Fifty-seven percent of American workers have saved less than $25,000 for retirement, and 28% have saved less than $1,000.1
Source: Employee Benefit Research Institute, 2013
Will you outlive your retirement income? Are your financial expectations for the coming year realistic?
Our financial newsletters are designed to provide helpful information on a wide variety of financial topics. Simply click on one of the newsletter topics below to read the article in its entirety.
HOT TOPIC: Shoppers Still Waiting for Security Fix
Current trends in debit- and credit-card fraud and how shoppers can help protect their personal information and financial accounts.
Adding Real Estate to Your Portfolio
An overview of the potential benefits and risks of REITs, and how real estate investments might help provide portfolio balance.
Who Controls the Cash?
Results of a recent survey on couples and money management, plus suggestions for forging a stronger financial partnership.
Guarding Against Fraud
Three basic principles that could help consumers spot a fraudulent scheme.
Watching for Inflation
Fed officials eventually need to decide when to tighten monetary policy and raise the benchmark interest rate.
Information about the Affordable Care Act’s employer mandate for small businesses, including tax credits and SHOP.
HOT TOPIC: Tightening the Rules on Corporate Inversions
Understanding inversions and their implications on tax revenues, corporate taxes, and for shareholders of inverted companies.
Tips for Your 2014 Taxes
The end of the year will be here soon, but there’s still time to take steps that may help reduce your 2014 taxes.
If Inflation Is Low, Why Are Prices High?
Consumers who go to the grocery store or gas station might wonder what the talk of low inflation is all about.
Smaller Hikes for Medicare Advantage Premiums
The government planned to reduce Medicare Advantage plan funding for 2015, but pressure from Congress led to a reversal.
Health Savings Accounts and Your Retirement
An HSA could play a role in a longer-term retirement strategy because of three powerful tax benefits.
Saving for Life After Work
Retirement benefits are the 3rd most important consideration fostering employee loyalty, after salary and health insurance.
HOT TOPIC: U.S. Oil Carries More Weight in the Global Market
The U.S. has become the world’s largest energy producer; can lower gas and oil prices accelerate the economy?
When You Can’t Speak for Yourself
Having proper legal documents in place can help when you are unable to make your own medical and financial decisions.
Options for Retirement Living
Some considerations when deciding where to live in retirement, be it staying in the same community or moving.
Turbulent Times in Emerging Markets
Emerging market investments may have the potential for higher average returns over the long term, but there are risks.
IRS Flips on Rollover Rules
Starting in 2015, only one 60-day tax-free rollover each year will be allowed, no matter how many IRAs are owned.
A Brave New World
The federal government is forging trade agreements and creating new programs that may help businesses become export-ready.
HOT TOPIC: Global Static: Geopolitics and U.S. Markets
A look at recent international geopolitical situations and whether they could have a long-term effect on U.S. markets.
You Need a Will. What About a Trust?
This article provides an overview of basic trust terms and structures and common types of trusts.
Do You Still Need Life Insurance?
Reasons why life insurance may still be important and the differences between term and permanent insurance policies.
Timing Social Security and IRA Distributions
Understand Social Security claiming strategies, longevity issues, and tax considerations to help maximize benefits.
Too Good to Be True?
Knowing what to look for could help investors guard against common types of fraud such as pyramid schemes and affinity fraud.
Tax Season Never Ends for the Self-Employed
Making accurate quarterly tax payments on schedule can help avoid interest penalties for underpayment.
HOT TOPIC: Will College Pay Off? Big Bills Call for Smart Choices
A Federal Reserve analysis found investing in a college degree earned an average annual return of about 15% over the last decade.
Be Careful About Cashing Out
When leaving a job, what you could do with the assets you’ve accumulated in your employer-sponsored retirement plan.
Meet the Greeks: Alpha and Beta
This article explains how alpha and beta measures can be used to compare investments.
Catch Up for a More Comfortable Retirement
Workers aged 50 and older can give their retirement savings a boost by taking advantage of catch-up contributions.
Small Business Owners Deserve a Vacation
Some tips for fitting a personal vacation into business plans and helping the business run efficiently.
Experience U.S. National Parks by Volunteering
This article explores ways to enjoy a relatively inexpensive outdoor vacation.
HOT TOPIC: Jobs Are Back, But Is It Too Soon to Celebrate?
Understanding the current jobs situation and how it may affect the economy in the coming months.
Balancing Foreign Trade
The key dynamics behind the U.S. trade deficit including trade issues with China and international trade agreements.
An overview of UITs with a focus on some important factors to understand when adding UITs to a portfolio.
