Fifty-seven percent of American workers have saved less than $25,000 for retirement, and 28% have saved less than $1,000.

Source: Employee Benefit Research Institute, 2015

Will you outlive your retirement income? Are your financial expectations for the coming year realistic?

Our financial newsletters are designed to provide helpful information on a wide variety of financial topics. Simply click on one of the newsletter topics below to read the article in its entirety.


  • Dividends as a Growth Strategy

    A study by S&P found that dividend income represented 34% of the monthly total return of the S&P 500 index from 1927 through 2012.

  • Controlling Health Insurance Costs

    An HDHP paired with a health savings account may offer tax advantages and could help save money on medical costs.

  • Understanding RMDs

    The rules for taking required minimum distributions are explained. Plus: an illustration of how RMDs work.

  • Going Solo

    Strategies to help freelancers in covering health-care costs, meeting tax requirements, and saving for retirement.

  • Using Life Insurance to Retain MVPs

    An executive bonus plan funded with cash-value life insurance could be used to attract, reward, and retain valuable employees.



  • Inheriting an IRA

    If you’ve inherited an IRA or might inherit one in the future, it’s important to understand your options.

  • Investing in Your Values

    More investors are considering their values, social as well as environmental, when making investment decisions.

  • Do You Need Disability Insurance?

    In 2013, 59% of new disability claims were for people 50 and older and it often takes more time for them to recover.

  • Women May Need More Life Insurance

    While women make up more than half of the U.S. labor force, about 43% of women don’t have life insurance.





  • Are You an Investor or a Speculator?

    Investor or speculator? The importance of committing to a long-term strategy based on sound investment principles.

  • Highly Appreciated Giving

    A charitable remainder trust may enable donors to give appreciated assets to a favorite charity on a tax-free basis.

  • Studying the Earnings Test

    The retirement earnings test reduces Social Security benefits for younger beneficiaries whose earnings exceed annual levels.

  • The Roundabout Way to a Roth IRA

    A 2014 IRS ruling makes it easier for taxpayers to move after-tax 401(k) contributions directly to a Roth IRA.

  • Cyber Crime on the Rise

    Data breaches at large retailers have dominated the news, but cyber crimes also threaten small businesses.






  • Adding Real Estate to Your Portfolio

    An overview of the potential benefits and risks of REITs, and how real estate investments might help provide portfolio balance.

  • Who Controls the Cash?

    Results of a recent survey on couples and money management, plus suggestions for forging a stronger financial partnership.

  • Guarding Against Fraud

    Three basic principles that could help consumers spot a fraudulent scheme.

  • Watching for Inflation

    Fed officials eventually need to decide when to tighten monetary policy and raise the benchmark interest rate.

  • Health-Care Update

    Information about the Affordable Care Act’s employer mandate for small businesses, including tax credits and SHOP.