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Could You Be Responsible for Your Parents’ Nursing Home Bills?

September 2020

In 26 states (and Puerto Rico), laws generally hold children financially responsible for certain debts of their parents. These laws are referred to as filial responsibility laws (or filial support or filial piety laws). The details of filial responsibility laws… Read more

HOT TOPIC: The Bull Is Back… Will It Keep Charging?

September 2020

On August 18, 2020, the S&P 500 set a record high for the first time since COVID‑19 ushered in a bear market on February 19. The cycle from peak to peak was just 126 trading days, the fastest recovery in… Read more

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

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