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Business Cents: Tell beneficiaries about your accounts, policies

By Garrett German Will your heirs receive a fair share of your wealth? Will your invested assets go where you want them to when you die? If you have a proper will or estate plan in place, you will likely answer “yes” to both of those questions. The beneficiary forms you filled out years ago […]

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Life Insurance Is Probably Cheaper Than You Think

Provided by Garrett German According to a new study, 41% of Americans lack life insurance coverage. The 2017 Insurance Barometer Study, conducted by the nonprofit organizations LIMRA and Life Happens, also discovered that while 84% of Americans felt life insurance was appropriate for most people, just 70% thought it was a good idea for them. […]

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Avoid These Life Insurance Missteps

Provided by Garrett German Are you about to buy life insurance? Shop carefully. Make your choice with insight from an insurance professional, as it may help you avoid some of these all-too-common missteps. Buying the first policy you see. Anyone interested in life insurance should take the time to compare a few plans – not […]

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Business Cents: The Sequence of Returns

Provided by Garrett German What exactly is the “sequence of returns”? The phrase simply describes the yearly variation in an investment portfolio’s rate of return. Across 20 or 30 years of saving and investing for the future, what kind of impact do these deviations from the average return have on a portfolio’s final value?  The […]

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Should You Pay Off Your Home Before You Retire?

Provided by Garrett German  Should you own your home free and clear before you retire? At first glance, the answer would seem to be “absolutely, if at all possible.” Retiring with less debt … isn’t that a good thing? Why not make a few extra mortgage payments to get the job done? In reality, things […]

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The Retirement Gender Gap

Provided by Garrett German What is the retirement outlook for the average fifty-something working woman? As a generalization, less sunny than that of a man in her age group. Most middle-class retirees get their income from three sources. An influential 2016 National Institute on Retirement Security study called them the “three-legged stool” of retirement. Social […]

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Business Cents: The Retirement Mindgame

Provided by Garrett German What kind of retirement do you think you’ll have? Qualitatively speaking, what if the success or failure of your retirement begins with your perception of retirement? A whole field of study has emerged on the psychology of saving, spending, and investing: behavioral finance. Since retirement saving is a behavior (and since […]

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Business Cents: Retirement Planning Weak Spots

Provided by Garrett German Many households think they are planning carefully for retirement. In many cases, they are not. Weak spots in their retirement planning and saving may go unnoticed.  Couples should recognize that they may face major medical expenses. Each year, Fidelity Investments estimates how much a pair of newly retired 65-year-olds will spend […]

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