Archive test

  • What you need to know about Plan F and Plan G. Provided by Tyler Peachey As many may recall, seniors who previously enrolled in Medicare are facing some changes. Medigap Plan F might not be sold after

  • Managing Your Emotions. Provided by Tyler Peachey 45% of consumers with $100,000 or more investable assets expect to make changes to their investments due to the upcoming 2020 presidential election.1

  • Six areas of personal finance to review. Provided by Tyler Peachey When training to become a financial professional, much of our course work centers on the six critical areas of creating a financial s

  • What you need to know to get ready for the end of the year. Provided by Tyler Peachey With one year ending and a new one on the cusp of starting, many people will consider their resolutions—not their

  • Getting started with you household budget. Provided by Tyler Peachey Budgeting towards needs and goals. One of the objectives of creating a household budget is that, as time moves on and the various h

  • America is “ready for football,” while financial professionals are ready for volatility. Provided by Tyler Peachey Football is back, which means Summer is coming to a close, days will get shorter, and

  • What the Fed’s new policy may mean for you. Provided by Tyler Peachey Most recently, you may have read that Federal Reserve Chair Jerome Powell announced a change in how the Fed views inflation. In th

  • What you should know about the change. Provided by Tyler Peachey The Dow Jones Industrial Average (DJIA), one of the most widely followed stock market indices, has made some key changes to its startin

  • Here’s what the recent rally could mean for you. Provided by Tyler Peachey Some people in recent weeks may have been feeling that “the stock market seems to be doing so well but I’m not participating.

  • Important facts and a date to remember. Provided by Tyler Peachey Are you one of the many retirement account holders who took a mandatory distribution this year? If so, you may be able to manage the t

  • It depends on your goals, time horizon, and risk tolerance. Provided by Tyler Peachey “Will I outlive my retirement money?” That’s one of the top fears for people who are starting to

  • Market sees historic lows in mortgage rates. Provided by Tyler Peachey On July 16, mortgage giant Freddie Mac announced that the average interest rate for a 30-year home loan had fallen to 2.98%. In a

  • Investors may be eligible to “undo” certain retirement account withdrawals before September. Provided by Tyler Peachey In March, the Coronavirus Aid, Relief, and Economic Security (CARES) Act became l

  • Some good reasons to retain it. Provided by Tyler Peachey Do you need a life insurance policy in retirement? One school of thought says no. The kids are grown, and the need to financially insulate the

  • Driver history is just one factor; there are many others. Provided by Tyler Peachey Your auto insurance premium is based on more than your driving history. The amount you pay for auto insurance is det

  • A few things you may want to think about before filing for benefits. Provided by Tyler Peachey Whether you want to leave work at 62, 67, or 72, claiming the retirement benefits you are entitled to by

  • The SECURE Act and CARES Act may complicate the decision.Provided by Tyler Peachey As a small-business owner, figuring out retirement choices can be a little intimidating. How do you pick the most app

  • Exploring your extended care options may be wise at this time. Provided by Tyler Peachey Given the threat of COVID-19, seniors today may be considering their extended care alternatives with extra caut

  • If you make too much money to open a Roth IRA, you could create one this way. Provided by Tyler Peachey You can sum up the appeal of a Roth IRA in three words: federal tax benefit. Potential earnings

  • What it is, and why it’s important. Provided by Tyler Peachey Did you know that May is Disability Insurance Awareness Month? First started in 2007, the month of May was the first time that infor

  • How does it work? What should you do? Provided by Tyler Peachey Are you or someone you know currently making federal student loan payments? In light of the COVID-19 pandemic, some welcome relief may b

  • What you should know about them. Provided by Tyler Peachey Individuals hold about $2.2 trillion in annuity contracts; a tidy sum considering an estimated $9.2 trillion is held in all types of IRAs.1 A

  • What they are. How they help. Provided by Tyler Peachey In response to the COVID-19 pandemic, almost every state in America is under some sort of stay-at-home order. This unprecedented time has also l

