Tax-Efficient Investing Through Asset Location

By strategically placing investments in a particular type of account, an investor may potentially decrease taxes owed this year, in retirement and throughout a lifetime.
> Read research paper.

Top Five Year-end Tax Planning Tips

With the end of the year fast approaching, put aside some time to plan your year-end strategies to minimize your 2014 tax liability. Here’s a top-five list of savvy tax-planning tactics that might apply to you. [Read more...]

Selecting Mutual Funds for Performance

Specific quantifiable factors, such as net expense ratios, historical performance and risk management, can help an investor evaluate the probability of high performance. > Read research paper.

Determining Your Sustainable Withdrawal Rate

Are you concerned about outliving your retirement portfolios? That nest egg may have to fund a retirement lasting 30 years or more, which makes calculating a safe withdrawal rate very important. Withdraw too much and you risk running out of money early. Withdraw too little and you may deprive yourself unnecessarily of the retirement lifestyle you desire. [Read more...]

Patience: A Virtue In Life and Investing

Market volatility can be frightening. Even the possibility of volatility scares some investors. Anxiety is a natural reaction to the hyperbolic headlines calling for the next major market downturn due to the latest world conflict or catastrophe. The important thing to remember is that the primary goal of your portfolio is long-term returns. Shift your focus away from short-term performance and readjust your sights on the big picture instead. Patience will win in the end. [Read more...]

The Future of Social Security: An FAQ

If you’re concerned about the sustainability of Social Security, you’re not alone. Those who are far from retirement may wonder if Social Security benefits will be there for them at all. And, many people who are close to retirement or already retired are concerned about their benefits being cut when they need them most. But the reality may be less drastic than either of these scenarios. [Read more...]

Investment Insights Webcast

Alarming headlines warn that a market correction is coming. Is there merit to their argument? Watch the 15-minute recorded webcast held October 9 for a clear picture of the current state of the market. > Watch webcast.

Long Term Care Insurance: A Primer

Most health insurance plans — including Medicare — don’t cover custodial care, the type of care that people most often need when they’re unable to live independently. Custodial care provides assistance to do everyday things such as bathing, getting dressed, eating and using the bathroom. [Read more...]

Get Your Business Ducks In A Row

Business ownership can be very rewarding — but it can also be risky. If you’re an entrepreneur pursuing your dreams and forging your own success, it’s important to put some safeguards in place to ensure that your business doesn’t upend your personal financial plan. [Read more...]

Help Your Child Choose A Lucrative Career

Last year, a record 21.8 million students attended American colleges and universities, according to the Institute of Education Sciences. Incoming freshmen will take general courses at first, but will soon be expected to declare a major. Choosing a major greatly affects a student’s future career opportunities and earning ability. If you’re sending a child or grandchild to college this year, be sure they understand the importance of their decision. [Read more...]