Archive for
November, 2013

Questions to Ask When Drafting an Estate Plan

Tuesday, November 26th, 2013

When making a Top 10 List of Procrastination, Estate Planning would definitely earn a coveted spot on that list.  It’s right up there with insurance, going to the dentist and doing your taxes. However, just like all the other items on your procrastination list, you know that you eventually...

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Should I Use a 529 Plan to Save for College?

Thursday, November 21st, 2013

By Drew Aunon, Associate Given that you have shown enough interest to read this far into my blog post, odds are that you (at least to some degree) understand the importance of saving for your kids’ college education. And in reality, a large majority of you have probably already...

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Building an Effective Participant Communications Program

Tuesday, November 19th, 2013

By Colin Clark, Retirement Plan Specialist In recent years, plan sponsors have seen participation and contribution levels dwindle in the face of economic uncertainty and a volatile stock market. In this environment, educating participants about the specifics of a plan may not be enough. What is often needed is...

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Can I Contribute to a Roth IRA?

Thursday, November 14th, 2013

By Jay Sanford, Director of Investment Strategy There always seems to be some confusion when figuring out if you can contribute to a Roth IRA.  Quite frankly, the answer is simple: Do you have earned income and how much is your AGI (adjusted gross income)?  Unlike a regular, deductible...

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How Much Does Long Term Care Insurance Cost?

Wednesday, November 6th, 2013

“One million dollars.“  That’s not actually true, but I’m sure that’s what Dr. Evil would tell you. In all reality, the answer is, “it depends…” What does it depend on, you ask?  The cost of Long Term Care Insurance will be based on a variety of factors, including: Plan...

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Do We Really Need an Advisor for Our 401(k) Plan?

Tuesday, November 5th, 2013

By Colin Clark, Retirement Plan Specialist A recent American Benefits Council study1 demonstrated  that with over 650,000 Defined Contribution Plans in force in America covering over 88 million Americans, the 401(k) is by far the most popular and predominant retirement savings vehicle in this country.   Alas a myriad of...

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