Fifty-seven percent of American workers have saved less than $25,000 for retirement, and 28% have saved less than $1,000.
Source: Employee Benefit Research Institute, 2015
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.
Understanding inversions and their implications on tax revenues, corporate taxes, and for shareholders of inverted companies.
Consumers who go to the grocery store or gas station might wonder what the talk of low inflation is all about.
The government planned to reduce Medicare Advantage plan funding for 2015, but pressure from Congress led to a reversal.
An HSA could play a role in a longer-term retirement strategy because of three powerful tax benefits.
Retirement benefits are the 3rd most important consideration fostering employee loyalty, after salary and health insurance.
The U.S. has become the world’s largest energy producer; can lower gas and oil prices accelerate the economy?
Having proper legal documents in place can help when you are unable to make your own medical and financial decisions.
Some considerations when deciding where to live in retirement, be it staying in the same community or moving.
Emerging market investments may have the potential for higher average returns over the long term, but there are risks.
Starting in 2015, only one 60-day tax-free rollover each year will be allowed, no matter how many IRAs are owned.
The federal government is forging trade agreements and creating new programs that may help businesses become export-ready.
A look at recent international geopolitical situations and whether they could have a long-term effect on U.S. markets.
This article provides an overview of basic trust terms and structures and common types of trusts.
Reasons why life insurance may still be important and the differences between term and permanent insurance policies.
Understand Social Security claiming strategies, longevity issues, and tax considerations to help maximize benefits.
Knowing what to look for could help investors guard against common types of fraud such as pyramid schemes and affinity fraud.
Making accurate quarterly tax payments on schedule can help avoid interest penalties for underpayment.
A Federal Reserve analysis found investing in a college degree earned an average annual return of about 15% over the last decade.
When leaving a job, what you could do with the assets you’ve accumulated in your employer-sponsored retirement plan.
This article explains how alpha and beta measures can be used to compare investments.
Workers aged 50 and older can give their retirement savings a boost by taking advantage of catch-up contributions.
Some tips for fitting a personal vacation into business plans and helping the business run efficiently.
This article explores ways to enjoy a relatively inexpensive outdoor vacation.
Understanding the current jobs situation and how it may affect the economy in the coming months.
The key dynamics behind the U.S. trade deficit including trade issues with China and international trade agreements.
An overview of UITs with a focus on some important factors to understand when adding UITs to a portfolio.
An overview of fixed and variable annuities and how they could provide a guaranteed income stream in retirement.
Ideas for parents to consider when their adult children ask for financial help.
How to help survivors from being forced to liquidate the business, sell assets, or borrow money to pay taxes and fees.
The effects extreme weather events can have on businesses, regional economies, and overall U.S. GDP growth.
Investor or speculator? The importance of committing to a long-term strategy based on sound investment principles.
A charitable remainder trust may enable donors to give appreciated assets to a favorite charity on a tax-free basis.
The retirement earnings test reduces Social Security benefits for younger beneficiaries whose earnings exceed annual levels.
A 2014 IRS ruling makes it easier for taxpayers to move after-tax 401(k) contributions directly to a Roth IRA.
Data breaches at large retailers have dominated the news, but cyber crimes also threaten small businesses.
Why your credit score matters and how recent changes could help you manage and potentially improve your credit.
Interest rates are expected to rise in 2015. Test your interest-rate knowledge by taking this short quiz.
A personal property memorandum could be used to make bequests of specific items to heirs.
In spite of their similarities, there are some key differences between ETFs and mutual funds.
Tax incentives available to homeowners, like deducting mortgage interest, can make homeownership attractive to some.
Organizing as a limited liability company has its benefits and offers many of the same legal protections as a corporation.
In the 5 years since the end of the Great Recession, Americans can finally be upbeat about their financial prospects.
Here’s how to identify a stock or mutual fund as a growth or value investment.
It’s important to note that the “kinder, gentler” IRS remains vigilant in auditing returns for accuracy.
A survey of adults aged 44 to 75 found that 61% fear running out of money in retirement.
Personal financial decisions can affect the amount of aid a student might receive from the government and/or a college.
Common valuation methods and how small-business owners can get the best price when selling their businesses.
Understanding the rising U.S. dollar and its potential effect on the economy, consumers, and investors.
Couples might consider a spousal IRA to help keep the retirement savings of both spouses on track.
Procrastination can have far-reaching effects on important activities and decisions, such as saving for retirement.
Bond prices typically fall as interest rates rise; this may be a good time to examine your fixed-income investments.
2015 forecasts for GDP, inflation, and unemployment, and the role and limitations of economic projections.
Some of the ways business owners are using data to help improve business efficiency and customer interaction
50 temporary tax provisions for 2014 became law with less than 2 weeks left in the tax year; will any affect you?
For auto and homeowners insurance, consider deductibles and coverage limits, and compare rates for available options.
Understanding Social Security claiming strategies, such as “file and suspend,” may help increase lifetime benefits.
Now may be a good time to make sure that the beneficiaries in your will, insurance policies, and retirement accounts are current.
How reforms to the $2.6 trillion money fund market might affect institutional and individual investors.
Companies with disaster plans and adequate insurance protection may be in a better position to reopen their doors after a severe weather-related event.
Current trends in debit- and credit-card fraud and howshoppers can help protect their personal information and financial accounts.
An overview of the potential benefits and risks of REITs, and how real estate investments might help provide portfolio balance.
Results of a recent survey on couples and money management, plus suggestions for forging a stronger financial partnership.
Three basic principles that could help consumers spot a fraudulent scheme.
Fed officials eventually need to decide when to tighten monetary policy and raise the benchmark interest rate.
Information about the Affordable Care Act’s employer mandate for small businesses, including tax credits and SHOP.