Personal Finance

Friday, December 9, 2016

Financial Planning Issues for New Parents

As you prepare for life with your new child, it's time to prepare a new financial plan for your family or make any necessary changes to your existing plan. You'll want to consider how your baby will affect your budget, make sure you have adequate insurance, protect your child's future with a well-thought-out estate plan, and determine how having a child will affect your income taxes.


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Setting Financial and Investment Goals

Setting goals is a very important part of life in general and in financial planning in particular. Before you actually invest your money, you should spend some time considering and setting your personal financial goals. For example, do you want to retire early? Would you like to start your own business soon? Do you need to pay for your children's college education? Would you like to buy or build a new house?



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Tuesday, November 22, 2016

Year-End Tax Planning

As the end of the year approaches, it’s time to consider strategies that could help you reduce your tax bill. But most tax tips, suggestions, and strategies are of little practical help without a good understanding of your current tax situation. This is particularly true for year-end planning. You can’t know where to go next if you don’t know where you are now.

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Wednesday, October 12, 2016

A Family Conversation on Estate Planning

Estate planning can be difficult. For many of us, the first hurdle in developing a sound estate plan is coming to grips with our own mortality.

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Estate Planning for the Family of a Child with Special Needs

Parents of children with special needs are faced with unique considerations and choices when developing their estate plan.



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Trust Basics

Whether you're seeking to manage your own assets, control how your assets are distributed after your death, or plan for incapacity, trusts can help you accomplish your estate planning goals.

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What’s Age Got To Do with It?

What’s the “right” age to begin estate planning? Twenty-five? Fifty? Eighty? If you think about it, age isn’t really the most important consideration. Estate planning has more to do with life stages than with age. So, whether you’re 30 or 90, your individual wealth and the loved ones who depend on you are the factors that should drive your planning efforts.

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Translating Goals into Action

Creating an estate plan may seem like a difficult and complex undertaking. But if you approach the task in steps, you will find you can transform your financial goals into an action plan that will help protect your family’s financial future.

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Monday, August 29, 2016

September Is Life Insurance Awareness Month

Would your loved ones be financially protected if something were to happen to you? Research shows that four out of every 10 households in the U.S. have no life insurance protection at all. Thirty percent of U.S. households concede that they need more life insurance.*




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Don’t Know Much About . . . Life Insurance?

If you don’t know much about life insurance, help is on the way. The first lesson is learning the lingo. Then your financial professional can help you determine how much and what type of coverage is right for you.





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Life Insurance at Various Life Stages

Your need for life insurance changes as your life changes.

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Life Insurance: Do You Need It?

At some point in your life, you'll probably be faced with the question of whether you need life insurance. Life insurance is a way to protect your loved ones financially after you die and your income stops. The answer to whether you need life insurance depends on your personal and financial circumstances.

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Important Things to Consider Before Buying a Life Insurance Policy

Janney's Wealth Management Group shares important steps one should take prior to buying a life insurance policy.

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Tuesday, August 23, 2016

Choosing a College Savings Vehicle

Where should families put the money they’re saving for college? A 529 college savings plan? A Coverdell education savings account (ESA)? A standard brokerage account in the parents’ names? Or maybe a custodial account for the student-to-be? Each option has pros and cons. Here’s a look at important factors that may influence the choice of a college savings vehicle.


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How Will I Manage to Send My Child to College?

Being able to send your child to college is near the top of the wish list for most parents. A college education can open doors to many opportunities, and is increasingly necessary in today's economy. But that diploma doesn't come cheap.

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College Planning — More Than Money

Choosing a way to save for your child’s education expenses may be your family’s first college planning decision, but it certainly won’t be the last. From making that first deposit, to selecting a college, to choosing a course of study, you and your child will be making choices that can have a financial impact for years to come.



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Tips for Leveraging 529 College Savings Plans

Whether you are a new parent just starting out, a grandparent who wants to make gifts to a grandchild, or somewhere in between, saving for college is the greatest contribution you can make to the future of your children.



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How to Fund Your Child's College Education

When the college bill comes, what are your next steps?



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Thursday, July 28, 2016

Millennials are Reshaping Military Benefits

Millennials now make up the largest generation: 83.1 million “Generation Y” 18-to-34-year-olds are entering the workforce and joining our armed services.

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Talking to your Millennial Children about Finances

Your Millennial children are all grown up: There are now 83.1 million “Generation Y” 18-to-34-year-olds, and they currently comprise the largest generation. They are entering the workforce in large numbers, and beginning to earn their own living. They’re looking to you for financial advice—but they likely think differently about money than you do.


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Tuesday, June 28, 2016

The British Are Leaving! Why the Brexit Matters to Investors

An overview of the economic issues surrounding the Brexit, and what this historic decision could mean for the United Kingdom, world trade, and international investors.


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Wednesday, June 22, 2016

Millennials and Gen Xers: Reshaping Retirement Planning

Gone are the days when someone retires from the company that launched their career. The path to retirement that existed for previous generations has changed for Millennials and Generation Xers, and this is changing how young people need to think about retirement planning. The new path forward offers more mobility, but it also comes with greater responsibility.


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Thursday, June 16, 2016

Give Your Graduate a Roth IRA

You can’t wrap it and it won’t fit in a card, but a Roth individual retirement account (IRA) is a graduation gift that can last a lifetime. What better way to encourage your new graduate to invest than to provide a head start on retirement savings.

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On the Move

In our mobile society, it’s nice to know that you can take the money you’ve saved in your employer’s retirement plan with you if you change jobs. Or, your plan may give you the option of leaving your money where it is. Before you make a move, however, think carefully about what would be your best move.


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Switching Jobs

You’ve thought long and hard about leaving your current employer and are now ready to make the move. However, before you clear your desk and head for the door, here are a few tax tips to consider.

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Thursday, May 26, 2016

Section 529 Plans — An Option for College Savers

Before your child even takes that first step, you’ll probably make some important decisions about the future. One of those decisions might involve the best way to save for college. Section 529 qualified tuition programs (QTPs) are an option to consider.



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Friday, May 20, 2016

Is Your Portfolio in Sync with Your Retirement Withdrawal Strategy?

Head of Wealth Planning, Martin Schamis, discusses syncing your portfolio with your retirement withdrawal strategies.



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How to Start Planning for Retirement Withdrawals

Planning a retirement withdrawal strategy is a fundamental step toward replacing a traditional paycheck with a long-term retirement “paycheck.” Here are three questions you can ask yourself that will lay the groundwork for planning your long-term strategy.



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Tuesday, May 17, 2016

Save Your Spare Change

Saving can start out small, but add up to big change.



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College and Retirement: Can You Save for Both Goals?

Concerned about rising tuition costs and saving for retirement at the same time?



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Building a Better Budget

Budgeting your money will help you prepare for what lies ahead.



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Don't Let a Disability Disable Your Business

What would happen to your company if you were unable to work due to a disability?



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Controlling Business Costs

Increasing your profits requires selling more and/or spending less.



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Tuesday, March 1, 2016

Taxes and Divorce: Five Key Issues to Know About When Filing Your Return

Senior Estate Planner, Mike Repak, discusses important tax filing issues to consider while going through, and after you’ve finalized, a divorce.



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Monday, February 1, 2016

Five Common Investment Tax Filing Errors

Senior Estate Planner, Mike Repak, explains some common tax filing errors and how to avoid them.



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