Three Things to Keep in Mind if You Are Considering Rolling Over Your Previous 401(k)

If you’ve left a job with an employer-sponsored 401(k) or 403(b) retirement plan, you have some decisions to make about what to do with your vested retirement dollars. One of the most common choices is transferring the account into a new rollover IRA account. While terminating employees typically have other options too, such as taking […]

Enjoy a Steady Retirement Income with Immediate Annuities

Immediate annuities such as Single Premium Immediate Annuities (SPIAs) are considered by many financial advisers and investors as a good way to ensure a steady retirement income. Despite the ups and downs of the financial markets and economy, payout amounts of a SPIA are pre-determined and do not vary in amount or frequency. At the […]

3 Reasons You Should Develop a Diversified Portfolio

Learning how to grow your investment portfolio can feel incredibly intimidating. Just when you think you’ve mastered one type of investing, someone comes along and insists that you diversify your portfolio. What is the importance of a diversified portfolio, anyway? There are several benefits to diversifying your investments that shouldn’t be ignored. You’ll have greater […]

Plan to Graduate College Debt Free

A college selection based on prestige is the main reason students accumulate debt. As student debt continues to climb, graduating debt free is becoming everyone’s goal. To succeed at this, select the right colleges based on realistic financial goals and education planning. The right college has one or two of these qualities. Two-year college Community […]

Understanding Target Date Funds

If you sponsor or participate in an employer-sponsored retirement plan such as a 401(k) or 403(b), odds are good that your fund line-up includes target date funds (also referred to as “lifecycle funds.”) These investment options are attractive for do-it-yourself investors and retirement plan participants. This is because periodic re-balancing of the investment portfolio is […]

The Importance of Retirement Planning

There are many people concerned about having enough money to last during retirement. People who retire today have a lot of financial issues they are facing. For example, interest rates are currently very low. For people living on a fixed income, these low rates make it difficult to live on interest from investments. One of […]

Tax Benefits of Annuities

Annuities offer several attractive benefits including safety, a guaranteed return, and their exclusion from the probate process. Probably the primary reason, though, is that like IRAs, 401(k)s, and other traditional retirement savings programs, annuities grow on a tax-deferred basis – that is, there is no tax due on an annuity’s earnings until they’re actually paid […]

2015 Tax Challenges for Business Owners

Tax challenges for business owners seem to grow every year as more complex requirements keep popping up. It can seem like juggling after a while, and it’s why you should always have advisors to help you through the storm. As we begin 2016, and you pay your 2015 business taxes, what issues might you face […]

How to Save Money for Education: Some Tips

Getting more education is very rarely the wrong decision. Higher education can be helpful in so many ways. It can help raise your intelligence and your income. It can make you happier in general, and if you do it right, it can be a lot of fun. Unfortunately, higher education is one of the most […]

How to Start Making Estate Planning Decisions

While estate planning is sometimes an uncomfortable issue that couples shy away from discussing, the importance of giving loved ones financial security makes preparing one’s estate crucial. USA Today listed some simple ways for couples to begin making plans. Wills A will is a good starting point as this document lists your wishes upon death […]