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Possible Benefits of “Bundled” Health Care Payments

Americans buy and sell most goods and services with the bundled approach. Companies package things like phone, internet and cable together for one, simplified monthly payment. When you sell a house, you pay a lump sum commission to the representing agents, not a fee for each service they provide. However, the United States currently uses […]

Consider Going Back-to-School Post-Retirement

This fall, young people aren’t the only ones who are going back to school. Many colleges and universities have made it easier for older folks to get a degree, and retirees across the country are taking advantage. People aged 65 and older currently make up a little more than 13 percent of the U.S. population […]

5 Action Items to Complete Before Retiring

The years leading up to retirement can be a time of both increased excitement and anxiety. For many, retirement offers the possibility of pursuing new opportunities and experiences. However, with this new sense of freedom comes a heightened level of concern in making sure your money lasts. Prior to retiring, there is no substitute for […]

Why a $2 Trillion Tax Bill Is Coming Due for Baby Boomers

Uncle Sam has been waiting a long time for this big tax payoff. It starts this year, as the oldest baby boomers hit age 70½ on July 1 and begin taking money out of their tax-advantaged savings accounts as required by law—and paying the income tax that has been deferred, in some cases for decades. […]

Visit This Summer’s Travel Hot Spots

Let’s face it. For many people, getting older has less to do with chasing the almighty dollar, and more to do with enjoying special moments with friends and family. Highlighting this point is new research by AARP showing that many of America’s baby boomers are choosing to celebrate personal milestones such as anniversaries, birthdays or […]

What’s the difference between a 401(k) and a pension plan?

The biggest difference between a 401(k) plan and a traditional pension plan is the distinction between a defined benefit plan and a defined contribution plan. Defined benefit plans, such as pensions, guarantee a given amount of monthly income in retirement and place the investment risk on the plan provider. Defined contribution plans, such as 401(k)s, […]

How To Secure Income For Retirement

Ten thousand Americans a day are turning 65, including a couple we’ll call Stu and Helen. In excellent health, Stu and Helen could be facing a retirement of 30 years — or even longer. One of their biggest fears about their impending retirement is their potential longevity — and running out of money to not […]

What is $186 Million?

To the life insurance industry, $186 million represents the fulfillment of promises made to policy owners who turned to life insurers to protect their families’ financial futures. $186 million is the amount insurers deliver every day in life insurance benefits. For the families receiving these benefits, life insurance proceeds represent the financial peace of mind […]

8 Tips to Help Seniors Conquer Stress

As boomers retire from their jobs at unprecedented rates in the U.S., you’d think they’d be spending their free time with friends, lingering over the morning newspaper and coffee or taking January vacations in a warm place. But many seniors are finding themselves in a predicament that few anticipate in retirement: parenting for a second […]

Is Mortgage Refinancing Right for You?

These days, it’s hard not to be enticed by the historically low mortgage refinancing rates. Now could be the perfect time to refinance, but is refinancing your loan right for you? Here are a few points to take into consideration if you’re thinking about refinancing your home loan.   The Benefits of Refinancing Beyond potentially […]