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Newsletter Archives

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December 2017pdf_icon

  • Questions to Ask Before Buying That Thing You Always Wanted
  • Demographic Dilemma: Is America’s Aging Population Slowing Down the Economy?
  • It’s Time for Baby Boomer RMDs!
  • What can I learn from looking back on my financial situation in 2017?

November 2017pdf_icon

  • What You Can Do with a Will
  • Five Myths About Group Disability Insurance
  • The Health-Wealth Connection
  • How much money should a family borrow for college?

October 2017pdf_icon

  • Company Stock and Your Portfolio: Keep Your Eye on Concentration Risk
  • Managing Debt While Saving for Retirement
  • Examining the Taxpaying Population: Where Do You Fit In?
  • Is the Social Security Administration still mailing Social Security Statements?

September 2017pdf_icon

  • For Women, a Pay Gap Can Lead to a Retirement Gap
  • Life Is for the Living and So Is Life Insurance
  • Medicare and Your Employer Health Plan
  • How do economists measure inflation, and why does it matter to investors?

August 2017pdf_icon

  • Working in Retirement: What You Need to Know
  • Test Your Investing IQ
  • Kickstart Your College Fund with a 529 Plan
  • How do the economic milestones of young adults today compare with previous generations?

June 2017pdf_icon

  • Four Numbers You Need to Know Now
  • Student Loan Debt: It Isn’t Just for Millennials
  • Expect the Unexpected: What to Do If You become Disabled
  • What is a funeral trust?

May 2017pdf_icon

  • Balanced Funds: Seeking Growth and Stability
  • Tax Benefits of Homeownership
  • Is It Wise to Trade Your Pension for a Lump Sum?
  • Are you ready to retire?

April 2017pdf_icon

  • 401(k) Withdrawals: Beware the Penalty Tax
  • Converting Retirement  Savings to Retirement Income
  • Spring Cleaning Your Finances
  • What are bond ratings?

March 2017pdf_icon

  • Due Date Approaches for 2016 Federal Income Tax Returns
  • Why Diversification Matters
  • Table: Federal Student Loans for College
  • How can I prepare financially for stormy weather?

February 2017pdf_icon

  • Quiz: How Much Do You Know About Social Security Benefits?
  • Tax Tips for the Self Employed
  • Grandparents Can Help Bridge the College Cost Gap
  • Can the IRS waive the 60 day IRA rollover rule?

January 2017pdf_icon

  • Medicare and Medicaid: What’s the Difference?
  • Key Retirement and Tax Numbers for 2017
  • Growth, Value, or Both?
  • How can I pay off the credit card debt I racked up during the holidays?

December 2016 pdf_icon

  • Playing Catch-Up with Your 401(k) or IRA
  • The Giving Season: Six Tips for Making Smart and Effective Charitable Donations This Holiday Season
  • What it Means to Be a Financial Caregiver for Your Parents
  • What should I evaluate when considering a new job offer?

November 2016pdf_icon

  • Will vs. Trust: Is One Better Than the Other?
  • Are You Ending 2016 Healthy, Wealthy and Wise?
  • Pretax, Roth, or After-Tax Contributions: Which Should You Choose?
  • Do I need to make any changes to my Medicare coverage for next year?

October 2016pdf_icon

  • Earnings Call: A Closer Look at Financial Reports
  • Ten Year-End Tax Tips for 2016
  • Top Financial Concerns of Baby Boomers, Generation Xers, and Millennials
  • What are my health-care options if I retire early?

September 2016pdf_icon

  • Quiz: Test Your Interest Rate Knowledge
  • How to Get a Bigger Social Security Retirement Benefit
  • The Importance of Saving for Retirement at a Young Age
  • How is GDP calculated in the U.S.?

August 2016pdf_icon

  • Investors Are Human Too
  • Four Reasons Why People Spend Too Much
  • Understanding the Net Investment Income Tax
  • Should I pay off my student loans early or contribute to my workplace 401(k)?

July 2016pdf_icon

  • Life Insurance Options After Retirement
  • Q&As on Roth 401(k)s
  • Finding and Claiming Forgotten Funds
  • I have matured US Savings bonds. Are they still earning interest and, if not, can I roll them over to another savings bond?

June 2016pdf_icon

  • Projecting a Happy Retirement
  • Debt Optimization Strategies
  • Common Financial Wisdom: Theory vs. Practice
  • Can I make charitable contributions from my IRA in 2016?

