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IRA Rollovers for Lump Sum Pension Payouts

A big payout leads to a big question. If you are taking a lump sum pension payout from your former employer, what is the next step for that money? It will be integral to your retirement; how can you make … Continue reading

Retirement Planning First Steps

Before retirement begins, gather what you need. Put as much documentation as you can in one place, for you and those you love. It could be a password-protected online vault; it could be a file cabinet; it could be a … Continue reading

Estate Planning Primer

Estate planning professionals often contend with ambiguities. A plan may need to be modified in the future when some development in family life occurs – and there are some estate planning tools that may help to provide that kind of … Continue reading

What is a Special Needs Trust?

If you have a child with special needs, you face long-run financial demands that cannot be fully met through federal and state assistance. What can you do to try and meet them? A special needs trust may provide an answer … Continue reading

Economic Update 05/18/15

RETAIL SALES WERE FLAT IN APRIL Analysts surveyed by MarketWatch had forecast only a 0.1% advance, so this news was no shock. Still, it was disappointing after the (revised) 1.1% gain noted by the Commerce Department for March. The year-over-year … Continue reading

Why You Should Use A Registered Investment Advisor (RIA)

Who should manage significant wealth? In recent years, more and more high net worth households have found their answer to that question: a Registered Investment Advisor.     What is the RIA difference? RIAs have a fiduciary duty to act in … Continue reading

What To Do If You Are Retiring In The Next 5 Years

You can prepare for your retirement transition years before it occurs. In doing so, you can do your best to avoid the kind of financial surprises that tend to upset an unsuspecting new retiree. How much monthly income will you … Continue reading

Economic Update 05/11/15

HIRING REBOUNDS IN APRIL Employers added 223,000 new jobs last month, the Labor Department noted Friday. That news made the March payroll gain of 85,000 look like an aberration. The main jobless rate fell to a 7-year low of 5.4% … Continue reading

What You Need To Know About Bonds And Interest Rates

Will bond investors soon suffer major losses? In the last few years, Bill Gross, Jim Rogers and other pundits have warned of a bond bubble. While it has yet to occur – the broad bond market yielded an annualized 4.42% … Continue reading

Do You Need Life Insurance?

Many younger Americans lack life insurance. A 2014 report from insurance industry analyst LIMRA found that only a third of Gen Y Americans have any life insurance coverage. In the same survey of 6,000 respondents, six in 10 Gen X … Continue reading