Do You “Speak” Annuities?
An overview of fixed and variable annuities and how they could provide a guaranteed income stream in retirement.
When Adult Children Need Financial Help
Ideas for parents to consider when their adult children ask for financial help.
Succession Planning and Life Insurance
How to help survivors from being forced to liquidate the business, sell assets, or borrow money to pay taxes and fees.
HOT TOPIC: Housing Trends – New Rules Could Revive Recovery
Current housing trends, the role of the government in the housing-finance market, and what changes could mean.
Imagining Your Retirement
Key points to consider as you envision your retirement and work to make your dreams come true.
Keeping Score for Your Credit
Tips to maintain or potentially improve your credit scores (higher scores could make it easier to obtain credit).
Bridging the Gap Between Retirement and Medicare Eligibility
The health exchanges could be beneficial for early retirees who need coverage before they are eligible for Medicare.
Taxes Due for Better or Worse
A number of new taxes could affect couples (especially higher-income couples) and lead to surprises at tax time.
Small-Business Borrowing Update
Common financing options that small businesses often rely on to run their operations or finance expansion.
HOT TOPIC: Trading in Microseconds
Principles of high-frequency trading and an examination of its potential impact on average investors.
Women Lack Life Insurance
Why women need life insurance, whether they are breadwinners, co-providers, or a stay-at-home parent.
Too Much of a Good Thing?
It’s wise to review your portfolio regularly to make sure the asset allocation still reflects your chosen strategy.
Strengthening Social Security
A recent poll measured attitudes toward four potential changes to strengthen the Social Security system.
Matching the Market
A look at the many types of indexes and indexed investments tracking various segments of the economy.
Does a Larger Staff Fit into Your Growth Strategy?
More than half of small-business owners and CEOs surveyed in 2013 said they were planning to hire new workers in 2014.
HOT TOPIC: Looking Beyond the Bull Market
The bull market for U.S. stocks hit the 5-year mark in March; only 5 have lasted longer. Where could stocks be headed?
An Interest in Lending
The basics of bonds including the advantages and risks of U.S. Treasury, municipal, and corporate bonds.
Paying for Giving
When it comes to taxes, the giver could face tax liabilities that do not apply to the receiver.
Retirement Risks to Consider
The road to a comfortable retirement is full of risks, and they don’t end when you stop working.
Cleaning Up Your Financial Records
Make it easier to find financial documents when you need them with these organization tips.
Entrepreneurs Get Back in the Game
Start-up activity rose to a 14-year high in 2012; some first steps for turning an idea into a profitable business.
HOT TOPIC: New Chair, Same Fed?
New Fed chair Janet Yellen, forward guidance for future action, and how investors and the economy could be affected.
Weighing Price and Earnings
Some factors that may affect P/E ratios and what they might reveal about individual stocks and broader market trends.
Reading into the Federal Reserve’s Beige Book
A look at how the FOMC compiles the Beige Book and some of the useful information that can be found in it.
Should You Open the Door to Closed-End Funds
A description of closed-end funds and why income-oriented investors may want to consider them for their portfolios.
Enforcement Programs Aimed at Small Businesses
While small biz strive to comply with the federal tax code, certain practices could attract attention from the IRS.
When Your Child Should File a Tax Return
IRS rules regarding who must file are based on the amount and source of income rather than age
HOT TOPIC: The Japanese Economy
In 2013, Japan’s economy and stock market showed promising signs of progress after 15 years of deflation.
Overcoming Retirement Challenges
Four common obstacles to saving for retirement with suggestions on how to get back on track.
Looking Back, Looking Forward
Various indicators (leading, coincident, and lagging) may be helpful to better understand economic trends.
Time for a Trust
Common types of trusts, the issues they might address, and the benefits they may provide.
TIPS for Inflation Protection
Treasury Inflation-Protected Securities could help provide a hedge against future inflation.
Overcoming Cloud Confusion
Cloud-based services available to businesses and some of the pros and cons.
Production Values: New Calculations for GDP
The calculation of U.S. GDP was revised in 2013 and the changes provide a different perspective on economic performance.
A Map for Your Family
A letter of instructions can help guide family members through the many steps that need to be taken after the loss of a loved one.
S Corp vs. C Corp
From time to time businesses may want to revisit whether the current organizational structure is meeting its needs.
Should You Wait to Claim Social Security?
Factors that retirees should consider when making the important financial decision about claiming Social Security.
Credit vs Debit: Paying with Plastic
Debit and credit cards are subject to different rules and tend to offer different benefits and liability protections.