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Four Key Objectives of a Sound Retirement Plan

October 2023

A sound retirement plan should be based on your particular circumstances. No one strategy is suitable for everyone. Once you’re retired, your income plan should strive to address four basic objectives: earn a reasonable rate of return, manage the risk... Read more

Managing Medicare Out-of-Pocket Costs

October 2023

Medicare covers only 60% of total health-care costs for Americans age 65 and older.1 Deductibles, copays, coinsurance, and payments for services not covered by Medicare can result in substantial out-of-pocket expenses. And there is no annual or lifetime out-of-pocket limit.... Read more

New FAFSA Favors Grandparent College Giving

October 2023

Helping a grandchild obtain a college degree could be a lifelong gift, but grandparent giving has often required fiscal gymnastics to avoid reducing a student’s financial aid eligibility. That is changing with the 2024–2025 Free Application for Student Aid (FAFSA),... Read more

Enriching a Teen with a Roth IRA

October 2023

Teenagers with part-time or seasonal jobs earn some spending money while gaining valuable work experience. They also have the chance to contribute to a Roth IRA — a tax-advantaged account that can be used to save for retirement or other... Read more

All Eyes on the Earnings Picture

September 2023

Publicly traded companies are required to disclose their financial performance to regulators and shareholders on a quarterly basis. News organizations and investors pay close attention to these reports because they tend to impact stock prices, with strong earnings driving share... Read more

Social Security 101

September 2023

Social Security is complicated, and the details are often misunderstood even by those who are already receiving benefits. If you’re looking forward to receiving your Social Security benefits, whether in one year or 30 years, you may be curious about... Read more

New RMD Rules Give Retirement Savings More Time to Grow

September 2023

The SECURE 2.0 Act, included in the federal spending bill passed in late 2022, dramatically changed the landscape for required minimum distributions (RMDs) from tax-deferred retirement accounts. As part of the effort to strengthen the nation’s retirement system, the Act... Read more

Leave a Lasting Gift with an Ethical Will

September 2023

A legal will describes how you want your material assets to be distributed, but how do you leave behind your values? Using an ethical will, also called a legacy letter, you can tell your personal story and communicate your beliefs... Read more

Coming in 2024: New 529 Plan-to-Roth IRA Rollover Option

September 2023

In December 2022, Congress passed the SECURE 2.0 Act. It introduced two new rules relating to 529 plans and student debt that will take effect in 2024. The first provision allows for tax- and penalty-free rollovers from a 529 plan... Read more

HOT TOPIC: Soft Landing or Delayed Recession?

September 2023

Economists have been predicting a recession for the U.S. economy ever since the Federal Reserve began aggressively raising interest rates in 2022. This is Econ 101. High interest rates, which make it more expensive to borrow, are intended to tame... Read more