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Insight And Resources To Help You

Achieve Enhanced Wealth Creation And Protection.

Beyond Conventional Financial Blog

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Relationship Tips for Coping with Disability Income Loss

The well-known marriage vow is, “‘Til death do us part,” but fatalities aren’t the only things in life that could possibly drive a relationship apart. You could suddenly find yourself caring for your spouse emotionally and financially after an unexpected injury or illness. The physical, financial and psychological stresses of being unable to work can be taxing for the healthy spouse in many ways. Unfortunately, you can’t consult a crystal ball and be clued in on all the good and bad that will happen in the future, but you can be prepared in the event of everything in between “‘Til death do us part,” and “‘Til your spouse gets hurt or sick and can no longer do his or her job.”

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What Does a Healthy Relationship with Money Look Like?

Everyone benefits from having a strong financial role model. But examples of good money behavior can be hard to find, particularly for people raised in families where money was never discussed. Without seeing healthy relationships with money, however, people can get stuck in their own detrimental habits, such as overspending and undersaving. Plus, it’s hard to envision a long-term financial plan without someone illuminating the road ahead. For those wanting to build a better financial life, the Guardian Study of Financial and Emotional Confidence TM offers inspiration. The 2021 study surveyed over 5,000 full and part-time American workers with median household incomes of $112,000. Over the course of the study, four different financial profiles emerged: Day-to-Day Decision-Makers, Retirement Realists, Ambitious Spenders, and Confident Planners. There’s a broad range of financial habits among these four groups, and when it comes to model behaviors to emulate, the Ambitious Spenders and the Confident Planners lead the way. Here’s why.

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How New Workers Can Build Financial Independence

The key to a successful career launch is to begin with a solid financial foundation. If you or someone you love is a new graduate or a young person at the beginning of their career, this might seem easier said than done. Setting goals, negotiating for a position, or figuring out your desired salary range involves more than taking the first offer that comes your way. But these are important considerations to start your career off right.

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Grief and Finances: Communication to Financial Preparedness

The unpredictability of life can sometimes leave us feeling overwhelmed with grief. For some, that may be a monetary change brought about by the loss of a job or significant financial setback. While others may deal with the loss of a spouse or family member—which, according to the Holmes-Rahe Life Stress Inventory is one of the most stressful events you can experience in a lifetime.¹ No matter what the reason for is for your grief, we understand that it hurts. Grief is not a one-size fits all emotion, nor does it look the same for everyone. Being prepared financially can allow you, or your loved ones, to focus on the process of grieving without having to focus on major financial decisions.

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4 Things to Consider While You’re Planning When to Retire

As the decision to retire approaches, you’ll find the choice of when to retire is rarely black and white. Retirement- as you define it- is a personal blend of lifestyle expectations, health and financial confidence. According to the US Department of Labor, fewer than half of Americans have an estimate of how much they need with their retirement savings.1 That’s a scary fact considering the average American will spend 20 years or more in retirement. The US Department of Labor also estimates 30% of private industry workers who have access to a defined contribution plan (such as a 401(k) company plan) don’t participate.2 But you can be better than that. Asking the right questions about retirement will help you gauge your preparedness to know when you’ll be ready for retirement living.

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Money Matters: Why it Pays to be Financially Responsible

Responsible money management is often a foreign concept to teens that is complicated and confusing. Yet, if they learn how to save and be financially responsible early, they can protect themselves in the future. To empower teens to get the best start possible, here’s a closer look at how to explain financial responsibility to them and four key strategies they can start practicing right now.

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Retirement Considerations in Your 60s

Welcome to your 60s – the time in your life when retirement is less a far-off dream and more an immediate reality. Immediacy is a decision that’s completely up to you. According to the Employee Benefit Research Institute (EBRI), in 2021 39% of all workers expect to retire at age 66 or older. As you enter your 60s, what shapes your retirement decision? What constitutes a strategic retirement plan? Here are four things to consider.

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Quickstart Guide to Estate Planning Terms

Financial professionals can bring a lot of clarity and support to the estate planning process, and they can help you develop the optimal plan for your specific circumstances. To jump start the conversation, here’s a quickstart guide to estate planning terms, along with a few questions to ask.

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