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The Exposed Failure of the 401(k) System

Were you aware that the median 401(k) account in America is a pitiful $18,433? (according to the recent 401(k) report by the Employee Benefit Research Institute) Yep, about 40% of employees in America have less than 10,000 in their 401(k) today… And no, it isn’t because 40% of Americans have pensions… They simply just don’t  Click to Continue


Financial Resolutions for 2015

Do you know what the top five New Year’s resolutions are? Lose Weight Volunteer Quit Smoking Get a Better Education Get a Better Job Number six is Save Money. Taking these actions will pay dividends and benefit your financial resolutions for 2015. Get clear goals and budget accordingly. Set specific, measurable and achievable goals and create  Click to Continue


Where Should I Invest My Cash: Stocks or Housing?

Where should I invest my cash: stocks or housing? Determining whether to invest your cash in stocks or housing probably depends upon what your goals are. If your goal is to build wealth then putting all your money in a house may not be such a good investment. Nobel Prize-winning economist Robert Shiller said at a Standard and  Click to Continue


The Truth about Qualified Longevity Annuity Contracts (QLACs)

Ever since the IRS and the Treasury Department made the monumental announcement that longevity annuities (aka deferred income annuities, aka your own “private pension plan”) can now be allowed in qualified retirement plans such as 401(k)s, 403(b)s, and IRAs, there has been a ton of chatter about these qualified longevity annuity contracts (aka QLACs). Sadly,  Click to Continue


The Truth About Permanent Life Insurance

Over the years, the life insurance industry has grown significantly. With that growth has come the emergence of numerous types of life insurance policies. Some policies are used for pure insurance purposes – often on a temporary basis – while others are intended to be kept throughout an insured’s lifetime. There are two primary classes  Click to Continue


What is a Special Needs Trust?

Fourteen years ago when my husband and I were updating our will, we created a Special Needs Trust for our physically impaired son, Daniel who has cerebral palsy. Daniel, our third son, is presently 29 years old and a joy to all who know him. We consulted an estate planning attorney who not only offered  Click to Continue