Many people estimate their lifespan based on their parents’ experiences, often overlooking generational gains in longevity. As a result, Americans frequently underestimate how long they’ll live and may save less than they need to. Even modest increases in lifespan can significantly affect outcomes. For example, extending a retirement horizon from 30 to 35 years […]
Financial Planning
Exploring Long-Term Care Insurance Options Before You Need To
An estimated 70% of people over the age of 65 require some long-term care during their lives. How can you prepare if you’re one of them? To begin, it’s important to understand what long-term care insurance can and cannot provide. Long-term care insurance provides those with chronic illnesses or disabilities with ongoing care over […]
Should You Close That Unused Credit Card Account?
Several factors impact your three-digit FICO credit score. The most important thing is your history of paying specific bills on time each month. Your mortgage, auto, student, and personal loan payments are reported to the national credit bureaus of Experian, Equifax, and TransUnion. So are your credit card payments. Paying these on time each […]
IRS Gives Guidance on Getting Ready For the 2026 Tax Season
The IRS Get Ready campaign offers tips, reminders, and new information on what you need to prepare for the 2026 tax filing season. Among the changes and additions the OBBBA brings are tax deductions for tips, overtime, car loan interest, and seniors. Here are tips to prepare for filing season: Get a head start […]
Top Tips for Multi-Generational Estate Planning
Multi-generational estate planning looks beyond a single transfer of assets. You are planning for children, grandchildren, and sometimes future beneficiaries who have not yet been born. That longer time horizon changes how decisions are made and which risks deserve attention. Assets must move according to your instructions while remaining protected from mismanagement, creditor exposure, family […]
Saving for Retirement: What’s Enough?
According to the Federal Reserve, nearly half of households with members between 50 and 64 years of age have less than $10,000 in retirement savings. If you’re in this group, you’ll likely need to save more, but how much is enough? Experts at Fidelity Investments urge its clients to save 10 times their income […]
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