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’ve probably got 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

Medigap: What You Need to Know

Medicare, Medicaid, Medigap – understanding healthcare options in retirement can be as confusing as reading a medical chart if you haven’t had the right schooling. Here’s a primer on Medigap to help get you started. What is Medigap? Millions of…


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…


Long-Term Care

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…


What to Know If You’re Impacted By Alzheimer’s or Another Dementia

November is National Alzheimer’s Awareness Month, which serves as a sobering reminder of how widespread this and other forms of the disease have become. Studies show the following: More than 5 million Americans are currently living with Alzheimer’s Alzheimer’s is…


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…