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Welcome and thank you for stopping by. Our blog sets the heading to separate financial fiction from financial fact to help keep you afloat and stay the course. From 401(k) IRA Rollovers to Life Insurance, Living Trusts, Social Security, Annuity Rates and everything in between, we are here to educate the community about important financial topics that affect your estate and retirement plans.

September 4, 2018

This early financial decision could prove profoundly positive over time.

Do you have a child or grandchild earning some income? Indirectly, that after-school or summer job might present a savings opportunity for that teenager. You could help your child or grandchild sav...

August 8, 2018

An annuity contract's maturity date or annuity date is the most misunderstood contract provision.

Originally posted by Gary Spicuzza on December 6, 2006

Here’s what attorneys claim:

 “Agents seek out the elderly, because in most cases the annuity's maturity date is beyond...

July 31, 2018

This popular retirement savings vehicle comes in several varieties.

What don’t you know? Many Americans know about Roth and traditional IRAs, but there are other types of Individual Retirement Arrangements. Here’s a quick look at all the different types of IRAs:


July 17, 2018

You can plan to meet the costs through a variety of methods.

How can you cover your child’s future college costs? Saving early (and often) may be the key for most families. Here are some college savings vehicles to consider.

529 college savings plans. Offered by states a...

July 9, 2018

Sometimes you can take penalty-free early withdrawals from retirement accounts.

Do you need to access your retirement money early? Maybe you just want to retire before you turn 60 and plan a lifelong income stream from the money you have saved and invested. You may be s...

May 22, 2018

Turn your intent into a commitment.

Goals give you focus. To find and establish your investing and saving goals, first ask yourself what you want to accomplish. Do you want to build an emergency fund? Build college savings for your child? Have a large retirement fund by...

May 14, 2018

Sometimes more money can mean more problems.

“Lifestyle creep” is an unusual phrase describing an all-too-common problem: the more money people earn, the more money they tend to spend.


Frequently, the newly affluent are the most susceptible. As people establish th...

May 8, 2018

Classroom educators are coping with hybrid plans and pension fund shortfalls.

Arizona. Kentucky. Massachusetts. Michigan. Pennsylvania. Rhode Island. Tennessee. In these states and others, teachers are concerned about their financial futures. The retirement programs the...

April 27, 2018

In the coming months, they will reach retiree mailboxes.

New Medicare cards will be mailed out between now and next April. They have an 11-digit I.D. number instead of your SSN, and they are made of paper rather than plastic. This new 11-digit number is called the Medic...

April 19, 2018

This is the time to arrange lifelong health coverage.

Age 64 is the age when you are reminded to sign up for Medicare.

The sign-up period will be here before you know it. In fact, you might already be within it, so act quickly if you are. Medicare gives you a 7-month win...

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