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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.

January

The Coming Retirement Boom
In 2008, a new era will dawn that economists and policymakers have been anticipating for years with a mixture of curiosity and trepidation: baby boomers will begin turning 62, ushering in an unprecedented long-term shift in the balance between working and retired Americans.

Happy Birthdays?
The road to retirement winds through several birthdays that affect most Americans’ retirement benefits and tax circumstances.

Betting Your Life on Low Coverage
If you are close to retiring or have already retired, you may be wondering whether your life insurance policy meets your current needs.

Regain Your Individuality
When employees leave their jobs, they have a choice to make: they can withdraw the money, leave the money in their former employers’ retirement accounts, or roll the money into another retirement plan.

You’ve Sold It: What’s Next?
If you are a business owner who is considering selling your enterprise soon, you may be able to reap even greater rewards by doing a little prep work now.

Inflation Could Make a Comeback
Inflation took a big jump in November, the largest monthly increase in two years. But it’s unusual for inflation to flare during an economic slowdown, and this odd pairing puts the Federal Reserve in a tough spot.
December

Life Insurance Goes to College
Life insurance is usually thought of in terms of tragic outcomes, but if life goes as planned, you may still be able to use it to send your kids to college.

World of Opportunity
It may be tempting to think that investing at home is enough, but that kind of thinking misses opportunities that may be available through foreign investments.

Money and the Battle of the Sexes
When both spouses are informed about the household finances, it can reduce the potential for mistakes, misunderstandings, and lost opportunities.

Giving for the Greater Good
When you utilize a structured giving strategy, your efforts can help reap greater benefits for you, your heirs, and your favorite charity.

An ILIT Might Fit
If you are concerned about estate taxes, an ILIT might be the way to go.

Oil's Above-Ground Problems
It used to be that the main concern about oil was finding enough of it in the ground to meet world demand. Despite dire predictions to the contrary, most experts believe that there is still plenty of oil in the ground. Why then has the price of oil doubled since 2004?

November

Free to Retire
A variable annuity might provide a way to help you pursue your retirement goals if you don’t have the time required to develop a winning retirement strategy.

Lock in Today’s Tax Rates
If you expect that tax rates are going to increase, you might want to consider opening a Roth IRA.

Diversify and Conquer
If you dream of doing more in retirement than sipping lemonade in a rocking chair on the porch, you may want to consider the advantages of diversifying your portfolio.

Develop a Life Plan
An out-of-date estate conservation strategy is about as useful as none at all, but by updating your estate documents periodically, you can help protect the assets you wish to pass on to your heirs.

Poverty and the Modern Millionaire
Being a millionaire retiree has never really been the status quo – but now this amount may not be nearly enough to maintain even a modest retirement lifestyle.

Sorting Long-Term-Care Myth from Fact
What you think you know about long-term care might actually be based on myths and half-truths that could lead you to make poor decisions about the type of care that you may need.
October

His and Her Uncertainty
By sharing information about each other’s plans and expectations for retirement, a couple may be able to avoid some common mistakes that could hamper their progress toward a comfortable retirement lifestyle.

The High Cost of Low Coverage
The cost of not carrying adequate life insurance could be far more expensive to surviving family members than the cost of the additional premiums.

Hand-Me-Down Dollars
Inheriting an IRA can be a great source of additional income, but the penalties for mismanaging one are severe.

Estimate the Cost of College
Determine how much needs to be saved annually so the youngsters in your family can afford college.

A Retirement Plan for One
Although most large companies are moving away from traditional defined-benefit plans, a solo defined-benefit plan may be an attractive pension option of you are a sole proprietor or if you are self-employed.

Dollar Doldrums or Delight?
The recent weakness in the dollar has caused widespread worry. But it wasn't so long ago that critics were bemoaning the nation's "strong dollar" policy. So which is better, a strong dollar or weak one?

September

Tolerating Risk
Whether you are a conservative investor or an aggressive one, it’s likely there are mutual funds that match your risk tolerance.

Score Your Credit Knowledge
Creditworthiness is an inseparable part of financial health, therefore it’s important to know how to maintain good credit.

Join the Millionaire Club
The burden of funding retirement now rests squarely on the shoulders of workers, many of whom are finding that they may need much more than $1 million to provide a comfortable retirement lifestyle.

Shelter from the Storm
Finding yourself on the wrong side of a multimillion-dollar decision would be a bad time to discover you didn’t have enough liability coverage under your homeowners and auto insurance.

IPO Trends
Though experts are expecting 2007 to be another big year for initial public offerings, or IPOs, the U.S. IPO market may not be the same as in years past.

Understanding the Credit Crunch
The financial markets went into a tailspin after a handful of subprime mortgages went into default and central banks had to jump in to help. What do these defaults have to do with global liquidity?


