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

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 $407,253 (which is $607,662 in future dollars) for total lifetime health care costs.1 Clearly, medical bills are a major expense category in…


Three things every woman needs to know about health care during retirement.

Health care is a priority for everyone at any stage of life. But when you retire, it becomes more important than ever before. Odds are, you’ll be spending more time in the doctor’s office or need to take long-term medication….


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…