May 2016pdf_icon

  • Understanding Stock Market Indexes
  • Four Lessons Grandparents and Grandchildren Can Learn Together
  • Nearing Retirement? Time to Get Focused
  • How long should I keep financial records?

April 2016 pdf_icon

  • Six Potential 401(k) Rollover Pitfalls
  • When Disaster Strikes: Deducting Casualty Losses
  • What’s new in the World of Higher Education?
  • What is the federal funds rate?

March 2016pdf_icon

  • Rates on the Rise: Strategies for Fixed Income Investors
  • Cost of Living: Where You Live Can Affect How Rich You Feel
  • Can You get to a Million Dollars?
  • How long will I have to pay for private mortgage insurance?

February 2016 pdf_icon

  • Changes to Social Security Claiming Strategies
  • Filing Your 2015 Federal Income Tax Return
  • Quiz: Which Birthdays are Financial Milestones
  • What are Required Minimum Distributions?

January 2016pdf_icon

  • Assessing Portfolio Performance: Choose Your Benchmarks Wisely
  • Are There Gaps in Your Insurance Coverage?
  • Investor, Know Thyself: How Your Biases Can Affect Investment Decisions
  • I’m thinking about storing financial documents in the cloud.  What should I know?

December 2015pdf_icon

  • When a Saver Marries a Spender, Every Penny Counts
  • Give Your Retirement Plan an Annual Checkup
  • Periodic Review of Your Estate Plan
  • What do I need to know about submitting the FAFSA?

November 2015 pdf_icon

  • Don’t Forget About Year-End Investment Planning
  • Think Twice Before Counting on a COLA
  • Dealing with Medical Billing Issues
  • How do I change or revoke a will?

October 2015pdf_icon

  • Three Smart Moves for Young Adults
  • 2015 Year-End Tax Planning Basics
  • Frequently Asked Questions on Opening a 529 Plan Account
  • My employer now offers wellness benefits as part of its employee benefits package. But what are they?

September 2015pdf_icon

  • Correlation and Portfolio Performance
  • Six Life Insurance Beneficiary Mistakes to Avoid
  • Taxes, Retirement, and Timing Social Security
  • I’ve recently changed my legal name.  Do I need to change my name on my Social Security Card?

August 2015pdf_icon

  • Financial Mistakes People Make at Different Ages
  • Five Ways to Manage Risk in Your Retirement Savings Plan
  • The Cost of Credit
  • What return are you really earning on your money?

July 2015 pdf_icon

  • What’s New in the Housing Market for 2015?
  • Five Steps to Tame Financial Stress
  • Planned Charitable Giving
  • What is the Roth 401(k) five-year rule?

June 2015 pdf_icon

  • Reviewing Your Finances Mid-Year
  • Three College Savings Strategies with Tax Advantages
  • Millenials vs. Boomers: How Wide is the Gap
  • How important are dividends in the S&P 500’s total returns?

May 2015pdf_icon

  • How Does Divorce Affect Social Security Retirement Benefits?
  • Avoiding Probate: Is it Worth It?
  • Self-Directed IRAs
  • Am I liable for unauthorized transaction on my debit card?

April 2015pdf_icon

  • Retirement Withdrawal Rates
  • When Your Child Asks for a Loan, Should You Say Yes?
  • How Does Your 529 Plan Stack Up Against the Competition?
  • I owe a large amount of money to the IRS. Can I pay what I owe in installments?

March 2015pdf_icon

  • Points to Consider If Your Retirement Goal Seems Out of Reach
  • Last-Minute Tax Tips
  • The Cost of Waiting
  • How much can I contribute to my IRA in 2015/

February 2015pdf_icon

  • Key numbers for 2015
  • 10 Financial Terms Everyone Should Know
  • Should Life Insurance Be Part of Your Retirement Plan?
  • Should I be worried about a Federal Reserve interest rate hike?

January 2015pdf_icon

  • Healthy Resolutions Can Pay Off (Literally)
  • No Matter What Your Age, Your Social Security Statement Matters
  • All About IPOs
  • When do I need to submit college financial aid forms?

December 2014pdf_icon

  • Four Questions to Ask Before You Open Your Wallet
  • Helping Your Parents Manage Their Finances
  • Importance of Timing a Roth IRA Conversion: An Example
  • How can college students save and spend money wisely?

