Fifty-seven percent of American workers have saved less than $25,000 for retirement, and 28% have saved less than $1,000. 1
Source: Employee Benefit Research Institute, 2013
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.
HOT TOPIC: Will College Pay Off? Big Bills Call for Smart Choices
A Federal Reserve analysis found investing in a college degree earned an average annual return of about 15% over the last decade.
Small Business Owners Deserve a Vacation
Some tips for fitting a personal vacation into business plans and helping the business run efficiently.
Experience U.S. National Parks by Volunteering
This article explores ways to enjoy a relatively inexpensive outdoor vacation.
HOT TOPICS: Jobs Are Back, But Is It Too Soon to Celebrate?
Understanding the current jobs situation and how it may affect the economy in the coming months.
When Adult Children Need Financial Help
Ideas for parents to consider when their adult children ask for financial help.
Succession Planning and Life Insurance
How to help survivors from being forced to liquidate the business, sell assets, or borrow money to pay taxes and fees.
HOT TOPICS: Housing Trends – New Rules Could Revive Recovery
Current housing trends, the role of the government in the housing-finance market, and what changes could mean.
Imagining Your Retirement
Key points to consider as you envision your retirement and work to make your dreams come true.
Keeping Score for Your Credit
Tips to maintain or potentially improve your credit scores (higher scores could make it easier to obtain credit).
Bridging the Gap Between Retirement and Medicare Eligibility
The health exchanges could be beneficial for early retirees who need coverage before they are eligible for Medicare.
Taxes Due for Better or Worse
A number of new taxes could affect couples (especially higher-income couples) and lead to surprises at tax time.
Small-Business Borrowing Update
Common financing options that small businesses often rely on to run their operations or finance expansion.
Women Lack Life Insurance
Why women need life insurance, whether they are breadwinners, co-providers, or a stay-at-home parent.
Strengthening Social Security
A recent poll measured attitudes toward four potential changes to strengthen the Social Security system.
Does a Larger Staff Fit into Your Growth Strategy?
More than half of small-business owners and CEOs surveyed in 2013 said they were planning to hire new workers in 2014.
Cleaning Up Your Financial Records
Make it easier to find financial documents when you need them with these organization tips.
Entrepreneurs Get Back in the Game
Start-up activity rose to a 14-year high in 2012; some first steps for turning an idea into a profitable business.
Reading into the Federal Reserve’s Beige Book
A look at how the FOMC compiles the Beige Book and some of the useful information that can be found in it.
Enforcement Programs Aimed at Small Businesses
While small biz strive to comply with the federal tax code, certain practices could attract attention from the IRS.
When Your Child Should File a Tax Return
IRS rules regarding who must file are based on the amount and source of income rather than age
Overcoming Retirement Challenges
Four common obstacles to saving for retirement with suggestions on how to get back on track.
Looking Back, Looking Forward
Various indicators (leading, coincident, and lagging) may be helpful to better understand economic trends.
Time for a Trust
Common types of trusts, the issues they might address, and the benefits they may provide.
Overcoming Cloud Confusion
Cloud-based services available to businesses and some of the pros and cons.
HOT TOPIC: What Can We Expect in 2014?
While economic forecasts for 2014 are encouraging, there are factors to watch in the months ahead.
Production Values: New Calculations for GDP
The calculation of U.S. GDP was revised in 2013 and the changes provide a different perspective on economic performance.
A Map for Your Family
A letter of instructions can help guide family members through the many steps that need to be taken after the loss of a loved one.
S Corp vs. C Corp
From time to time businesses may want to revisit whether the current organizational structure is meeting its needs.
Credit vs Debit: Paying with Plastic
Debit and credit cards are subject to different rules and tend to offer different benefits and liability protections.
HOT TOPIC: Nobel Prize Winners Offer Investing Lessons
A trio of American Nobel Prize-winning economists contributed to fundamental investing concepts and principles.
The 1% Factor: A Way to Boost Retirement Savings
Several ideas that could help you save more without making major changes to your current lifestyle.
Understanding Your Investment Brain
Understanding behavioral finance may help you determine an appropriate level of risk for your investing strategy.
Retirement Plans for Small Businesses
Compare the benefits and limitations of 401(k) and SIMPLE IRA plans to see how they might meet a company’s needs.
Your Dog May Pose a Liability Threat
Dog owners may want to review their insurance policies to determine whether they have adequate liability protection.
To Roth or Not to Roth: That’s the Conversion Question
Some of the pros and cons of converting a traditional IRA to a Roth IRA are discussed.
Preparing for Medical Expenses with an HSA
A HDHP with a HSA is a strategy that may help reduce current ins. costs while saving for future medical expenses.
Taking a Measured Approach
How a dollar-cost averaging strategy could help investors weather market volatility.
Insurance to Leave a Legacy
A survivorship life insurance policy could provide benefits at a lower cost than individual life insurance.
Retirees Spark a Surge in Small-Business Sales
Three business valuation methods are discussed with suggestions to help owners prepare for the sale of their businesses
Protecting Your Family’s Future
Although many workers have group insurance through their employers, it may not be sufficient coverage
Want to Be Your Own Boss?
Developing a business after retiring from a regular job comes with risks and challenges.
The Alternative Minimum Tax Trap
Strategies that could help some taxpayers minimize the potential effects of the AMT in certain situations.
Cybercrime Survival Guide
Here are some specific cyber security threats and tips to help small businesses protect their interests.