  • Is it right for you? Provided by Tyler Peachey The COVID-19 pandemic has shaken up nearly every aspect of American life. To say it’s been a difficult time would be an understatement.  However, di

  • Prepare now to better protect your business in the future. Provided by Tyler Peachey As a business owner, you’ve worked hard for your success. The long hours, the difficult decisions, and the sacrific

  • Distributions can be waived in 2020 for Inherited Accounts, 401(k)s, and IRAs. Provided by Tyler Peachey Recently, the $2 trillion “Coronavirus Aid, Relief, and Economic Security” (“CARES”) Act was si

  • The earlier you start pursuing financial goals, the better your outcome may be. Provided by Tyler Peachey As a young investor, you have a powerful ally on your side: time. When you start investing in

  • A practical financial checklist for the future. Provided by Tyler Peachey When our parents retired, living to 75 amounted to a nice long life, and Social Security was often supplemented by a pension.

  • Why do so many people choose them over traditional IRAs? Provided by Tyler Peachey The IRA that changed the whole retirement savings perspective. Since the Roth IRA was introduced in 1998, its popular

  • Focusing on Your Strategy During Turbulent Times. Provided by Tyler Peachey Investors are people, and people are often impatient. No one likes to wait in line or wait longer than they have to for some

  • See if you are prepared to begin your retirement by answering four key questions. Provided by Tyler Peachey How do you know you are psychologically ready to retire? As a start, ask yourself four quest

  • Why are they made again and again? Provided by Tyler Peachey Much is out there about the classic financial mistakes that plague start-ups, family businesses, corporations, and charities. Aside from th

  • Things you can do for your future as the year unfolds. Provided by Tyler Peachey What financial, business, or life priorities do you need to address for the coming year? Now is a good time to think ab

  • A look at where stocks were in 2009 and how they have performed since. Provided by Tyler Peachey Where were you on March 9, 2009? Do you remember the headwinds hitting Wall Street then? When the closi

  • Socially responsible investment strategies and you. Provided by Tyler Peachey SRI (Socially Responsible Investing), Impact Investing, and ESG (Environmental, Social, and Governance) Investing belong t

  • Long-established retirement account rules change. Provided by Tyler Peachey The Setting Every Community Up for Retirement Enhancement (SECURE) Act is now law. With it, comes some of the biggest change

  • Changes for 2020. Provided by Tyler Peachey The I.R.S. just increased the annual contribution limits on IRAs, 401(k)s, and other widely used retirement plan accounts for 2020. Here’s a quick look at t

  • Don’t fall for these misconceptions. Provided by Tyler Peachey Financial generalizations are as old as time. Some have been around for decades, while others have only recently joined their ranks. Let’

  • How much do you know about the different coverage options?                                     Provided by Tyler PeacheyMedicare’s open enrollment period runs through December 7. If you are enrolling

  • What steps might help you sustain and grow your retirement savings? Provided by Tyler Peachey “What is your greatest retirement fear?” If you ask any group of retirees and pre-retirees this question,

  • Thinking about coverage as you enter a new phase. Provided by Tyler Peachey With the children now out of the house, financial priorities become more focused on preparing for retirement. At this stage,

  • How to check for problems. Provided by Tyler Peachey Americans aged 45 to 54, who have credit card balances, carry an average debt of $9,096 per individual.1 The wise use of credit is a critical skill

  • Here are some things you might consider before saying goodbye to 2019.  Provided by Tyler Peachey What has changed for you in 2019? Did you start a new job or leave a job behind? Did you retire?