November 2014pdf_icon

  • Saving or Investing: Is There a Difference?
  • Investor, Know Thyself: How Your Biases Can Affect Investment Decisions
  • Open Enrollment Season Is Here: Give Your Benefits a Check Up
  • Do I have to pay an additional tax on investment income?

October 2014pdf_icon

  • Prepare Now for a Year-End Investment Review
  • The Potential Pitfalls of DIY Estate Planning
  • Leaving Assets to Your Heirs: Income Tax Considerations
  • What factors could negatively impact my credit report?

September 2014pdf_icon

  • Quiz: How Much Do You Know about Social Security?
  • 10 Basic Tax To-Dos for the Rest of 2014
  • What is the Federal Reserve and What Does It Do?
  • I just learned that my credit- and debit-card information was part of a data breach.  What should I do?

August 2014pdf_icon

  • A View of Health Care from Around the World
  • Retirement Myths and Realities
  • How the Windsor Decision Affects Retirement Plans
  • Why are you paying more at the pump?

July 2014pdf_icon

  • Can You Make Some Green by Investing Green?
  • Charitable Gifts of Items You No Longer Need
  • Some Things to Consider about Gifts to Children
  • Have the rules for 401(k) in-plan Roth conversions changed?

June 2014 pdf_icon

  • Top 10 Tax Breaks You’ll Miss in 2014
  • Personal Finance Tips for New Graduates
  • Financial Choices: College, Retirement or Both
  • Are con artists adopting trendy twists on old scams?

May 2014pdf_icon

  • 15 Facts about Social Security
  • Tips for Traveling Abroad
  • Saving for the Future: Start Now or Start Later
  • My parents can’t manage alone anymore. What should I do?

April 2014 pdf_icon

  • The Fed’s Great Unwind and Your Portfolio
  • Spring Cleaning Your Debt
  • Saving through Your Retirement Plan at Work? Don’t Let these Five Risks Derail Your Progress
  • Is there a new way to calculate my  home office deduction?

March 2014 pdf_icon

  • What Baseball Can Teach You about Financial Planning
  • Business Owners: Don’t Neglect Your Own Retirement Plan
  • Home Staging: Getting Your Home Ready to Sell
  • Graph: The S&P 500 Month by Month in 2013

February 2014pdf_icon

  • The Frugal Habits of Millionaires
  • Married Filing Jointly or Separately? The Choice is Yours
  • Filing Your 2013 Income Tax Return
  • Are you ready to retire?

January 2014pdf_icon

  • The Impact of Health-Care Costs on Social Security
  • Bonds vs. Bond Funds: Which is Better When Interest Rates Rise?
  • Think Outside the Shoe Box When Organizing Financial Records
  • Is there anything I can do to lower my auto insurance bill?

December 2013pdf_icon

  • It’s December 31. Do You Know Where Your Money Is?
  • 529 Plans: College Savings Plans vs. Prepaid Tuition Plans
  • Should You Roll  Your 401(k)  to an IRA?
  • What will happen to my digital assets if I die or become incapacitated?

November 2013pdf_icon

  • 2013 Year-End Tax Planning Considerations
  • Buckets of Money: A Retirement Income Strategy
  • Paying for Long-Term Care Insurance with Tax-Free Funds
  • Is it true that my child can receive Social Security benefits based on my earnings record?

October 2013 pdf_icon

  • Plan Now for a Year End Investment Review
  • Stretch IRAs
  • Estate Planning and Income Tax Bais
  • Will interest rates rise this year?

September 2013 pdf_icon

  • Famous People Who Failed to Properly Plan
  • It’s Time to Review Your Life Insurance Needs
  • Is College Debt the Next Bubble?
  • What rate of return should I expect from stocks?

August 2013pdf_icon

  • When is Market Volatility Most Dangerous?
  • Should you Buy or Lease Your Next Vehicle?
  • Home Office Deduction Rules Get a Remodel
  • I recently incurred a significant amount of credit card debt.  How should I begin to pay it off?

July 2013pdf_icon

  • Mid-Year Planning: Accounting for New Tax Rules
  • What is a Unit Investment Trust
  • Portability of Applicable Exclusion Amount between Spouses
  • Will my homeowners insurance ploicy cover hurrican damage?

June 2013pdf_icon

  • Just How Risky is Your Portfolio
  • Coordinating Social Security Benefits with Other Retirement Assets
  • Understanding 401(k) Plan Fees and Other Expenses
  • What is a Payable On Death (POD) Account?

