The November issue of our newsletter is now available for viewing here:
More than taxes
When you first developed your estate strategy, your primary goal may have been to mitigate taxes. But there’s more to an effective estate strategy than taxes alone. An updated strategy can help provide financial protection for you and your loved ones and management for your assets when you can’t or don’t want to manage them yourself.
Keep the happy in your holidays
Shopping during the holidays doesn’t have to be stressful. Sticking to a budget, looking for bargains and watching out for scams can help you save money and reduce stress.
Secrets of successful investors
To be financially successful, you need to invest money on a regular basis. We offer some tips to help you invest more.
Give yourself the gift of lower taxes
Even though the year is quickly coming to a close, you still have time to reduce your income-tax liability for 2013. We list some ways you may be able to lower your tax bill.
Keep or toss?
You finally cleaned out your filing cabinet and have a pile of old tax documents ready for the shredder. Not so fast. If the documents support items shown on your return and the period of limitations for that return hasn’t run out, the IRS requires that you keep them.
By the numbers: average monthly spending
In which month do you think Americans spend the most on average? Here’s a look at the highest and lowest months for spending according to a Gallup poll.
Talking term insurance
With various options to choose from, buying the right type of life insurance can seem like a daunting task. If you want an affordable option that provides coverage for a set period of time, term life insurance may be what you’re looking for.
Tips for year-end charitable giving
With the holiday season upon us, you may be thinking about sharing your good fortune with others by giving to charity. We offer some tips to help you maximize the tax benefits from your donations.
Retirement hopes versus reality
Like most Americans, you probably hope you’ll have enough money to live on in retirement. But your hopes for your future may be very different than reality. There are several steps you can take to help make your retirement more secure.
Spousal IRA one-two punch
Investing for retirement can be hard for a stay-at-home spouse. But even when one spouse does not have access to an employer-sponsored retirement plan, there is another investing option worth considering: a spousal individual retirement account.
Prioritize your protection
Are you one of those people who thinks only the elderly need long-term care protection? Think again. Anyone can suffer a disability that could require long-term care services. Taking the time now to assess your possible long-term care needs, along with your disability income and life insurance needs, can help ensure your family’s financial security is protected.
A year-end checkup for small businesses
An annual financial review can help keep your business healthy and growing. As part of your review, make sure your business has the insurance coverage it needs.
Put your plan on autopilot
Setting money aside for retirement is important. Unfortunately, not all your employees may think so. To raise your company retirement plan’s participation rate, you might want to consider introducing an automatic enrollment feature.
Find out if you’re still in the zone
Have your investing goals changed over the past year? If they have, then now is a good time to review your investment strategy to determine whether it’s still appropriate for your other goals and time frame.
Got money for retirement?
Women have a harder time accumulating money for retirement than men. Why? They tend to live longer, typically earn less and may take time out from the work force for caregiving. But don’t let those factors fool you into thinking you can’t have a financially secure future. We list some steps women can take to improve their finances in retirement.