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…


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

Tax advantages, Roth-style: IRAs

What do 4,758,6001 investors know about Roth individual retirement accounts (IRAs) that others don’t? Hard to say, really, but if pressed, they might offer this tip: tax-advantaged savings. Roth IRAs are individual retirement plans that look a lot like traditional…


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,…


Health Care

Coping with medical bills.

A trip to the hospital can fill your mailbox with stacks of bills from the doctor, pharmacy, labs, emergency room, and more. Handling this paperwork can add stress to an already trying situation. Here are some things you can do…


Is a Health Savings Account (HSA) right for me?

Healthcare costs are going up. Between 2005 to 2014, annual out-of-pocket healthcare spending rose from an average of $2,664 to $4,290. And health insurance premiums were the biggest reason for those costs rising.1 So it makes sense to look for…


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…


Planning and Paying for Long-term Care in Retirement

Someone turning age 65 today has almost a 70% chance of needing some form of living or medical assistance as they age.1 And that help can come with a hefty cost that can impact both you and your loved ones…


Preparing for Retirement

What to Pay off First: Student Loans or Credit-Card Debt?

The average adult makes 35,000 decisions every day.1 Think about it. From the moment you wake up until you go to sleep, you make decisions about what to eat, what to wear, what to say and whether to pay off…


The Tax Benefits of IRA Contributions

Almost 64% of all individual retirement account (IRA) investors are using traditional IRAs1 – and for good reason. Traditional IRAs offer a lot of advantages, especially when it comes to tax savings. Let’s take a look at how IRAs work…