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Retiring Earlier Than Expected? What To Know
By Marilyn Evans About 56 percent of workers aged 50 and over have faced some sort of unplanned departure from work for various reasons, ranging from health issues or caring for an infirm relative to redundancy. Read more about how to face the future when this...
Insurance Needs Assessment: For Empty Nesters and Retirees
By Marilyn Evans One area where financial planners help clients is with their insurance. And insurance needs change over time. If you’re an empty nester, or a retiree, it may be time to review what your insurance covers, and when. With the children now out of the...
Healthcare Costs in Retirement
By Marilyn Evans A retired household faces three types of healthcare expenses, and it’s important to know what they are. After all, the more you know, the more accurately you can prepare. In a 2022 survey, 35% of all workers reported they were either “not too” or “not...
Choices for Your 401(k) at a Former Employer
By Marilyn Evans If you leave a job where you had a 401(k), you have four choices with what to do with it. Want to know what they are? One of the common threads of a mobile workforce is that many individuals who leave their job are faced with a decision about what to...
Five Most Overlooked Tax Deductions
By Marilyn Evans Who among us wants to pay the IRS more taxes than we have to? While few may raise their hands, Americans regularly overpay because they fail to take tax deductions for which they are eligible. Let's take a quick look at the five most overlooked...
Traditional vs. Roth IRA
By Marilyn Evans Here’s a question we get a lot – what the heck is the difference between a traditional and a Roth IRA. This is a simple explanation. Traditional Individual Retirement Accounts (IRA), which were created in 1974, are owned by roughly 36.6 million U.S....
New Retirement Contribution Limits for 2023
By Marilyn Evans The Internal Revenue Service (IRS) has released new limits for certain retirement accounts for the coming year. After months of high inflation and financial uncertainty, some of these cost-of-living-based adjustments have reached near-record levels....
Conquering Retirement Challenges for Women
By Marilyn Evans When it comes to retirement, women may face unique obstacles that can make saving for retirement more challenging. Given that women typically live longer than men, retirement money for women may need to stretch even further.1 Despite these challenges,...
Retirement Is a Beginning
By Marilyn Evans How do you know you are psychologically ready to retire? As a start, ask yourself four questions. One, is your work meaningful? If it is emotionally and psychologically fulfilling, if it gives you a strong sense of purpose and identity, then there may...
What Can You Buy With 529 Distributions?
By Marilyn Evans Some of the biggest challenges many face when it comes to education are financial. Luckily, a 529 college saving plan can help. And they're not just for college anymore - added to the tuition eligibility are K-12, private and religious schools. These...
Understanding Extended Care
By Marilyn Evans Addressing the potential risks of extended term care expenses may be one of the biggest financial challenges for individuals who are developing a retirement strategy. The U.S. Department of Health and Human Services estimates that 70% of people over...
Choices for Your 401(k) at a Former Employer
By Marilyn Evans Have a 401K with a former employer? There are three choices you can make. One of the common threads of a mobile workforce is that many individuals who leave their job are faced with a decision about what to do with their 401(k) account.¹ Individuals...
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