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fixed annuities


Three Ways to Help Simplify Your Finances

February 2023

Over time, finances tend to get complicated, especially when you’re juggling multiple goals and accounts. Simplifying your finances requires a bit of effort up front, but making just a few changes may help free up more time to focus on... Read more

IRA Strategies: After-Tax Money and the Pro-Rata Rule

February 2023

If you own an IRA and all your contributions were made with pre-tax funds, your withdrawals will be taxed as ordinary income in the year of the distribution. But if you also made after-tax contributions, determining the taxable amount of... Read more

Small Businesses Should Prepare for Stronger Tax Enforcement

February 2023

The Inflation Reduction Act of 2022 is providing the IRS with an influx of about $80 billion to modernize outdated technology and rebuild a depleted workforce, which is expected to improve enforcement to the tune of about $200 billion over a... Read more

HOT TOPIC: SECURE 2.0 Aims to Brighten the Future for Retirement Savers

February 2023

The $1.7 trillion appropriations bill passed by Congress at the end of last year included some notable provisions affecting workplace retirement plans and IRAs. Dubbed the SECURE 2.0 Act of 2022, the new legislation builds on the sweeping Setting Every... Read more

Stretch IRA Alternatives

January 2023

The passage of the SECURE Act in 2019 effectively eliminated the stretch IRA, an estate planning strategy that allowed an inherited IRA to continue growing tax deferred, potentially for decades. Most nonspouse beneficiaries, including children and grandchildren, can no longer... Read more

A 529 Plan Can Help Jump Start Your College Fund

January 2023

Busy, cash-strapped parents might welcome all the help they can get when saving for college. Building a college fund, even a small one, can help families feel more in control and less stressed during the college research and admission process.... Read more

Tips for Safe Online Shopping

January 2023

According to the National Retail Federation, online sales accounted for over $1 trillion of total U.S. retail sales in 2021.1 Online shopping is especially popular during the holiday season, enabling you to avoid the crowds and conveniently purchase gifts using... Read more

Taking Control of Your Retirement Savings

January 2023

When you leave your job or retire, you have an opportunity to manage your funds in an employer-sponsored retirement plan such as a 401(k), 403(b), or government 457(b) plan. Depending on the situation, you generally have four options. Rollover The... Read more

Naming a Trusted Contact

January 2023

When you open an account or update an existing account at a brokerage or a financial firm, you may be asked if you want to designate a “trusted contact.” This individual may be contacted in certain situations, such as when... Read more

HOT TOPIC: Is the Yield Curve Signaling a Recession?

January 2023

Long-term bonds generally provide higher yields than short-term bonds, because investors demand higher returns to compensate for the risk of lending money over a longer period. Occasionally, however, this relationship flips, and investors are willing to accept lower yields in... Read more

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