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Consider Market Caps for Diversification

September 2020

The extreme market volatility of 2020 has rattled investors’ nerves, but it also can provide an opportunity to diversify at discount prices. One way to diversify the equity portion of your portfolio is to hold stocks of companies of different... Read more

Survivor Benefits Provide a Financial Lifeline

September 2020

The decisions you make when claiming your Social Security retirement benefit could make a big difference to survivor benefits that might be available to your spouse. That’s why it is important to consider these benefits long before they are needed.... Read more

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...

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

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