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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.

  • September

    Variable Annuities Add Guarantees
    Investors who would rather not choose between a guaranteed income and above-average investment gains may want to consider variable annuities with living benefit guarantees.

    A Long Look at the National Debt
    To better comprehend the size and scope of the national debt, it helps to measure it against the size of the overall economy.

  • August

    The Long Road Ahead
    The stock market has had its share of roller-coaster thrills lately, but don’t be tempted to react emotionally.

    Note to Self: Check Beneficiary Designations
    Outdated beneficiary forms have the potential to cause needless grief and hardship for surviving loved ones who are your intended heirs.

  • July

    Get Your Retirement Reality Check
    A retirement needs-calculation goes beyond the commonly suggested target to have 70% of pre-retirement income.

    Higher Education Pays, But So Will You
    It’s likely that admission to the nation’s top colleges and universities will remain competitive, but adequate college savings can help ensure that a student’s opportunity to attend his or her school of choice is not compromised by the lack of resources.

    It's Not Too Late to Consider Life Insurance
    Results from one survey suggest that confidence in financial security tends to increase as life insurance coverage increases.

  • June

    Estate of Emergency?
    To help ensure that an estate is distributed according to one's wishes, it’s important to have certain legal documents in place.

    The Positives of Negative Correlation
    Few asset groups are perfectly negatively correlated, but a portfolio may still be able to benefit from the correlation principle.