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Setting a Retirement Savings Goal

April 2020

It’s difficult to reach a destination unless you know where you’re heading. Yet only 42% of workers or their spouses have tried to estimate the savings they would need to live comfortably in retirement.1 To get started on establishing a… Read more

HOT TOPIC: Government Acts to Blunt Financial Impact of Global Pandemic

April 2020

On March 11, the novel coronavirus (COVID-19) was officially declared a global pandemic by the World Health Organization, and two days later President Trump declared a national emergency.1 The unknowns surrounding a new virus make it difficult to predict the… Read more

Three Lessons from Retirees

March 2020

Each year, the Employee Benefit Research Institute (EBRI) surveys workers and retirees to assess how confident they are in their ability to live comfortably throughout retirement. In 2019, only 67% of workers reported feeling “very” or “somewhat” confident, compared with… Read more

Classifying Workers: Know the Rules and Risks

March 2020

Businesses are responsible for paying payroll taxes for Social Security, Medicare, and unemployment for their employees, but not for independent contractors. And when using contract workers, employers avoid related expenses such as workers’ compensation insurance and other benefits. Instead, contractors… Read more

Behavioral Biases That Can Lead to Costly Mistakes

March 2020

The field of behavioral finance focuses on the emotional and cognitive aspects of investing. In recent decades, well-known economists have advanced the theory that investors’ decisions can be driven by human emotions such as greed and fear, which helps explain… Read more

Five Red Flags That Raise the Odds of an Audit

March 2020

The IRS audited about 1 million tax returns in fiscal year 2018, and nearly 75% of those examinations were conducted entirely through correspondence.1 Taxpayers selected for an official audit are notified by mail. Confusing matters, the IRS also mails other… Read more

Stay-at-Home Spouse? Consider a Spousal IRA

March 2020

An ongoing study of IRA accounts has consistently found that women, on average, have lower retirement savings balances than men (see chart). Though there may be multiple reasons for this disparity, the most fundamental are the wage gap between men… Read more

HOT TOPIC: The Coronavirus and the Global Economy

March 2020

At the end of February 2020, there were more than 84,000 confirmed cases of COVID-19 — the official name of the coronavirus first reported in Wuhan, China — including over 2,800 deaths. Most were in China, primarily in Wuhan and the surrounding Hubei province…. Read more

What Is Cyber Insurance, and Do You Need It?

February 2020

Does your company store or communicate potentially sensitive information about customers, employees, or competitors? Cyber attacks and loss of data can be devastating to a business, so you may want to be proactive about addressing this risk. Start by determining… Read more

Municipal Bonds

February 2020

Municipal bonds are issued by public entities such as state and local governments, health systems, universities, and school districts to help finance ongoing expenses and major projects such as roads, water systems, and facilities. An attractive feature of these bonds… Read more

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