Archive | Let’s Talk Money

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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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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Will you be ready to retire?

When you first started working, retirement may have seemed way off in the distance. But sooner than you anticipate, it will be right ahead of you. Long before you reach that finish line, you need to ensure you are doing everything you can to help reach your retirement savings goal. Here’s what you can do […]

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Take Advantage of Tax-advantaged Accounts

Investing for retirement will help you prepare for your future. But where should you invest your money? If you choose to invest in one or more tax-advantaged accounts, you can prepare for retirement and receive tax benefits. Here’s how the tax benefits of 401(k) plans traditional individual retirement accounts (IRAs) and Roth IRAs can help […]

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Commit to Your FUTURE

Will you have enough money for retirement? According to a recent survey, 57% of people reported that the total value of their retirement funds and investments was less than $25,000. This included 28% who had less than $1,000 accumulated for retirement. Setting aside money for retirement can be difficult when you have so many other […]

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A Gift for Your Future

Even if retirement is years away, what better gift could you give yourself this holiday season than income-tax savings and a potentially more secure future? All it takes is a bit of year-end planning. Max out Contributions Investigate the saver’s credit Now versus later See this month’s issue of Let’s Talk Money, these tips may give […]

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