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When a Saver Marries a Spender, Every Penny Counts

July 2017

If you’re a penny pincher but your spouse is loose with the family purse strings, money arguments may frequently erupt. Thinking of yourselves as two sides of the same coin might help you appreciate your financial differences. Heads or Tails, Saver or Spender If you’re a saver, you like having money in the bank, investing… Read more

HOT TOPIC: Volatility Puts Tech Sector in the Spotlight

July 2017

Technology stocks experienced a sharp burst of volatility in June 2017. Stocks in the S&P 500 Information Technology sector fell 3.7% during the week ending June 16, even though the performance of the broader S&P 500 index was relatively flat.1 On June 19, S&P tech stocks rebounded 1.7% in a single trading session.2 What caused… Read more

The Pros and Cons of Financing Options

June 2017

A 2015 survey found that nearly half of small employers (with fewer than 500 employees) applied for credit in the previous 12 months. Even though the credit market has become friendlier overall, small companies still have a more difficult time getting approved for bank loans than larger businesses.1 Here are some common types of financing… Read more

Indexed Annuities

June 2017

Like all annuities, an indexed annuity is a contract with an insurance company that provides an income stream — either immediately or at some point in the future — in exchange for premium payments. However, indexed annuities are unique in offering a minimum rate of return (typically 1% to 3%) that helps to preserve principal,… Read more

Student Loans Meet Retirement

June 2017

The burden of student loans is typically associated with recent college graduates or young professionals, but the number of consumers age 60 and older with student loan debt quadrupled from 2005 to 2015 (see chart). During this period, the average amount owed by those 60 and older rose from $12,100 to $23,500.1 Repaying college debt… Read more

Do You Need Disability Insurance

June 2017

More than seven out of 10 working Americans believe that most people need disability insurance, yet only one out of three actually has disability insurance protection.1 This disconnect suggests the importance of assessing your own situation and determining whether you have appropriate financial backup in the event that you cannot work due to a disability… Read more

Investing in Your Values

June 2017

Two recent surveys found that a large majority of young, high-net-worth investors want to make a positive social impact with their investments.1 This may bode well for the future of social impact investing, which has already become a large part of the investment world — and you don’t have to be wealthy to align your… Read more

HOT TOPIC: Full Employment: What Happens Now?

June 2017

In April 2017, the nation’s unemployment rate dropped to 4.4%, matching a 10-year low last seen in May 2007. To put this in perspective, the last time the unemployment rate fell below 4.4% was in May 2001, the end of the dot-com boom, when the U.S. economy grew by more than 4% annually for four… Read more

Consider Taxation When Setting Compensation

May 2017

According to an annual survey, only about half of small-business owners paid themselves a salary in 2016. Of those who did, the average reported salary was about $76,000.1 Of course, the size of a business owner’s paycheck largely depends on the type of business and how well it’s doing. If the company is new or… Read more

Advance Medical and Legal Directives

May 2017

It’s not pleasant to think about the possibility of being unable to make your own medical or financial decisions. But taking the time to express your wishes in advance could help ensure that your health-care and financial affairs are handled as you wish and that your loved ones feel more confident about any decisions made… Read more

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