Financial Planning Articles

Life After a Loss: 6 Smart Steps for Coping With Widowhood

July 2016 by Karen Altfest
Guidance on which steps should be taken within few months of a spouse’s passing and which steps can and should be postponed. Read more »

IRA Rollover Chart: Rules Regarding Rollovers and Conversions

July 2016 by Charles Rotblut
A helpful chart showing what types of retirement accounts can be rolled over or converted into another type of retirement account. Read more »

The Labor Department’s Fiduciary Rule for Retirement Accounts

May 2016 by Charles Rotblut
The new rule requires that financial professionals put their clients’ interests first, but investors should not let their guard down. Read more »

Steps to Smoothly Transfer Control of Your Family’s Finances

May 2016 by Douglas McCormick
Succession planning is one of the most the important actions to ensure your family thrives from a financial standpoint for many generations. Read more »

Assessing Your Life Insurer’s Financial Performance

April 2016 by Brian Fechtel
The value of a policy depends on the financial performance of an insurer, which can be assessed by analyzing its financial statements. Read more »

The Changes to Social Security Claiming Strategies

January 2016 by Charles Rotblut
Couples will no longer be able to use file and suspend and restricted applications, increasing the importance of considering each spouse’s longevity. Read more »

Why Your Financial Adviser Should Be a Fiduciary

November 2015 by Larry Stein
The fiduciary standard requires that the interest of the client be put first, making it stricter than the suitability standard. Read more »

When It’s Time to Transfer Financial Decision-Making

September 2015 by Robert Johnson
Failing to plan for a transfer of financial responsibilities can undo years of careful plans. Actionable steps to protect you and your heirs. Read more »

When It’s Time to Transfer Financial Decision-Making

September 2015 by David Littell
Failing to plan for a transfer of financial responsibilities can undo years of careful plans. Actionable steps to protect you and your heirs. Read more »

Creating and Following a Real Financial Plan

August 2015 by Carl Richards
Understanding why money is important can create a framework for making better financial decisions in the future. Read more »

Using Annuities for Long-Term Health Care

July 2015 by Stan Haithcock
Long-term care annuities, confinement care raiders and Medicare-compliant annuities can help cover the costs of long-term care. Read more »

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 »



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