Newsletters

January

• HOT TOPIC: Revisiting the 4% Rule

  For years, the “4% rule” helped retirees make their savings last, but now a more aggressive withdrawal strategy might be the new norm.

• Five Tips to Regain Your Retirement Savings Focus in 2021

  This article presents five steps that could help focus and enhance a retirement savings strategy in 2021.

• Money Market Funds in a Low Rate Environment

  Did you know there still may be reasons to hold money market mutual funds despite low yields? Read this article to find out more.

• Prepare Your Finances for the Next Emergency

  The pandemic has underscored the importance of a well-stocked emergency fund. This article offers tips for building up a cash reserve.

• Gift vs. Inheritance: Consider the Tax Difference

  When deciding whether to gift assets now or transfer them to heirs at death, you need to understand step-up in basis and tax consequences.

• Take Advantage of Deductions for Business Investments

  A look at bonus depreciation and Section 179, plus CARES Act changes that may benefit companies that reconfigured spaces for safety reasons.

December

• Should You Pay Off Student Loans Early or Save More for Retirement?

  Wondering whether you should pay off student loan debt today or save for the future? Here are some considerations to help make the decision.

November

• Five Investment Tasks to Tackle by Year-End

  2020 market turbulence underscores the importance of reviewing an investment portfolio. These five steps could help keep it on track.

October

• Business Cycle Basics: Recessions Begin and End Before We Know It

  This article discusses how economists identify and measure economic contractions and compares some characteristics of past recessions.

September

• HOT TOPIC: The Bull Is Back... Will It Keep Charging?

  The S&P 500 index recently saw the fastest recovery in its history following the COVID-19 bear market, but will the surge continue?

August

• Consider a Roth Conversion for Tax-Free Income

  Lower tax rates and asset values may make now the time to consider a Roth conversion. This article outlines the rules and potential benefits.

July

• Four Questions on the Roth Five-Year Rule

  This article provides an overview of two versions of the Roth five-year rule and how they apply to various situations.

June

• Will vs. Trust: Know the Difference

  Wills and trusts can each help in the distribution of assets at death. This article points out important differences between the two.

May

• Keeping Cool: Investment Strategy vs. Reaction

  This article offers ideas to help investors focus on strategic decisions rather than react emotionally to the latest market news or movements.

April

• Setting a Retirement Savings Goal

  This article features a worksheet to help you estimate the savings you might need to generate your desired retirement income.

March

• Stay-at-Home Spouse? Consider a Spousal IRA

  Stay-at-home spouses can fall behind in saving for retirement. This article explains how a spousal IRA can help keep retirement savings on track.

February

• Retirement Savings: Traditional, Roth, or Both?

  How does a traditional or Roth structure affect your IRA or employer-sponsored retirement plan? And what do their differences mean for older workers?