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…

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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…

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Tax Planning

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Six tips for building a tax-efficient investment strategy.

You’re likely to hear a lot of talk about “tax-efficient investing” — but what exactly does that mean? Tax-efficient investing means using strategies that can help with after-tax wealth accumulation, instead of solely trying to minimize taxes. In other words,…

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What you need to know about tax-advantaged savings accounts.

Taxes can take a big bite out of your total investment returns. So when making your investment decisions, you’ll want to look for ways to help maximize tax benefits in addition to the usual considerations of potential investment risks and…

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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…

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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…

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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…

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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…

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Preparing for Retirement

Roth IRA conversion decision not the same for everyone.

Are you a candidate for converting your traditional IRA(s) or other qualified assets to a Roth IRA? If you’re like most investors, your answer isn’t a simple ‘yes’ or ‘no.’ Roth IRAs offer the possibility of tax-free retirement income if…

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Will Social Security be there when I retire?

Bankrupt. Insolvent. In trouble. Fair or not, these are just a few words some people use to describe Social Security. Making dramatic statements about the uncertainty of Social Security’s future, whether they’re accurate, always gets attention. This is because the…

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