  • Should investors make regular adjustments? Provided by Tyler Peachey Everyone loves a winner. If an investment is successful, most people naturally want to stick with it. But is that the best approach

  • Things you can do for your future as the year unfolds. Provided by Tyler Peachey What financial, business, or life priorities do you need to address for the coming year? Now is a good time to think ab

  • Three different approaches. Provided by Tyler Peachey The majority of stock market analysis can be lumped into three broad groups: fundamental, technical, and sentimental. Here’s a closer look at each

  • Some things to consider. Provided by Tyler Peachey During your accumulation years, you may have categorized your risk as “conservative,” “moderate,” or “aggressive,” and that guided how your portfolio

  • Considering coverage for your household. Provided by Tyler Peachey A growing family, by definition, means growing financial obligations – both in the present and in the future. Raising children can in

  • Global mutual funds vs. international mutual funds. Provided by Tyler Peachey For investors who are looking to diversify their portfolio with exposure to companies located outside the U.S., there exis

  • A good professional provides important guidance and insight through the years. Provided by Tyler Peachey What kind of role can a financial professional play for an investor? The answer: a very importa

  • The important question: Are you prepared? Provided by Tyler Peachey Addressing the potential threat of long-term care expenses may be one of the biggest financial challenges for individuals who are de

  • A way to help you prepare. Provided by Tyler Peachey The baby boomers redefined everything they touched, from music to marriage to parenting and even what “old” means – 60 is the new 50! Longer, healt

  • The hows and whys of college savings. Provided by Tyler Peachey The American family with a child born today can expect to spend about $233,610 to raise that child to the age of 18. And if you’ve alrea

  • Express your wishes. Provided by Tyler Peachey Actor Lee Marvin once said, “As soon as people see my face on a movie screen, they [know] two things: first, I’m not going to get the girl, and second, I

  • A longer repayment time can be an advantage. Provided by Tyler Peachey The conventional wisdom about taking a loan from your 401(k) plan is often boiled down to: not unless absolutely necessary. That

  • Avoid these situations, if you can. Provided by Tyler Peachey Pursuing your retirement dreams is challenging enough without making some common, and very avoidable, mistakes. Here are eight big mistake

  • What are they? Why are they important? Provided by Tyler Peachey A self-fulfilling policy. An investment policy statement (IPS) is a document which helps the client and advisor stay “on the same page”

  • Now is a good time to think about a few financial matters. Provided by Tyler Peachey Consider making tax moves earlier rather than later. If you own a business, earn significant investment income, are

  • A radical new approach to working, saving, and retiring. Provided by Tyler Peachey Retire before 50 and live your best life. That is the message of the FIRE (Financial Independence, Retire Early) move

  • Beneficial moves for every age. Provided by Tyler Peachey Have you ever mapped out your financial timeline? If you’re like many Americans, it may have been more difficult than anticipated. One helpful

  • Not making a move may not always be the best move to make. Provided by Tyler Peachey A decision not made may have financial consequences. Sometimes, we fall prey to a kind of money paralysis, in which

  • Supporting family can put a crimp in your strategy. Provided by Tyler Peachey Families are one of the great joys in life, and part of the love you show to your family is making sure that their basic n

  • Delegating responsibilities to others may lead to problems down the road. Provided by Tyler Peachey When you are putting together a household, it isn’t unusual to delegate responsibilities. One spouse

  • Even the most seasoned investors are prone to their influence. Provided by Tyler Peachey Investors are routinely warned about allowing their emotions to influence their decisions.  They are less

  • When to start? Should I continue to work? How can I maximize my benefit? Provided by Tyler Peachey Social Security will be a critical component of your financial strategy in retirement, so before you

  • Don’t let procrastination keep you from pursuing your financial goals. Provided by Tyler Peachey Some of us share a common experience. You’re driving along when a police cruiser pulls up behind

  • The five phases of life after 50 & the considerations that accompany them. Provided by Tyler Peachey The journey to and through retirement occurs gradually, like successive chapters in a book. Eac

  • If anything happens to you, your family has someone to consult. Provided by Tyler Peachey If you weren’t around, what would happen to your investments? In many families, one person handles investment

  • It might be better to wait a bit longer. Provided by Tyler Peachey Some people retire at first opportunity, only to wish they had waited longer. Your financial strategy likely considers normal financi

  • It may seem like a tall order, but it can be accomplished. Provided by Provided by Tyler Peachey Put yourself steps ahead of your peers. If you have a young, growing family, no doubt your to-do list i

