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Forty-three percent of Americans spent more time planning their most recent vacation than planning for their retirement.1
1 AARP, 2008

Will you outlive your retirement income?  How much liability insurance should you have? Should you add stocks to your portfolio?  Are your financial expectations for the coming year realistic?

Our financial newsletters are designed to provide helpful information on a wide variety of financial topics.  Simply click on one of the newsletter topics below to read the article in its entirety.

Before implementing any strategy discussed herein, you should consult with your own financial, tax, and/or legal advisors to determine its applicability in light of your own situation.

Most insurance policies and annuity contracts contain exclusions, limitations, reductions of benefits, surrender charges and terms for keeping them in force. Your representative can provide you with costs and complete details.

The information contained in this article is not intended to (and cannot) be used by anyone to avoid IRS penalties. These articles supports the promotion and marketing of this [life insurance, annuity, long term care, disability, pension, etc. You should seek advice based on your particular circumstances from an independent tax advisor.

  • January

    Are Target-Date Funds Off Target?
    Target-date funds are not for everyone, so it's important to gather all the facts.

    The Benefits of Social Security
    Take this quiz to assess how much you know about Social Security benefits.

    Love and Marriage and Retirement
    More than 80% of married couples 45 to 72 say they don't agree on when they should retire, what their retirement lifestyle should look like, or whether they will work in retirement.

    Beware the Better-Than-Average Effect
    Economists have found that, on average, people tend to believe that their own lives are improving at a faster rate than most everyone else's.

    When Tea Leaves Won't Do
    Economic indicators can be a good source of clues about trends, but it takes experience and skill to interpret their meaning.

  • November

    Home Equanimity
    The contraction of the housing market has caused many people to take a second look at the way they view their homes.

    The Measure of a Life
    One way to help mitigate the financial blow of the loss of a head of household is through life insurance.

    Playing Catch-Up with Contributions
    Something as simple as increasing your contributions to tax-advantaged retirement programs can go a long way toward helping you pursue your long-term financial goals.

  • October

    Fixed Annuities May Offer Stability
    A source of guaranteed income may help remove some of the uncertainty associated with retiring when the financial markets are fluctuating.

  • September

    A New Way to Diversify
    Exchange-traded funds are unique investments that resemble mutual funds in some ways and behave like stock in other ways.

    One Final Letter
    A letter of instructions can help someone clearly state his or her preferences for many important issues such as organ donation, funeral arrangements, and other details not enumerated in a trust.

    Variable Annuities Add Guarantees
    Investors who would rather not choose between a guaranteed income and above-average investment gains may want to consider variable annuities with living benefit guarantees.