Categories

Estate Planning

8 Year-End Strategies for Retirement Savers by Kathleen Marteney CRPC®

Posted November 13, 2019

Thanksgiving is just ahead and another year is quickly coming to an end, leaving investors with a limited amount of time to maximize their retirement savings in the most tax-efficient manner. Following are some steps to consider taking before Dec. 31. Max out your contribution to a workplace 401(k) retirement plan. For 2019, the maximum […]

Staggered Retirement Requires Married Couples to Plan Carefully by Lee F. Hediger

Posted November 6, 2019

Spouses saving for an eventual retirement during their working years often have different timelines for leaving the corporate world behind. While a difference in retirement dates essentially eliminates one income stream and helps couples ease slowly into their golden years, careful advance planning can go a long way to ensuring their financial goals stay on […]

6 Habits to Adopt Now to Help Ensure a Successful Retirement Later by Lee F. Hediger

Posted October 9, 2019

Good habits are important steps on the road to achieving desired goals. Want to get in shape? Establish healthy eating habits and a regular exercise schedule. Looking to play an instrument? Get in the habit of practicing regularly. The road to success is paved with positive behaviors and lifestyle choices. Retirement is no different. Following […]

What is Probate? by Lee F. Hediger

Posted September 30, 2019

Probate refers to the legal process of settling an individual’s estate and distributing his or her property and assets to heirs and other named beneficiaries after he or she passes away. If a person dies with a will, the court will generally follow the directions the decedent’s outlined for distributing assets and naming guardians for […]

Families without Children Need Estate Planning Too by Brendan T. Hayes

Posted August 29, 2019

The once idealized picture-perfect family of two parents and two-and-a-half children has faded, as a growing number of married couples choose to live child-free. According to the U.S. Census Bureau, the number of married couples without children has doubled over the past 45 years and is expected to continue on an upward trend.  Despite the absence […]

It is Time for a Mid-Year Financial Checkup UPDATED 2019 by Scott Montgomery, CLU, ChFC

Posted August 21, 2019

Mitigating investment risk and preparing portfolios and estate plans for an uncertain future requires investors to meet with their financial advisers on a regular basis, and especially mid-year, to ensure that long-term plans remain on track. Here’s a checklist of topics to consider: Are my investments still aligned with my long-term goals? Whether saving for […]

Avoid the Problems that Can Come with Cosigning Loans by Kathleen Marteney, CRPC

Posted August 7, 2019

Cosigning a loan for a friend or family member can spell financial disaster and ruin an otherwise healthy relationship. While it is not unusual for parents to cosign for a child’s student loans, car loans or even a mortgage, doing so can damage parents’ credit scores and leave them liable for paying off the entire […]

Best Interest Rule Falls Short of Protecting Investors Best Interests by Todd A. Moll, CFP, CFA

Posted July 18, 2019

The SEC recently adopted a new Regulation Best Interest (Reg BI) standard code of conduct for stockbrokers and broker-dealers to follow when providing consumers with financial advice and investment recommendations. Unfortunately, the new rules do not go far enough to legally and morally bind brokers and their firms to the more rigorous fiduciary standard required […]

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