Financial Planning Articles

A Financial Planner’s Guidance for Women on Planning for Retirement

November 2016 by Mary Jo Herseth
Consider the impact of each medical, financial and legal decision you have to make as well as your and your spouse’s vision for retirement. Read more »

The Art of Creating an Investment Policy Statement

November 2016 by Clark Blackman
An investment policy statement helps to guide your portfolio decisions by defining your strategy, expectations and evaluation criteria. Read more »

The Tax Advantages of Qualified Charitable Distributions From IRAs

October 2016 by William Reichenstein
Making charitable donations directly from an IRA can both reduce taxes and keep future Medicare premiums lower. Read more »

The Tax Advantages of Qualified Charitable Distributions From IRAs

October 2016 by Kirsten Cook
Making charitable donations directly from an IRA can both reduce taxes and keep future Medicare premiums lower. Read more »

The Tax Advantages of Qualified Charitable Distributions From IRAs

October 2016 by Harry Harelik
Making charitable donations directly from an IRA can both reduce taxes and keep future Medicare premiums lower. Read more »

12 Guidelines for Widows, and Suggestions for Husbands

October 2016 by Karen Altfest
Suggestions on how to avoid common mistakes and gain control of finances following (and even before) the death of a spouse. Read more »

What the Evolving Robo Advisory Industry Offers

October 2016 by Jaclyn McClellan
Acquisitions and new, large entrants have altered the competitive landscape, but robo-advisors continue to focus on providing low-cost portfolio management services. Read more »

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 »

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 »

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 »

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 »



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