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The 4% Withdrawal Rule in Retirement: Is It a Bad Idea?

By Amanda McFarlane | September 24, 2021

One of retirees’ greatest fears is running out of money.1,2 Some of the key questions as you prepare for retirement are, how much money will I need to retire? Will my money last through my lifetime? How much can I safely withdraw every year so that I don’t run out…

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Required Minimum Distribution: What It Is and How to Calculate It

By Amanda McFarlane | September 17, 2021

Required minimum distributions are important to your overall income strategy in retirement, but the rules can be complex, especially if you have multiple retirement accounts. Read on for more about what a required minimum distribution is, how to calculate it, and special exceptions for taking an RMD. What Is a…

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Diversification: What It Is and Why It Matters to Your Portfolio—and Financial Future

By Amanda McFarlane | September 10, 2021

The stock market and investing, in general, can come with high highs and stomach-churning lows. Knowing where to invest your money and how much to invest is a complicated interplay of many factors—investing most or all of your money in one security or stock means you’re fully exposed to the…

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How to Improve Your Credit Score

By Amanda McFarlane | August 27, 2021

Your credit score has a significant impact on your ability to meet your financial and other life goals. A good credit score makes life a little easier and more affordable—you’re more likely to get approved for loans with lower interest rates, meaning lower payments and more money in your pocket.…

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How to Avoid Emotional Investing

By Amanda McFarlane | August 20, 2021

Money is personal—there’s no denying that. You’ve worked hard for it, and it touches nearly every aspect of your life. In the same vein, emotions are ever-present in our lives and affect almost every decision, reaction, and situation we encounter. Market changes, volatility, and chasing gains can cause disappointment, frustration,…

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What Is a Credit Score and Why Is It Important to Your Financial Future

By Amanda McFarlane | August 13, 2021

Your credit score has a significant impact on many aspects of your life—your ability to obtain a credit card, mortgage, or other loans, loan interest rates and terms, and sometimes whether you can rent an apartment or how much you’ll pay for a deposit on your lease or other utilities…

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Reverse Mortgages: What They Are and If They’re Right for You

By Amanda McFarlane | August 6, 2021

Millions of Americans are entering retirement encumbered with mortgages. The proportion of homeowners aged 65+ who still carry a mortgage doubled over the last 30 years—from 21% in 1989 to 42% in 2019. The median loan balance increased to $86,000 in 2019 from $18,000 in 1989. Lastly, and maybe more…

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What Are Advance Healthcare Directives and Why Do I Need Them?

By Ryan Schiffilea | July 23, 2021

Preparing for end-of-life care and decisions is uncomfortable and can feel morbid. Still, preparation can ultimately be a comfort to you and your family if and when the time comes to carry out those directives. The U.S. population continues to age, and medical innovations are prolonging lifespans.  This means that…

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