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Fourty-seven percent of American workers have saved less than $25,000 for retirement, and 24% have saved less than $1,000.1
Source: Employee Benefit Research Institute, 2017

Will you outlive your retirement income? 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.


  • January

    HOT TOPIC: SECURE 2.0 Provides New Retirement Savings Options in 2024
    The SECURE 2.0 Act made wide-ranging changes to U.S. tax laws related to retirement savings. This article provides an overview of some important provisions that take effect in 2024.

    Understanding Life Insurance
    Life insurance can help replace much-needed income after the death of a provider. With the wide variety of policies available, it’s important to understand the basic types of coverage.

    Will You Work Beyond Traditional Retirement Age?
    Does your income strategy beyond traditional retirement age include receiving a paycheck? This article looks at the advantages and disadvantages of working later in life.

    Setting a Retirement Savings Goal
    Only 51% of workers or their spouses have tried to estimate the savings they would need to live comfortably in retirement. This article offers a simple worksheet to help calculate a savings target.

    SECURE 2.0 Makes It Easier to Give and Receive
    The SECURE 2.0 Act modified the rules for qualified charitable distributions to allow funding a charitable gift annuity or charitable remainder trust from an IRA.

    How to Kill Your Zombie Subscriptions
    With inflation cutting into consumers’ purchasing power, getting rid of a few unnecessary recurring charges could be a painless way to help balance the household budget.

  • December

    HOT TOPIC: A Cautiously Optimistic Economic Outlook for 2024
    The U.S. economy grew in the third quarter of 2023, despite high interest rates and unsettling geopolitical conflict. This article discusses market conditions and economic forecasts for 2024.

    Much Ado About RMDs
    This article provides an overview of the changes the SECURE 2.0 Act made and a brief explanation of how to calculate required minimum distributions from tax-advantaged retirement accounts.

    Medical Debt and Your Credit Report
    This article looks at changes in the way medical debt is handled on credit reports and offers tips to avoid having unpaid medical bills impact credit.

    ISM Indexes Watch for Trouble on Both Sides of the Economy
    Two different Purchasing Managers Indexes are generally considered to be leading economic indicators that can help businesses and investors make more informed decisions.

    Why the EPA is Focusing on “Forever” Chemicals
    In March 2023, the Environmental Protection Agency proposed the first federal limits for six types of per- and polyfluoroalkyl substances, or PFAS, in public drinking water.

    New Medicare Rules Tackle Prescription Drug Prices
    The Inflation Reduction Act of 2022 included provisions intended to lower prescription drug costs for Medicare enrollees and slow drug spending by the federal government.

  • May

    HOT TOPIC: Rescuing America’s Safety Net
    This article looks at the current fiscal outlook for the Social Security and Medicare programs and presents some potential changes that might help to strengthen them.

    Diversifying with Market Caps
    The S&P 500 Index ended 2022 down 19.4%. Midsize and smaller companies also lost ground but generally held their value better than large companies. This article explains why holding stocks in companies of different sizes can help diversify a portfolio.

    Keep an Eye Out for IRS-Related Scams
    Although IRS scams are especially prevalent during tax season, they also take place throughout the year. This article identifies some common tax scams and offers tips to help avoid becoming a victim.

    Social Security Offers Benefits from Birth Through Old Age
    The bulk of Social Security benefits go to retirees, but Social Security is much more than a retirement program. This article outlines other types of Social Security benefits.

    Municipal Bonds: A Tax-Advantaged Way to Put Capital to Work
    Muni bonds and tax-exempt funds have long been a mainstay in the portfolios of income-focused investors who want to manage their tax burdens.

    Bear Market Emotions: Strategy vs. Reaction
    Staying disciplined in building a well-constructed portfolio over time can help carry investors through the market’s rough spots.

  • April

    Are You Eligible for Any of These College-Related Federal Tax Benefits?
    College students and their parents need all the help they can get when paying for college or repaying student loans. This article explains three federal tax benefits that could take some of the sting out of expensive college costs.

    Time for a Spring Cleanup: Organizing Your Financial Records
    Spring is a good time to clean out and organize financial records. This article offers guidelines on how long different types of records need to be retained.

    Retiring in a Down Market? Don’t Panic
    Market volatility makes most investors nervous, but a big downturn can be especially disturbing to those who are approaching retirement or newly retired. This article presents three fundamental concepts that may help investors keep market movements in perspective and maintain their focus on long-term goals.

    Trusts — Not Just for Estate Taxes
    In the past, trusts were often used to avoid estate taxes, but that purpose has become less important for most people with current high exemption amounts. However, a properly constructed trust can serve many other purposes for families of more modest means.

    Business Owners: Should You Organize as an LLC?
    Establishing an LLC creates a separate legal entity to help shield a business owner’s personal assets from lawsuits brought against the firm by customers or employees.