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Crisis Relief: Financial Lifelines for Affected Workers

August 2020

In the spring of 2020, unprecedented steps taken to help slow the spread of COVID-19 caused millions of Americans — including heavily impacted small-business owners and workers — to suffer a sudden and severe loss of income. Congress quickly passed… Read more

Indexed Annuities: A Strategy to Turn Savings into Retirement Income

August 2020

If you aren’t eligible for a traditional pension, you might consider whether an annuity could play a role in your retirement income strategy. Like all annuities, an indexed annuity (IA) is a contract with an insurance company that provides an… Read more

Turbulent Times: Bear Markets Come and Go

August 2020

The longest bull market in history lasted almost 11 years before coronavirus fears and the realities of a seriously disrupted U.S. economy brought it to an end.1 Bear markets are typically defined as declines of 20% or more from the… Read more

Consider a Roth Conversion for Tax-Free Income

August 2020

The combination of lower tax rates and lower asset values could make this a good time to convert assets from a traditional IRA to a Roth IRA. Converted assets are subject to federal income tax in the year of conversion,… Read more

Debit or Credit? Pick a Card

August 2020

Americans use debit cards more often than credit cards, but they tend to use credit cards for higher-dollar transactions. The average value of a debit-card transaction in 2018 was just $36, while credit-card transactions averaged $89.1 This usage reflects fundamental… Read more

HOT TOPIC: College Disrupted: Students Face High Costs and Pandemic Impact

August 2020

Even in normal times, it can be challenging for families to cover college expenses without borrowing money and/or risking their own retirement security. For the 2019–2020 academic year, the cost of in-state tuition, fees, room, and board at a four-year… Read more

Quarterly Taxes: Deadlines Keep Coming for the Self-Employed

July 2020

If you own your own business, you typically don’t have taxes withheld from every paycheck, so Uncle Sam wants you to pay estimated taxes in four installments. Normally, these payments are due on April 15, June 15, and September 15… Read more

The Beige Book: A Timely Economic Read

July 2020

Statistics are essential for making decisions on economic policy, but numbers may not tell the whole story. That’s why the Federal Reserve Open Market Committee also looks at a more informal report of economic conditions before each of its eight… Read more

Playing Defense: Three Stock Strategies to Help Control Risk

July 2020

Defensive stock strategies can help a portfolio better weather an economic downturn or bouts of market volatility without sacrificing all the growth potential of equities. If you are nearing retirement or just want to lower your risk exposure, these strategies… Read more

Four Questions on the Roth Five-Year Rule

July 2020

The Roth “five-year rule” typically refers to when you can take tax-free distributions of earnings from your Roth IRA, Roth 401(k), or other work-based Roth account. The rule states that you must wait five years after making your first contribution,… Read more

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