Financial Decisions

Breaking Down the Basics of HSAs

Learn to use a HSA to your benefit by understanding how it is here to help you.
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Estate planning you should be doing and when you need to be doing it

After finally getting around to updating my life insurance policy since my second daughter was born, and shaming my husband into getting more organized (thank you!), I realized it was time to take a look at my broader estate plan. “Estate plan” sounds so official. Yes, there’s the big, adult-sounding things like an advance directive, will and power of attorney, but it’s also the things we need to access every day, like updated passwords, lists of accounts we use most frequently and how to access them, important contacts and other necessary details and documents organized and shared with the right people.
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5 tips for how to save money on utilities in the summer

As the summer temperatures begin to rise be aware of the rising costs associated with keeping your home cool.
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After-Tax Balance Rules for Retirement Accounts

The advantage of accumulating after-tax assets in a retirement account is that when they are distributed, the amounts will be tax- and penalty-free. However, this benefit is realized only if the necessary steps are taken.
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Retirement Account: Pros and Cons of Naming a Trust as a Beneficiary

Qualified retirement savings accounts are a great way to build a retirement nest egg. But what happens to the money in the account if the account holder passes away?
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Uncle Sam gave you a refund? Consider these smart money moves

Many Americans often look forward to receiving a tax refund. But before splurging on a dinner out or a weekend getaway, consider these steps to put your tax refund to work this year, setting yourself and your family up for long-term financial success.
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Everything you’ve ever wanted to know about a hardship withdrawal

If you ever find yourself having to consider a hardship withdrawal from your retirement account, here's some important information to be armed with to help you make the right choices.
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A guide to the softer side of estate planning

There are many other important parts of an estate plan that may be forgotten along the way. Here is the "softer side" of estate planning.
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Consider making your child’s future education costs a priority

Investing in your child's education now could help prepare you for those expenses later by saving in a 529 College Savings Plan.
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Shook up by market volatility?

The market may fluctuate but focusing on things you can control will help you resist the urge to react on impulse.
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5 things to consider when investing in a 401(k) plan

When you’re a young adult searching for or working in your first full-time job, retirement is likely a distant thought. However, creating good habits early can significantly affect how and when you are able to retire.
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1/3 of Americans would rather change diapers than manage finances

Managing our own money doesn't necessarily top our respective list of things we enjoy doing with our time. But doing so is easier than you might expect. Here are a few simple steps to getting on top of your finance.
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4 financial steps to consider before you start a family

Deciding to start a family is one of the most exciting and life-changing decisions a couple can make. All too often, couples get caught up in the rush to decorate and stock up on baby supplies at the expense of prioritizing essential financial planning considerations.
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What Is the Difference Between Hedging and Speculation?

Speculators and hedgers are different terms that describe traders and investors. Learn more about the differences here.
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Explaining financial plans and why you need one

A clear understanding of personal expenditures and savings rates is essential for securing a strong financial future. A financial plan can help everyone from the extraordinarily wealthy to those struggling to make ends meet.
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Reasons to save in a 401k or similar employer-sponsored plan

Investing in your employer sponsored retirement plan may provide an opportunity for savings.
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Baby on way? The 8 financial steps you should take to prepare

As you prepare to welcome a baby into the world, the excitement and anticipation of meeting your child for the first time can be overwhelming.
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Financial Plan = More Satisfied Customer

It’s not surprising that customers who have a financial plan tend to be more satisfied with their financial advisor than those who don’t have a plan
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How to make your income tax refund go further (infographic)

Tempted to spend your tax refund? Instead, consider putting it towards your emergency fund or saving it to pay yourself back in the future.
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These financial decisions you make in your 20s and 30s can make or break your financial future

Have you ever wondered which life decisions brought you to where you are right now – at this very moment? Or, how your life might be different if you made a few decisions differently along the way?
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