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• Estate Planning: Not Just For The Wealthy
  Many people think estate planning is necessary only for those with sizable estates. However, even small estates require smart planning to protect loved ones. Here are some important steps you can take now to ease your familys emotional and financial burden...
• Insurance Protection for Dual Income Families
  As we move further into the 21st century, the idea of the traditional American family has changed. The dual income family with husband and wife each maintaining separate careers and contributing to the financial success of the household has now become commonplace.
• Savings Tips for Young Adults
  Young adults today face a variety of challenges in their quest for financial independence. Some of these obstacles are similar to those faced by previous generations, while others are unique to the times. If you are a young adult, here are five financial tips to help you manage your money and prepare for your future...
• Customizing Life Insurance With Policy Riders
  When most people think of life insurance, the first question that usually comes to mind is, How much do I need? However, there are other aspects of life insurance policies that provide important benefits and are also worthy of consideration...
• Ideas for Year-end Tax Planning
  As you manage your taxes at year-end, one important, constant goal should be to reduce your adjusted gross income (AGI), which equals your gross income (salary, investment earnings, etc.) less your allowable deductions and exemptions...
• What Your Children Should Know About Your Finances
  Many parents may find it un- comfortable, or may believe it is unnecessary, to inform their children about their personal matters. Yet, preparing your family helps everyone feel better about your financial and health care wishes, and it can ease the decision-making process in many important areas....
• Creative Insurance Solutions for Today's Mature Family
  One of the more flexible and creative products to enter the insurance arena within recent years is survivorship life insurance. Often referred to as last-to-die or second-to-die, this life insurance policy insures two individuals yet provides only one death benefit payable at the death of the second insured. In many instances, survivorship life insurance may be less expensive than a single life insurance policy on one of the insureds...
• Tax Tips From The IRS
  Even with the best intentions, filing taxes often becomes an event that is put off until the very last minute. For those who are not accountants, tax laws can be confusing, leaving many unsure of what they may deduct and how they should file. However, according to the Internal Revenue Service (IRS)¹, the process can be simpler than you may think. Here are ten tax tips direct from the IRS designed to make your filing easier than ever..
• Money Management THOUGHOUT LIFE STAGES
  On your way to developing and maintaining good financial health, you know you must accumulate emergency funds for a rainy day. A good financial plan often begins with saving three to six months worth of income and progresses into developing the capacity to meet your personal financial goals in the short term, as well as the long term..
• The What and Why BEHIND ESTATE PLANNING
  many individuals put off planning their estates. For some, this is due to the misconceptions that estate planning is only necessary for the wealthy or that it only involves tax planning, which can be done later. For others, it is because they simply have a difficult time contemplating death-a perfectly natural reaction.
• Education Funding WITH A COVERDELL ESA
  If you are thinking about ways to fund your child's education, the federal government has provided an incentive-the Coverdell Education Savings Account (Coverdell ESA), formerly known as the Education IRA. Contributions are not deductible, but tax-free withdrawals can be made when used to pay for eligible education expenses..
• Retirement Planning: ACTIONS YOU CAN TAKE NOW
  Does your retirement seem light-years away? While it may appear a long way off, you owe it to yourself to look toward the future and begin giving some thought to what you can do today to help ensure a bright retirement tomorrow. Although time may be on your side..
• To Buy or Not to Buy: THE LEASING ALTERNATIVE
  Automobile leasing is more popular than ever, but many people still hesitate to enter into a lease. This may be because there are so many factors to consider that it seems easier to buy. Under the right circumstances, leasing an auto can save you considerable money, and even taxes. No one can tell you which option is better without knowing your particular situation, but these factors may impact your decision.
• Retirement: A COMMUNITY AUDITION
  Ahouse once filled with the constant, clamoring sounds of a growing family has grown silent. Family visits have become few and far between. The silence seems deafening. If these thoughts seem familiar, maybe you and your spouse have outgrown a home you once considered to be too small.
• Interest Rates Affect Your FINANCIAL SITUATION
  when discussing bank accounts, investments, loans, and mortgages, interest is an important concept to understand. In financial terms, interest is the price paid for the temporary use of someone else's funds, and an interest rate is the percentage of a sum borrowed that is attributable to interest.
• Shielding Your Finances FROM DISASTER
  Recent catastrophic events, ranging from natural disasters to terrorist attacks, have clearly demonstrated that the homes and livelihoods in which Americans have invested over many years can be wiped out in a matter of hours. Once displaced, many victims of disasters struggle to get back on their feet financially.
• Becoming a Financially SAVVY SINGLE PARENT
  Raising children without a partner is an enormous challenge-emotionally, physically, and especially financially. Overwhelmed by the work involved in earning a living and caring for children, single parents can sometimes feel they will never be able to break the cycle of living paycheck to paycheck.
• Ten Ways to STRETCH YOUR MONEY
  we all want more money. Many of us would also like to work less. While this may seem like a dilemma, there may be a solution. The best way to increase money without increasing your hours is to avoid excess spending in the first place.
• Financial Aid FOR COLLEGE
  If you or your children are considering college, you may be wondering how you will pay the challenging costs of education. For many families, tuition may be covered by a financial aid package. This often includes grants, scholarships, loans, or work-study placements.