re just a few years from retirement. Healthcare is big Location, Location Surprises Happen Keep On Keeping On See this […]

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Time and Money

Time never matters more than when saving for a long-term goal. Retirement is most people’s longest-term goal. Here’s why time matters. Start Early Lost Time Early is Better Begin Today See this month’s issue of Let’s Talk Money, these tips may give you a better retirement outlook. • The Social Security Numbers Game When will you […]

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Fine-tune Your Retirement Preparations

Fine-tune Your Retirement Preparations

Is retirement within sight? As you get closer to retirement, your thoughts may turn to the day when you’ll finally be able to slow down and relax. But during the time that remains, take the opportunity to do all you can to ease your transition. Talk over expectations Make a retirement budget Review your investments […]

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Trimming your holiday spending

While you may be tempted to “deck the halls” during the holiday season, don’t let your festive spirit put you into major debt. Think about the whirlwind of bills that will come due in January if you overspend now. It is possible to spread some cheer without breaking the bank.   Decide how much you […]

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Your asset mix – bring it back in line

What have your investments been up to lately? Maybe some of them have performed really well. And maybe some took a swan dive. Either way, your asset allocation may now be out of whack.   What can you do about it? Rebalancing helps you restore your asset mix to the percentages of stock, bond and […]

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Financial protection for the self-employed

If you are self-employed, you are fully aware of the joys — and the pressures — that being your own boss bring. You can work as much or as little as you choose. And as long as you are healthy, your ability to generate income is secure and your family can enjoy the life you’ve […]

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Time for a benefits check

Autumn can be a busy time. Kids are back in school and the holidays are looming. Making employee benefits decisions may be just one more thing piling up on your to-do list. So you might be tempted to take a shortcut by renewing your current benefits without reviewing your options. That could be a mistake. […]

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Savings for Stay-at-Home Spouses

It can be challenging for a spouse who doesn’t have access to an employer’s retirement plan to save for retirement. One potential solution: opening a spousal individual retirement account (IRA). How it works Traditional spousal IRA contributions Roth spousal IRA contributions See this month’s issue of Let’s Talk Money, these tips may give you a better […]

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Ready or Not - You May Have To Retire Early

Ready or Not – You May Have To Retire Early

Are you one of those people who dreams of retiring early? Or would you rather push off retirement as long as you can? Unfortunately, the decision to retire early isn’t always in your hands. If you lose your job or become ill, your retirement date can come sooner than you had hoped for. Whether you […]

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Summer School – Learn About RMDs

It’s probably been a while since you were in school. However, if you’re approaching retirement, it’s a good time for a few lessons on taking required minimum distributions (RMDs) from individual retirement accounts (IRAs) and 401(k) plans. The basics Take by the deadline Calculate the amount Avoid the penalty See this month’s issue of Let’s […]

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