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Newsletters 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. January The Coming Retirement Boom In 2008, a new era will dawn that economists and policymakers have been anticipating for years with a mixture of curiosity and trepidation: baby boomers will begin turning 62, ushering in an unprecedented long-term shift in the balance between working and retired Americans. Happy Birthdays? The road to retirement winds through several birthdays that affect most Americans’ retirement benefits and tax circumstances. Betting Your Life on Low Coverage If you are close to retiring or have already retired, you may be wondering whether your life insurance policy meets your current needs. Regain Your Individuality When employees leave their jobs, they have a choice to make: they can withdraw the money, leave the money in their former employers’ retirement accounts, or roll the money into another retirement plan. You’ve Sold It: What’s Next? If you are a business owner who is considering selling your enterprise soon, you may be able to reap even greater rewards by doing a little prep work now. Inflation Could Make a Comeback Inflation took a big jump in November, the largest monthly increase in two years. But it’s unusual for inflation to flare during an economic slowdown, and this odd pairing puts the Federal Reserve in a tough spot. December Life Insurance Goes to College Life insurance is usually thought of in terms of tragic outcomes, but if life goes as planned, you may still be able to use it to send your kids to college. World of Opportunity It may be tempting to think that investing at home is enough, but that kind of thinking misses opportunities that may be available through foreign investments. Money and the Battle of the Sexes When both spouses are informed about the household finances, it can reduce the potential for mistakes, misunderstandings, and lost opportunities. Giving for the Greater Good When you utilize a structured giving strategy, your efforts can help reap greater benefits for you, your heirs, and your favorite charity. An ILIT Might Fit If you are concerned about estate taxes, an ILIT might be the way to go. Oil's Above-Ground Problems It used to be that the main concern about oil was finding enough of it in the ground to meet world demand. Despite dire predictions to the contrary, most experts believe that there is still plenty of oil in the ground. Why then has the price of oil doubled since 2004? November Free to Retire A variable annuity might provide a way to help you pursue your retirement goals if you don’t have the time required to develop a winning retirement strategy. Lock in Today’s Tax Rates If you expect that tax rates are going to increase, you might want to consider opening a Roth IRA. Diversify and Conquer If you dream of doing more in retirement than sipping lemonade in a rocking chair on the porch, you may want to consider the advantages of diversifying your portfolio. Develop a Life Plan An out-of-date estate conservation strategy is about as useful as none at all, but by updating your estate documents periodically, you can help protect the assets you wish to pass on to your heirs. Poverty and the Modern Millionaire Being a millionaire retiree has never really been the status quo – but now this amount may not be nearly enough to maintain even a modest retirement lifestyle. Sorting Long-Term-Care Myth from Fact What you think you know about long-term care might actually be based on myths and half-truths that could lead you to make poor decisions about the type of care that you may need. October His and Her Uncertainty By sharing information about each other’s plans and expectations for retirement, a couple may be able to avoid some common mistakes that could hamper their progress toward a comfortable retirement lifestyle. The High Cost of Low Coverage The cost of not carrying adequate life insurance could be far more expensive to surviving family members than the cost of the additional premiums. Hand-Me-Down Dollars Inheriting an IRA can be a great source of additional income, but the penalties for mismanaging one are severe. Estimate the Cost of College Determine how much needs to be saved annually so the youngsters in your family can afford college. A Retirement Plan for One Although most large companies are moving away from traditional defined-benefit plans, a solo defined-benefit plan may be an attractive pension option of you are a sole proprietor or if you are self-employed. Dollar Doldrums or Delight? The recent weakness in the dollar has caused widespread worry. But it wasn't so long ago that critics were bemoaning the nation's "strong dollar" policy. So which is better, a strong dollar or weak one? September Tolerating Risk Whether you are a conservative investor or an aggressive one, it’s likely there are mutual funds that match your risk tolerance. Score Your Credit Knowledge Creditworthiness is an inseparable part of financial health, therefore it’s important to know how to maintain good credit. Join the Millionaire Club The burden of funding retirement now rests squarely on the shoulders of workers, many of whom are finding that they may need much more than $1 million to provide a comfortable retirement lifestyle. Shelter from the Storm Finding yourself on the wrong side of a multimillion-dollar decision would be a bad time to discover you didn’t have enough liability coverage under your homeowners and auto insurance. IPO Trends Though experts are expecting 2007 to be another big year for initial public offerings, or IPOs, the U.S. IPO market may not be the same as in years past. Understanding the Credit Crunch The financial markets went into a tailspin after a handful of subprime mortgages went into default and central banks had to jump in to help. What do these defaults have to do with global liquidity?
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