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Let’s dive into the financial realities of the United States by focusing on the website USDebtClock.org. This site provides real-time data on national finances, including the ever-increasing national debt. As of today, the U.S. national debt stands at about $34.6 trillion, a steep increase from $27 trillion just three years
For years, target-date funds have been a popular choice for retirement investors. The appeal is clear: invest in a target-date fund, and a manager will adjust your asset allocation as you approach retirement, so you don’t have to. Often marketed as “set-it-and-forget-it” options, they are akin to the slow cooker
Investing in a 401(k) is a strategy many adopt with the hope of growing their savings over time. However, fluctuations in the market mean that the value of these investments doesn’t always increase. Seeing your 401(k) balance drop can be disheartening and might prompt a knee-jerk reaction to liquidate your
Navigating the road to a financially secure retirement involves mastering the art of tax minimization on your retirement accounts. For many, IRAs and 401(k)s constitute the backbone of their retirement savings. However, without a strategic approach, you could find yourself handing over a significant portion of your savings to taxes.
After the year has drawn to a close, you find yourself at the perfect time for a thorough review of your financial well-being, especially concerning your retirement planning. This annual evaluation is crucial for ensuring that your golden years will be as comfortable and secure as you envision. Here’s a
In today’s unpredictable economic climate, relying on a single source of income, especially during retirement, can be a precarious strategy. Traditional sources like pensions and Social Security are increasingly seen as less reliable for a host of reasons. Here, we delve into the vulnerabilities associated with depending on singular income
When it comes to retirement planning, there are a lot of options available to help you secure your financial future. One of the most popular options is a life insurance retirement plan (LIRP). A LIRP is a type of retirement plan that allows you to invest in life insurance policies to build
Life insurance is a vital part of many people’s financial plans. And it’s a necessary step when applying for a LIRP. Insurance provides security and peace of mind in the event of a tragedy, and can provide financial stability for your family in the future. One of the most important
Are you looking for a way to take control of your investments while also leveraging an expert understanding of the markets? Non-discretionary portfolio management may be the answer you’ve been searching for. Non-discretionary portfolio management goes beyond the traditional “buy-and-hold” model and allows investors to take a more active approach
Retirement planning is an important part of any financial portfolio. Having a good life insurance plan is a great way to access tax free funds and provide for your family in the event of your untimely death. With so many different types and structures of life insurance available, it can
Do you know if your LIRP (Life Insurance Retirement Plan) is properly structured to maximize cash value while reducing your tax burden? Working with a professional who is an expert with the LIRP will ensure that you have the proper structure. In this article you will learn the best ways
When it comes to investing money, it can be hard to know where to start. To make things even more difficult, there are also numerous different types of investments that you need to consider before making your choice, especially as it fits within your broader retirement strategy. It’s easy to
Today’s modern insurance policy is not just a piece of paper you sign and throw away. Modern policies are full of riders and amendments that give the user the power to change the original document as need arises. One such rider is an insurance policy conversion rider. It’s a specific
In this article, we will explain what indexed universal life insurance is and how it can help you reach your retirement goals. Let’s first start with the basics. Universal life insurance is a permanent life insurance policy that has cash value, which means it has an investment component to it.
When you invest in an insurance company, it’s vital for you to understand how the health of an insurance company is measured via a solvency ratio. If the insurance company cannot pay its bills or its obligations when they come due, it is insolvent. Reducing risk of investing in insurance
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