  • What steps might help you sustain and grow your retirement savings? Provided by Provided by Tyler Peachey “What is your greatest retirement fear?” If you ask any group of retirees and pre-retirees thi

  • Like a chess grandmaster, it’s worth thinking a few moves ahead. Provided by Tyler Peachey Thinking about retirement might seem unpleasant. As you budget your monthly bills, you might feel as if you s

  • Creating a strategy for success. Provided by Provided by Tyler Peachey Run the numbers. There is a rule of thumb for retirees suggesting that retirement income has a target of 70-80% of the household’

  • A look at some ways to get ready. Provided by Provided by Tyler Peachey Are Americans saving enough? Only 19% of U.S. adults describe themselves as “very confident” when asked about their savings. Wor

  • Facts about the federal Old-Age, Survivors, and Disability Insurance (OASDI) program. Provided by Provided by Tyler Peachey Social Security has been a pillar of retirement life for several decades, bu

  • Explaining these ubiquitous forms and their uses. Provided by Provided by Tyler Peachey What is a 1099 form? This is a record of payment from an individual or entity, showing a payment, generated for

  • Preparing for college means setting goals. Provided by Provided by Tyler Peachey Most parents want to give their children the best opportunity for success and getting into the right college may help o

  • An emergency fund may help alleviate the stress associated with a financial crisis. Provided by Provided by Tyler Peachey Have you ever had one of those months? The water heater stops heating, the dis

  • A financial checklist for the most difficult of times. Provided by Provided by Tyler Peachey The passing of a loved one irrevocably alters family life. After a death, there is so much to attend to; it

  • What all new and prospective homeowners need to know. Provided by Provided by Tyler Peachey If you arrange a mortgage, your lender will want you to have homeowners insurance. This coverage is critical

  • Being healthy not only makes you feel good, it may also help you financially. Provided by Provided by Tyler Peachey We constantly hear how important it is to maintain a healthy lifestyle. That is not

  • Building wealth requires protection from the forces of wealth destruction. Provided by Provided by Tyler Peachey When you are planning for your future, what do you think about? You may think about you

  • The steps you may need to take to fulfill a major responsibility. Provided by Tyler Peachey If you are an executor to an estate, you must carry out your duties responsibly. Fulfilling these duties is

  • Follow the rules, and you might get a big federal tax break.   Provided by Provided by Tyler Peachey   Is your annual IRA withdrawal a bother? If you are an affluent retiree, that might be the case. T

  • Take note of them for 2019.   Provided by Tyler Peachey      Some notable developments are about to impact 401(k) plans. They follow a major change that became effective in 2018. Thanks to the Tax Cut

  • An underappreciated fundamental in financial planning.   Provided by Tyler Peachey                         You’ve probably heard the saying that “cash is king,” and that truth applies whether you own

  • Start your “second act” with inadequate assets, and your vision of the future may be revised.   Provided by Tyler Peachey      How much have you saved for retirement? Are you on pace to amass a retire

  • Watch out for crooks impersonating I.R.S. agents (and financial industry professionals).   Provided by Tyler Peachey     Do you know how the Internal Revenue Service contacts taxpayers to resolve a pr

  • That truth must always be recognized.   Provided by Tyler Peachey                         When financial markets have a bad day, week, or month, discomforting headlines and data can swiftly communicat

  • As you start a family, consider these ideas.     Provided by Tyler Peachey   Being a parent means being responsible to a degree you never have been before. That elevated responsibility also impacts yo

  • There is really no reason to wait.   Provided by Tyler Peachey      October is here – the ideal time for college students to apply for financial aid. October 1, in fact, marks the first day a cur

  • To find out, look closely at two factors.   Provided by Tyler Peachey   Your Social Security income could be taxed. That may seem unfair or unfathomable. Regardless of how you feel about it, it is a p

  • It seems high time to dispel some of these misconceptions.   Provided by Tyler Peachey   Generalizations about money and retirement linger. Some have been around for decades, and some new clichés have

