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Putting A Lump Sum Towards Your Mortgage Won’t Lower Your Payment
Putting extra cash towards your mortgage doesn’t lower your payment If you have extra cash and are considering putting it towards paying down your mortgage
Inheriting a Trust Fund: Distributions to Beneficiaries
If you’re inheriting a trust fund, you likely have questions about how the distribution payouts to beneficiaries work and the tax implications. While general information
Should You Take an Early Retirement Package? What to Look for in a Buyout Offer
Deciding whether or not to take the offer of a voluntary early retirement package or buyout from an employer is a big decision. Taking an
Should You Use Retirement Accounts to Delay Social Security Benefits?
When your paychecks stop, you’ll have to decide where to turn for retirement income. Many individuals have several options: cash savings, IRAs and retirement accounts,
What You Need to Know About Capital Gains Tax (2024)
Updated for 2024. What is a capital gains tax? When you sell an asset like a stock or a home, your gain could be taxable.
What To Do With Excess Cash: 7 Ways to Use Extra Savings
What should you do with excess cash? If you are holding too much cash, consider how to use the extra money to your benefit. If
Converting a Traditional IRA to a Roth Before or During Retirement
It doesn’t always make sense to convert a traditional IRA to a Roth IRA. Your current and projected tax rate is often a main component
Rolling Over a 401(k) to a Roth IRA: Should You Convert to a Roth?
Updated for 2024. What are your 401(k) rollover options? You may consider rolling over an old 401(k) to a Roth IRA, which is properly described
3 Strategies to Minimize Taxes on Required Minimum Distributions (RMDs)
Looking for ways to minimize taxes on RMDs? For wealthy retirees, mandatory distributions from retirement accounts can cause taxes to increase sharply. As with all
How Does an IRA Rollover Work?
How to roll over a 401(k) to an IRA in 5 steps Rolling over an old 401(k) after you leave your job is easy, but
Asset Management vs Wealth Management: What’s the Difference?
Asset Management vs Wealth Management When searching for a financial professional, you may wonder whether you need asset management vs wealth management. How are they
What Happens To Stock Options If You Are Laid Off?
Losing your job is stressful. If you’ve been laid off, you may be wondering what will happen to your stock options or restricted stock units.
Stress Testing a Financial Plan Using a Risk Simulation
What happens if…? That’s the million-dollar question. Stress testing a financial plan and retirement projections can help investors feel more confident in the likelihood they
With Mortgage Rates So Low, Is Now a Good Time to Refinance?
With 30-year fixed mortgage rates currently averaging below 3%, it might make sense for homeowners to consider refinancing. Depending on several factors, such as your
Don’t Get Taken Down When Your Employer’s Stock Sinks
What can happen if you own too much of your company’s stock? The coronavirus outbreak is yet another example of the dangers of having too
During Times of Market Volatility, Focus on What You Can Control
Amidst the vast uncertainty in the markets right now, it’s more important than ever for investors to understand the benefits—and limitations—of diversification. Having the right
Why You Need To Be Financially Prepared For An Unexpected Job Loss
The economy has been booming since the financial crisis but tough times are back. Broad economic conditions impact hiring or layoffs for many workers, but
How Do Bonds Perform During a Recession?
The globalized nature of the world economy makes diversification a tall task. Although past performance is not indicative of future results, history is a helpful