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Insight And Resources To Help You

Achieve Enhanced Wealth Creation And Protection.

Beyond Conventional Financial Blog

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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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Retirement Myths for Women

The number of men and women in the United States appears to be approximately equal . . . at first glance. Women walk a different path than men, and a much longer one. After the age of 40, women outnumber men in every age cohort. At age 65, there are twice as many women as men.1 Given varied roles throughout their lifetime and a changing career path, women need to take charge of their own retirement planning. Here are three myths women face, and the retirement planning realities.

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The Pros and Cons of 529 College Savings Plans

If you are like most Americans, meeting the future financial obligation of sending your child to college requires years of disciplined saving and intelligent investing. One strategy for accumulating the necessary funds to pay for college is through a 529 college savings plan. But, is it the right approach?

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Financial Fixes: Beware of Market Bubbles

Through the lens of history, we know this was an early market bubble, and as the saying attributed to George Santayana promises, “Those who cannot learn from history are doomed to repeat it.” Yet people continue to lose money on the next big thing with every business cycle, from subprime bubbles, to tech bubbles, to housing bubbles.

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Beyond the Breadwinner: Is Your Household Protected?

Do you think of your spouse or life partner as your “better half”? If so, you know that your relationship is more than just two people meeting halfway. In a life partnership — and in the family that grows from it — the whole becomes greater than the sum of its parts. One spouse may go out into the world and earn a paycheck, while the other stays home and keeps the household running. Each person has an important role separately; but together, they create a family and a home. If either spouse were suddenly unable to contribute, the entire family would suffer.

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