Financial Planning Articles

What Exactly Do Online Investment Advisory Services Offer?

January 2015 by Jaclyn McClellan
In contrast with the moniker of “robo-adviser,” online advisory services vary in the features they offer and how they interact with clients. Read more »

Social Security: Delay Benefits at the Expense of Personal Savings?

December 2014 by Marty Allenbaugh
By strategically choosing when and how to claim Social Security benefits, singles, divorced individuals and married couples can optimize their retirement income. Read more »

Avoid the Top 10 Mistakes Made With Beneficiary Designations

November 2014 by John Horn
These 10 mistakes can derail well-intentioned estate plans and result in unintended consequences for your estate and your heirs. Read more »

Avoid the Top 10 Mistakes Made With Beneficiary Designations

November 2014 by Dera Johnsen-Tracy
These 10 mistakes can derail well-intentioned estate plans and result in unintended consequences for your estate and your heirs. Read more »

Misunderstanding Variable Universal Life Can Lead to Adverse Consequences

October 2014 by Peter Katt
Bad market conditions can cause the cash value of these policies to be much lower than forecast. Find out how to best use these policies. Read more »

Retirement Planning: Focus First on Covering Fixed Expenses

September 2014 by Michael Falk
Once all fixed costs have been immunized, withdrawal rates no longer matter as any additional retirement assets can be used for discretionary spending. Read more »

The Right Type of Life Insurance for Your Estate Planning Needs

July 2014 by Peter Katt
Life insurance works well for estate planning because of when benefits are paid and the ability to create wealth for heirs outside of the estate. Read more »

From Saver to Spender: Managing Your Money in Retirement

May 2014 by Carrie Schwab-Pomerantz
Following these nine guidelines can help reduce your financial stress and increase the odds of enjoying a successful retirement. Read more »

A More Dynamic Approach to Retirement Spending

April 2014 by Colleen Jaconetti
Establishing a “ceiling and floor” for portfolio withdrawal rates keeps spending relatively consistent, while remaining responsive to market conditions. Read more »

A More Dynamic Approach to Retirement Spending

April 2014 by Francis Kinniry
Establishing a “ceiling and floor” for portfolio withdrawal rates keeps spending relatively consistent, while remaining responsive to market conditions. Read more »

A More Dynamic Approach to Retirement Spending

April 2014 by Michael DiJoseph
Establishing a “ceiling and floor” for portfolio withdrawal rates keeps spending relatively consistent, while remaining responsive to market conditions. Read more »

Social Security Strategies for Couples

December 2013 by William Reichenstein
By understanding the complexities and making smart claiming decisions, couples can add more to their lifetime benefits than singles can. Read more »

Social Security Strategies for Couples

December 2013 by William Meyer
By understanding the complexities and making smart claiming decisions, couples can add more to their lifetime benefits than singles can. Read more »

Social Security Strategies for Singles

November 2013 by William Reichenstein
The optimal age for a single individual claiming benefits depends on life expectancy and the need to extend a retirement portfolio’s longevity. Read more »

Social Security Strategies for Singles

November 2013 by William Meyer
The optimal age for a single individual claiming benefits depends on life expectancy and the need to extend a retirement portfolio’s longevity. Read more »

Social Security Basics

October 2013 by William Reichenstein
In this first article of a new three-part series, the impact of a worker’s retirement age on Social Security benefits is explained. Read more »

Social Security Basics

October 2013 by William Meyer
In this first article of a new three-part series, the impact of a worker’s retirement age on Social Security benefits is explained. Read more »

Five Steps for Gaining Control of Your Investments and Avoiding Mistakes

March 2013 by Carl Richards
Simple actions you can take now to focus on the things you can control and avoid making common investment mistakes. Read more »

Lump Sum or Annuity: Which Should You Choose at Retirement?

December 2012 by Rande Spiegelman
An annuity is attractive if you expect to live beyond normal life expectancy, but a lump sum may be better if you have other sources of income. Read more »

Retirement Withdrawals: Can You Base Them on RMDs?

December 2012 by Wei Sun
The IRS’s required minimum distributions are easy to follow and with a little modification can set the basis for a more optimal withdrawal strategy. Read more »

Retirement Withdrawals: Can You Base Them on RMDs?

December 2012 by Anthony Webb
The IRS’s required minimum distributions are easy to follow and with a little modification can set the basis for a more optimal withdrawal strategy. Read more »

Behavioral Errors Hurt Your Returns

July 2012 by Daniel Kahneman
Individual investors hurt their performance by buying and selling too often, picking the wrong securities to trade, and being overconfident. Read more »

Finding the Right Withdrawal Rate: One Key to Portfolio Sustainability

July 2012 by Maria Scott
A proper withdrawal approach ensures your retirement savings last, and allows you to separate your allocation decisions from your income needs. Read more »

Dishonesty, Choices and Investing

June 2012 by Charles Rotblut
The financial industry’s bad incentive structure leads to higher costs, but investors can counteract dishonesty simply by asking direct questions. Read more »



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