The shift from saving for retirement to spending in retirement requires judicious preparation and a fundamental change in mindset. Giving yourself ample time to plan can make the transition a smoother one. [Read more...]
According to the College Board, the average cost for tuition and fees for one year of schooling at a four-year public college in 2013–2014 was $8,893, and for private colleges, it was $30,094. The steep price tag of higher education is leaving many graduates with debt the size of a small mortgage. You and your children can avoid that burden by saving early, planning ahead and evaluating all financing options. [Read more...]
Positive economic indicators in October are restrained by the government shutdown, still unresolved debt ceiling and more. > Read the details in our monthly economic analysis.
Financial planning can be complicated for unmarried couples, because they lack many of the legal advantages enjoyed by people who are married. By taking extra steps and seeking expert advice, you and your partner can progress confidently toward a secure financial future. [Read more...]
Estate planning often centers on what happens to your estate after you die, but making gifts during your lifetime can provide timely assistance to the recipient and tax benefits to you. The process can be as simple as giving cash outright or as complex as transferring ownership of a business. Let’s take a high-level look at the benefits, strategies and caveats involved in lifetime gifting. [Read more...]
As 2013 comes to a close, there is still time to plan your year-end strategies for minimizing your 2013 tax liability. Let’s consider some savvy tax-planning tactics that might apply to you. [Read more...]
Signs are pointing up for the U.S. economy and Europe finally emerged from its recession, but conflicts in the Middle East may cause uncertainty.
> Read the details in our monthly economic analysis.
StanCorp Investment Advisers held a conference call October 10 to share our views on economic trends and current events. > Listen To Recording
In our latest paper, we examine an uncommon approach to optimizing income in retirement.
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