Financial Planning Articles

Buyers Beware of Prescription Drug Clawbacks

Buyers Beware of Prescription Drug Clawbacks

When you fill a prescription covered by your insurance, you probably assume that the retail price is higher than the copay that comes out of your pocket. That’s the point of insurance, isn’t it? You pay a monthly premium, and in exchange, the insurer helps pay for...

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How to Create Tax-Free Retirement Income

How to Create Tax-Free Retirement Income

For many people, the only thing worse than talking about taxes is paying taxes. Sometimes, though, to avoid doing too much of the latter, you have to do the former. Taxes take a big bite out of your working income and they also take a big bite out of your retirement...

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Sneaky Ways to Save Money and What to Do with Your Savings

Sneaky Ways to Save Money and What to Do with Your Savings

If you’re like most Americans, you probably have a savings account – but it might be empty or nearly so. A 2017 GOBankingRates survey found that majority of respondents (57 percent) have less than $1,000 in a savings account, while 39 percent have nothing at all....

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How Preneed Funeral Insurance Can Help Your Family

How Preneed Funeral Insurance Can Help Your Family

A typical funeral can easily cost several thousand dollars. In addition to paying this expense, loved ones are required to make numerous decisions, covering everything from the preparation of the body to the type of casket. All this comes during a very emotional time....

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Your December Financial Checklist

Your December Financial Checklist

Your finances don’t have to take a hit just because it’s December. With a little planning, you can handle all the gifts and celebrations while staying in budget. It’s also a great time to give to charity. While you’re at it, you can take a few simple steps to improve...

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Do You Believe the Top 10 Retirement Planning Myths?

Do You Believe the Top 10 Retirement Planning Myths?

How much do you know about retirement? If you’ve fallen for any of the common misconceptions floating around, it might be less than you think. Get the skinny on these retirement myths now, or they could come back to haunt you in your golden years. Myth #1: Medicare...

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Living Life Insurance Riders

Living Life Insurance Riders

Life insurance is one of those issues many people don’t like to discuss, and it’s not hard to figure out why. Although we call it “life” insurance, most people associate it with the opposite – with death. This is a mistake. Life insurance is a product worth...

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How to Use Living Life Insurance for Retirement Planning

How to Use Living Life Insurance for Retirement Planning

A life insurance policy offers important coverage, but not only because of the financial assistance it provides should an unexpected death occur. Living life insurance policies are also valuable retirement planning tools. Not Just About the Death Benefit When most...

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Retirement Planning – How Can Indexed Annuities Help?

Retirement Planning – How Can Indexed Annuities Help?

Americans are falling behind on retirement savings. The Economic Policy Center reports that only 61 percent of families ages 56 to 61 have retirement savings, and that the average value of the savings for that age group is only $163,577. For younger families, the...

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