Are you closing in on retirement? We have tips, tools and advice that can help you make better choices as you start planning the next chapter in your life.

Estate Planning

Save for college, save on estate taxes.

As you think about planning your estate, you probably have your loved ones top of mind. If college is part of their plan, a 529 College Savings Plan may be able to help in some unexpected ways. When you contribute…

online money calculator investment receipts

Is there a right way to make an estate plan?

The simple answer to this question is yes: Don’t do it yourself! Think about TV shows that are prefaced by the phrase, “Don’t try this at home!” Generally, that label should be on every bit of estate planning advice consumers…


Tax Planning

Avoiding an audit.

As the tax filing season approaches its end, many worry about being audited by the Internal Revenue Service (IRS). Historically, less than 1% of Americans will be audited (that figure jumps to 12.5% for those making $1 million or more…


6 ways to manage taxes in retirement.

People have to make a lot of assumptions when planning for retirement, especially when it comes to estimating taxes. But a simplistic assumption that you’ll be in a lower tax bracket when you retire can lead to problems. To help…


Health Care

Comparing Health Savings Accounts and Flexible Spending Accounts.

It’s no secret that health care is expensive. According to a recent study, a 65-year-old couple will pay $404,253 (which is $607,662 in future dollars) for total lifetime health care costs.1 Clearly, medical bills are a major expense category in…

retirement planning

Medicare basics.

44 million Americans are enrolled in the Medicare program — and this number is expected to rise to 79 million by 2030.1 Despite its widespread use, however, Medicare is misunderstood by many. Here, we share the basics that anyone who’s…


Long-Term Care

Should long-term care insurance be part of my financial plan?

Fall is right around the corner — and that means open enrollment season is almost here, too. When you think about the benefits choices you’ll make this year, is long-term care insurance (LTCI) on your list? Before investing in LTCI on your…


What women need to know about long-term care.

More than 12 million Americans are expected to need long-term care by 2020 and most of them will be women.1 Why? Because women generally live longer than men. A woman’s average lifespan is about 81 years while a man’s is…


Preparing for Retirement

What do 401(k) investors want next? An advisor on their side.

Technology has helped make investing easier than ever, but it can be frustrating when you just want to talk to someone about your money. Our research finds that consumers want more than technology: they want a real, human financial advisor…

boy making choice deciding on best option

Which IRA is better for you: Traditional or Roth?

The 401(k) is an excellent tool for getting started with investing and saving for retirement — but is it enough to sustain you throughout your post-working years? If you’re unsure, you might consider adding an individual retirement account (IRA) to…