Offering Life Insurance as an Employee Benefit
Making life insurance part of an employee benefit program could be a cost-effective way to recruit and retain valuable employees.
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Which are the most tax-advantaged ways to save for kids’ college costs? Will your income stream last through retirement? Is your investment portfolio aligned with the economic and market outlook?
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 an article in its entirety.
Offering Life Insurance as an Employee Benefit
Making life insurance part of an employee benefit program could be a cost-effective way to recruit and retain valuable employees.
July
Previous Newsletters
July
HOT TOPIC: Volatility Puts Tech Sector in the Spotlight
What can go wrong when investors chase performance and/or have a portfolio overly concentrated in one sector.
When a Saver Marries a Spender, Every Penny Counts
Guidelines to help facilitate financial discussions between spouses who have different points of view on spending.
Surprise! It’s Retirement Time
Consider these tips to prepare for the possibility that you might retire earlier than planned.
Interested in Interest Rates?
With interest rates expected to keep rising here is a short quiz to test one’s interest rate knowledge.
Anticipating Inflation?
One way to help protect a bond portfolio from a potential spike in inflation is by investing in Treasury inflation-protected securities.
June
Investing in Your Values
Investing based on principles of sustainable, responsible, and impact could have a positive social outcome.
Do You Need Disability Insurance
An individual disability income policy could provide much-needed income in the event of an accident or illness.
Student Loans Meet Retirement
Considering a higher-education loan for yourself or others? Here are some factors older adults should keep in mind.
Indexed Annuities
The benefits and risks of indexed annuities, including ways in which return rates are calculated.
The Pros and Cons of Financing Options
Common types of financing that might be available to help small businesses expand or cover operating expenses.
HOT TOPIC — Full Employment: What Happens Now?
The current employment picture and why the labor force may continue to hold back the U.S. economy.
May
Mutual Benefits: Funds to Pursue Your Goals
An overview of nine different types of mutual funds, ranging from lower risk to higher risk.
The State of Social Security
The current state of the Social Security program and possible solutions to address the program's projected shortfall.
Use Sense with Student Loans
Some guidelines before taking on student loan debt including steps students have taken to make college more affordable.
Advance Medical and Legal Directives
Expressing your wishes in advance could help loved ones feel more confident making medical or legal decisions.
Consider Taxation When Setting Compensation
The tax considerations involved in setting a small-business owner’s compensation.
HOT TOPIC: Robos Have Arrived, But Life Often Calls for a Human Touch
Understanding what robo advisors do, how they do it, and their limitations versus what a human advisor can offer.
April
Are UITs for You?
How unit investment trusts operate and potential investment risks.
Is It Wise to Trade Your Pension for a Lump Sum?
The pros and cons of keeping a pension versus accepting a lump-sum payout.
Factor-Based Investing
How smart-beta mutual funds and ETFs are constructed and the role they may play in an investor’s portfolio.
Real Estate Markets on the Mend
The U.S. tax code favors real estate ownership, allowing for tax savings that might help families build wealth over the long term.
Cash Balance Plans Can Help Supercharge Retirement Savings
Generous contribution limits for cash balance plans can help high-income business owners maximize retirement savings.
March
Tax Breaks for College Costs
Three federal tax provisions can help ease the financial strain of paying for rising college costs.
What Is the Roth IRA Five-Year Rule?
There are two separate five-year holding requirements that may affect the tax treatment of Roth IRA distributions.
Chasing Performance vs. Diversification
While chasing performance can lead to disappointing returns, diversifying investments may help manage risk.
Tax Tips on Capital Gains
Tax season is an opportunity to look at the tax implications of investment strategies and plan for the year ahead.
LLCs: Hybrid Structure May Offer Best of Both Worlds
A look at the distinctions between LLCs, partnerships, and sole proprietorships.
HOT TOPIC: Automating the American Workforce
What current trends in workforce automation could mean for U.S. workers, industries, and the broader economy.
February
Options for Inherited IRAs
Here is an overview of IRA distribution rules and options for surviving spouses and nonspouse beneficiaries.
How Long Should You Keep Financial Records?
The beginning of the year is a great time to organize records and discard old documents to make room for new ones.
Why Hold Money Market Mutual Funds?
Why investors still hold money market mutual funds despite low returns.
Settling an Estate
Settling an estate can be a difficult and time-consuming job as there are some specific duties that often fall on an executor.
Disaster Insurance Can Help Your Company Stay Afloat
It's important to identify the potential risks that threaten your business, create a disaster plan, and obtain adequate insurance.
HOT TOPIC — Business Tax Breaks: Impact on Earnings and the Economy
An overview of the tax changes affecting corporations and pass-through businesses and the potential implications for GDP growth.
January
International Investing: Opportunities Overseas?
Investing in emerging markets and developing economies has both risks and opportunities.
An Introduction to Trusts
A properly constructed trust can serve many purposes for families — and not just for the wealthy.
Keeping Savings on Track with a Spousal IRA
IRS rules allow a working spouse to contribute to an IRA for a spouse who earns little or no income.
Illinois Highlights Credit Risk
A look at the tax advantages and credit risks associated with municipal bond investments.
No Shortage of Liability Risks
Liability insurance can help offset unforeseen legal costs that could consume a business's profits.
HOT TOPIC — Tax Reform: How Will You Be Affected?
In December 2017, Congress passed a sweeping tax-cut package that fundamentally changes the individual and business tax landscape.
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