May 2013pdf_icon

  • Cost of Living Adjustments: What They Are and Why They Matter
  • Are you prepared if a Natural Disaster Strikes?
  • Four Retirement Savings Myths
  • What are Health Exchanges and do I have to buy health Insurance through them?

April 2013 pdf_icon

  • The American Taxpayer Relief Act of 2012
  • Understanding the New Medicare Tax on Unearned Income
  • Financial Tips for Obtaining a Mortgage Loan
  • I don’t think I will be able to file my tax return by April 15, is there anyway to file at a later date?

March 2013 pdf_icon

  • Making the Most of Your 401(k) Plan
  • The “SEPP” Exception to the IRA Premature Distribution Tax
  • Looking Backward and Forward on Entitlement Programs
  • How can my child get a better financial aid package?

February 2013 pdf_icon

  • Federal Income Tax Filing Season Is Here
  • Life Insurance Tax Traps for the Unwary
  • Questions and Answers about Social Security
  • I’m going on a cruise – do I need to purchase travel insurance?

January 2013 pdf_icon

  • High-Yield Bonds: The Pros and Cons
  • Real-life Financial Tips for Different Generations
  • Compounding Can Add Fuel to Your Portfolio
  • What Healthcare Provisions are Effective in 2013?

December 2012 pdf_icon

  • The Economics of Borrowing From Your 401(k)
  • Real Estate Investment Trusts (REITs)
  • Healthy Personal Finance Resolutions for the New Year
  • Should I Be Worried About Recent Municipal Bankruptcies?

November 2012 pdf_icon

  • On the Precipice: The “Fiscal Cliff”
  • Ways Grandparents Can Help with College Costs
  • Two Social Security Strategies for Married Couples
  • As a Business Owner, What Should I Know About Using Temporary Workers?

October 2012 pdf_icon

  • Year-End Investment Planning and the Fiscal Cliffhanger
  • Is Your 529 Plan Making the Grade?
  • Four Retirement Planning Mistakes to Avoid
  • Can I be Reimbursed From My Health-care FSA for Over-the-Counter Medications?

September 2012 pdf_icon

  • Breaking Down the Taxpaying Population: Where Do You Fit In?
  • The Investment Policy Statement: A Portfolio’s Road Map
  • Withdrawals from Traditional IRAs
  • Do I Have the Right Type of Life Insurance?

August 2012 pdf_icon

  • Speculating on the Future of the Federal Estate Tax
  • New 401(k) Plan Disclosure Rules
  • Stock Market Metrics: Playing the Numbers
  • What is a Structured Settlement?

July 2012 pdf_icon

  • Mid-Year Reality Check: Covering Your Bases in Uncertain Times
  • Ways Parents Can Help Their Boomerang Kids
  • Organizing Your Finances After Your Spouse Has Died
  • Is it True That Social Security Beneficiaries are Being Required to Receive Their Payments Electronically?

June 2012 pdf_icon

  • Market-Moving Indicators for Monitoring Europe
  • Four Things to Do in the Four Years Before College
  • Of Taxes Past, Present, and Future
  • What Happens to My Retirement Benefits if My Employer Goes Out of Business?

May 2012 pdf_icon

  • Hidden Taxes: What is Your True Cost?
  • Why Women Need Social Security
  • Pay Down Debt or Save and Invest?
  • What is Personal Liability Insurance and Do I Have It?

April 2012 pdf_icon

  • Election Year Tax Talk: Deciphering the Terminology
  • Inheriting an IRA – What You Need to Know
  • Investing in a Low Interest Rate Environment
  • Can I provide Annuity Payments to My Heirs After I Die?

March 2012 pdf_icon

  • Four Money Mistakes You Might Be Making
  • Seniors Are Often Targets of Scams
  • Women and Estate Planning
  • Can Reducing My Credit Card Debt Actually Lower My Credit Score?

February 2012 pdf_icon

  • Keeping Market Volatility in Perspective
  • 2011 Tax Season Considerations
  • Q&A on Filing the Federal Financial Aid Application
  • Is a Stop Limit the Same as a Stop Order?

January 2012 pdf_icon

  • Life Without Life Insurance
  • How Much Do You Know About Social Security?
  • Debt Payoff Strategies
  • Are Hobby Expenses Deductible?