  • Fall is a good time to assess where you stand and where you could be.   Provided by Tyler Peachey   You need not wait for 2019 to plan improvements to your finances. You can begin now. The last few mo

  • More people ought to know about them.   Provided by Tyler Peachey   There are a number of well-known retirement savings vehicles, used by millions. Are there other, relatively obscure retirement savin

  • Someday, you or your parents could be at risk.   Provided by Tyler Peachey  You may know victims of financial elder abuse. According to a new Wells Fargo Elder Needs Survey, almost half of Americans d

  • Like an emergency fund, it can come in handy.   Provided by Tyler Peachey   Sometimes, life gets expensive. A little bad luck or a twist of fate can hit us right in the checkbook and challenge us to l

  • Now is a good time to think about a few financial matters.   Provided by Tyler Peachey   Making changes earlier rather than later. If you own a business, earn a good deal of investment income, are rec

  • The nature of our economy could help it withstand the disruption.   Provided by Tyler Peachey   A trade war does seem to be getting underway. Investors around the world see headwinds arising from newl

  • Before you enroll, take note of what the insurance does not cover and the changes ahead.   Provided by Tyler Peachey   Misconceptions about Medicare coverage abound. Our national health insurance prog

  • Now is the time to explore the possibilities.   Provided by Tyler Peachey   Grandparents Day provides a reminder of the bond between grandparents and grandchildren and the importance of family legacie

  • You may be surprised to learn about the potential relationship.   Provided by Tyler Peachey   Does your credit history partly determine the cost of your life insurance? It may. The potential for such

  • Federal law says you can, but you may want to think twice about it.   Provided by Tyler Peachey    When President Trump signed the Tax Cuts & Jobs Act into law late in 2017, new possibilities emer

  •   This vital investment account question should be answered sooner rather than later.   Provided by Tyler Peachey    Investment firms have a new client service requirement. They must now ask you

  • Paying them down and managing their financial impact.   Provided by Tyler Peachey   Is student loan debt weighing on the economy? Probably. Total student loan debt in America is now around $1.5 trilli

  • Why a middle-class woman may end up less ready to retire than a middle-class man.   Provided by Tyler Peachey   What is the retirement outlook for the average fifty-something working woman? As a gener

  • There are incidents that standard policies may not cover.   Provided by Tyler Peachey    No insurance policy will protect you from everything. Even the most comprehensive umbrella liability policy has

  • Basic estate planning documents may not communicate your intentions.   Provided by Tyler Peachey   There are three degrees of estate planning: advanced, basic, and none at all. Basic is better than no

  • Shop wisely when you look for coverage.   Provided by Tyler Peachey   Are you about to buy life insurance? Shop carefully. Make your choice with insight from an insurance professional, as it may help

  • What steps can a family take?   Provided by Tyler Peachey   Besides impacting lives and relationships, dementia can also impact family finances. It may call for another family member to assume money m

  • Why an early start (and accepting some risk) matters.   Provided by Tyler Peachey   Are you on track to save $1 million or more for retirement? If you are 50 or younger, you may need that much in savi

  • Sometimes more money can mean more problems. Provided by Tyler Peachey   “Lifestyle creep” is an unusual phrase describing an all-too-common problem: the more money people earn, the more money th

  • They are all too common. Provided by Tyler Peachey   Many households think they are planning carefully for retirement. In many cases, they are not. Weak spots in their retirement planning and sav

  • Turn your intent into a commitment.   Provided by Tyler Peachey   Goals give you focus. To find and establish your investing and saving goals, first ask yourself what you want to accomplish. Do you wa

  • A primer for parents and grandparents.   Provided by Tyler Peachey   A university education can often require financing and assuming debt. If your student fills out the Free Application for Federal St

  • If you are starting at or near 50, consider these ideas. Provided by Tyler Peachey Do you fear you are saving for retirement too late? Plan to address that anxiety with some positive financial moves.