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

Taxes and investing: What you need to know.

While taxes may be unavoidable, understanding how they work can help you minimize them, or at least help you get the most bang for your buck. You’re probably already pretty familiar with sales tax and taxes on your salary, so…


Love, marriage and … taxes?

With wedding season in full swing, couples old and new alike have partnership on the mind. If you’re married (or about to be married), you probably already know that teaming up on financial planning is important. Joining your financial lives…


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

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…


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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