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Five Most Overlooked Tax Deductions

Five Most Overlooked Tax Deductions

Who among us wants to pay the IRS more taxes than we have to? While few may raise their hands, Americans regularly overpay because they fail to take tax deductions for which they are eligible. Let’s take a quick look at the five most overlooked opportunities to manage...

Can Group, Private Disability Policies Work Together?

Can Group, Private Disability Policies Work Together?

According to the Social Security Administration, a 20-year-old has more than a 25% chance of becoming disabled before reaching retirement age.1 Loss of income for such a duration has the potential to cause significant financial hardship. And while Social Security...

A Primer on Irrevocable Life Insurance Trusts

A Primer on Irrevocable Life Insurance Trusts

"I'm proud to pay taxes in the United States; the only thing is, I could be just as proud for half the money." - Entertainer Arthur Godfrey   The irrevocable life insurance trust (ILIT) can be an important estate strategy tool that may accomplish a number of...

Orchestrating Your Retirement Accounts

Orchestrating Your Retirement Accounts

An orchestra is merely a collection of instruments, each creating a unique sound. It is only when a conductor leads them that they produce the beautiful music imagined by the composer. The same can be said about your retirement strategy. The typical retirement...

How Retirement Spending Changes With Time

How Retirement Spending Changes With Time

New retirees sometimes worry that they are spending too much, too soon. Should they scale back? Are they at risk of outliving their money? This concern may be legitimate. Some households "live it up" and spend more than they anticipate as retirement starts to unfold....

9 Facts About Retirement

9 Facts About Retirement

Retirement can have many meanings. For some, it will be a time to travel and spend time with family members. For others, it will be a time to start a new business or begin a charitable endeavor. Regardless of what approach you intend to take, here are nine things...

Navigating Retirement Pitfalls

Navigating Retirement Pitfalls

Much is written about the classic financial mistakes that plague start-ups, family businesses, corporations, and charities. Some classic financial missteps have been known to plague retirees, too. Calling them "missteps" may be a bit harsh, as not all of them...

Does Your Portfolio Fit Your Retirement Lifestyle?

Does Your Portfolio Fit Your Retirement Lifestyle?

Most portfolios are constructed based on an individual's investment objective, risk tolerance, and time horizon. Using these inputs and sophisticated portfolio-optimization calculations, most investors can feel confident that they own a well-diversified portfolio,...

Preparing for the Expected

Preparing for the Expected

As Teddy Roosevelt once observed, "Old age is like everything else. To make a success of it, you've got to start young." The challenges seniors have met throughout their lives have made them wiser and stronger, preparing them for the unique challenges that come with...

The Value of Insuring Against Life’s Risks

The Value of Insuring Against Life’s Risks

Did you know that... Fifty-seven percent of American workers have no private short-term disability insurance.1,2 Sixty-five percent of working people in the U.S. lack private long-term disability coverage.1,2 Forty-eight percent of Americans have no life insurance.3,4...

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