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Forty-three percent of Americans spent more time planning their most recent vacation than planning for their retirement.1
1 AARP, 2008

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.

  • January

    Are Target-Date Funds Off Target?
    Target-date funds are not for everyone, so it's important to gather all the facts.

    The Benefits of Social Security
    Take this quiz to assess how much you know about Social Security benefits.

    Love and Marriage and Retirement
    More than 80% of married couples 45 to 72 say they don't agree on when they should retire, what their retirement lifestyle should look like, or whether they will work in retirement.

    Beware the Better-Than-Average Effect
    Economists have found that, on average, people tend to believe that their own lives are improving at a faster rate than most everyone else's.

    When Tea Leaves Won't Do
    Economic indicators can be a good source of clues about trends, but it takes experience and skill to interpret their meaning.

  • December

    Getting the Right Mix
    Asset allocation is the process of dividing investment dollars among asset classes that often behave differently in different market cycles.

    New Year: Check and (Re)balance
    Even if people have become jaded about making new year's resolutions, it shouldn't stop them from doing what they need to do to accomplish their financial goals.

    Mark Your Calendar
    Once we approach the end of our working years, birthdays take on a renewed importance.

    Ready or Not, You're Retired!
    In 2009, 47% of retirees left the workforce earlier than they expected.

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

  • November

    Home Equanimity
    The contraction of the housing market has caused many people to take a second look at the way they view their homes.

    The Measure of a Life
    One way to help mitigate the financial blow of the loss of a head of household is through life insurance.

    Confident in Consumer Confidence?
    The consumer confidence index can be a useful tool, but it should play only a minor role in an investor’s overall outlook.

    Playing Catch-Up with Contributions
    Something as simple as increasing your contributions to tax-advantaged retirement programs can go a long way toward helping you pursue your long-term financial goals.

    Measuring the Jobs Situation
    Many people understand that a rising jobless rate is one of the hallmarks of a shrinking economy. But the national unemployment rate does not always reveal a complete picture of the jobs outlook.

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

  • October

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