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Most Americans spend more time planning for vacations and holidays than planning for their retirement.1
1 Employee Benefit Research Insitute, 2007

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.

  • August

    The Long Road Ahead
    The stock market has had its share of roller-coaster thrills lately, but don’t be tempted to react emotionally.

    Note to Self: Check Beneficiary Designations
    Outdated beneficiary forms have the potential to cause needless grief and hardship for surviving loved ones who are your intended heirs.

    Quick Facts - August 2009
    Information about Retirement, Long Term Care and the Mature Markets

  • July

    Get Your Retirement Reality Check
    A retirement needs-calculation goes beyond the commonly suggested target to have 70% of pre-retirement income.

    It's Not Too Late to Consider Life Insurance
    Results from one survey suggest that confidence in financial security tends to increase as life insurance coverage increases.

    Good Care Begins Early
    Ironically, people who avoid important discussions because they don’t want to be a burden are sowing seeds for even greater troubles because they are forestalling preparation and ignoring the risks associated with aging, possibly until it’s too late.

  • June

    Estate of Emergency?
    To help ensure that an estate is distributed according to one's wishes, it’s important to have certain legal documents in place.

    It's Time to Get Real
    During times of market volatility, it can be easy for investors to lose sight of two seemingly immovable obstacles standing in the way of their long-term investment goals: taxes and inflation.

    Inflation Goes to College
    Over the past 10 years, tuition and fees have grown more than 4% faster than the rate of general inflation at public four-year colleges and more than 2% faster than inflation at private four-year colleges.

    The Positives of Negative Correlation
    Few asset groups are perfectly negatively correlated, but a portfolio may still be able to benefit from the correlation principle.

  • May

    Celebrate Life and the Benefits of Insuring It
    In addition to the protection it can bring, life insurance can also offer some tax benefits.

    A Question of Identity
    Not only is identity theft costly, it can also be a major hassle that affects a person’s credit score for years. The key to preventing ID theft is awareness.

  • February

    Doing Fine in '09?
    Considering the market volatility over the past few months, will we see an improvement in 2009 economic conditions?

    Variables You Can Count On
    One way to pursue gains in the stock market while also limiting downside risks is through the use of living benefit guarantees that are offered with some variable annuities (for an additional cost).