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If you are in good health, disability insurance may not be high on your list of financial priorities. But the statistics might surprise you. A 50-year-old has a 36% chance of experiencing at least one disability lasting 90 days or more before reaching age 65.1 Less...
Achieving a Better Life Experience (ABLE) accounts allow eligible individuals to save and invest money in tax-advantaged plans to pay qualified disability expenses. Expenses that may qualify include housing, education, transportation, health, prevention and wellness, employment training and support, assistive technology, personal support services, and...
The Affordable Care Act (ACA) does not require small businesses with fewer than 50 full-time employees to offer health insurance. Still, many would like to do so, in part to stay competitive in a tightening job market. It is often difficult for small businesses to find...
When thinking about your insurance strategies later in life — when your children are on their own, you’ve retired, or you’ve paid off your mortgage — you may think you no longer need to keep your life insurance coverage, or that the benefit isn’t worth...
The end of the year is a time when families often gather together. Although these gatherings may keep you busy, this could be a good time to think about the future and make sure that you have correctly designated family members and any others you...
An estimated 100 million Americans — representing almost 45% of U.S. households — owned mutual funds in 2017. These individual retail investors held about 90% of the $18.7 trillion in assets invested in U.S. mutual fund companies.1 Mutual funds offer a convenient way to participate in...
After an unusually steady 2017, the U.S. stock market took a more volatile turn in the first half of 2018.1 A number of factors contributed to this year’s volatility, but trade tensions between the United States and its largest trading partners were a frequent trigger. A series...
Many college graduates face a tough decision early in their working lives: pay off student loans or save for retirement. It’s a financial tug of war between digging out from debt today and saving for tomorrow, both of which are very important goals. Recent graduates might...
First available in 2006, the Roth 401(k) is a relative newcomer to the retirement savings world, and employers were slow to adopt it. That has changed in recent years. A 2017 survey found that seven out of 10 large and mid-size employers with defined contribution...
College graduates generally earn more, have lower rates of unemployment, lead healthier lifestyles, and are more active citizens than those without a degree.1 One estimate places the lifetime value of a bachelor’s degree at $2.8 million.2 That kind of opportunity requires a substantial investment that can be...