Newsletters

Fourty-seven percent of American workers have saved less than $25,000 for retirement, and 24% have saved less than $1,000.¹
Source: Employee Benefit Research Institute, 2017

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.

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• January

  HOT TOPIC: The Fed Pivots to Fight Inflation
  This article looks at the strategy behind the Fed’s monetary policy shift and the potential consequences for consumers, investors, and the economy.

  401(k) and IRA: A Combined Savings Strategy
  Do you know the differences between a 401(k) and an IRA? Find out how they might work together to boost your retirement assets.

  Charitable Giving Can Be a Family Affair
  Discover four ways to incorporate charitable giving into an overall financial plan that fulfills a family’s wish to “give back.”

  Your Social Security Statement: What’s in It for You?
  This article explains some of the key information provided on a personalized Social Security Statement.

  Looking Back, Looking Forward
  See the indicators economists rely on to understand the past, present, and potential future direction of the economy.

  Going Public: How Are Direct Listings Different from IPOs?
  Do you know the difference between an IPO and a direct listing? This article explores the two paths companies can take to go public.

• December

  HOT TOPIC: Supply-Chain Chaos: Holiday Edition
  Explore current economic conditions and retail trends, including sharply higher prices and the potential for sporadic product delays and shortages.

  Should You Speed Up Your Retirement Plans?
  The pandemic caused some Americans to file for Social Security earlier than planned. See four factors to consider before retiring early.

  Year-End 2021 Tax Tips
  This article outlines various tax-related financial moves to consider before the end of the calendar year.

  Balancing Medicare and Work-Based Insurance
  Read about rules and other considerations faced by workers who are eligible for both Medicare and employer-based health insurance.

  Is Your Business Eligible for the Research and Development Tax Credit?
  U.S. business owners who spent money to develop new products or improve existing products or trade processes may qualify for the federal R&D tax credit.

  Catalytic Converter Thefts Are on the Rise: Here’s Why
  Find out why catalytic converters are targeted by thieves and how comprehensive auto insurance can help provide some financial protection.

• November

  HOT TOPIC: The Budget and the Debt Ceiling: Round 2
  Read an overview of the budget, the debt ceiling, and the potential consequences if Congress doesn’t take timely action to fund federal government operations.

  Net Price Calculators Help Gauge College Affordability
  Did you know a net price calculator can help measure a college’s true cost? Discover how it provides an estimate of how much grant aid a student might expect.

  Is a High-Deductible Health Plan Right for You?
  What distinguishes HDHPs from preferred provider organizations (PPOs)? Learn about some key differences between the plans.

  Women Face Challenges in a Post-Pandemic World
  As the COVID-19 crisis eases its grip on the economy, here are some ideas to help women reexamine their retirement planning strategies.

  Do You Have a Tax-Smart Withdrawal Strategy?
  Explore the tax treatment of different types of retirement accounts and the tax consequences of withdrawals, especially from multiple accounts.

• October

  HOT TOPIC: Social Security’s Uncertain Future: What You Should Know
  This article explores demographic trends that are dimming Social Security’s financial outlook and proposals to address the looming shortfall.

  Four Reasons to Review Your Life Insurance Needs
  This article looks at major life events and the need to review your life insurance coverage in light of changing circumstances.

  Grandparent 529 Plans Get a Boost Under New FAFSA Rules
  Read how the FAFSA Simplification Act helps grandparents assist with college costs without impacting their grandchildren’s financial aid.

  A Map for Your Family
  A letter of instruction could be just as important as a will to help loved ones settle an estate. Do you know what information to include?

  Credit Scores Reach Record High
  This article discusses the components that determine your credit score and provides tips for maintaining a high score or raising a low one.

  Fund Retirement and Reward Workers with a Cash Balance Plan
  Do you know how cash balance retirement plans can help small business owners reduce taxable income and catch up on their savings? Find out.

• September

  HOT TOPIC: Too Hot to Handle: What’s Ahead for the U.S. Housing Market?
  Explore some key factors between the housing squeeze and recent signs that suggest it may be easing.

  Signs of a Scam…and How to Resist It
  Discover four common practices that might help you identify and avoid scams.

  Child Tax Credit for 2021: Will You Get More?
  This article discusses substantial, temporary improvements to the child tax credit due to The American Rescue Plan Act of 2021.

  A More Affordable Life Insurance Solution
  Thinking of letting your life insurance policy expire? Learn about survivorship life, which may be more affordable for older consumers.

  Following the Inflation Debate
  See how measures economists and Fed policymakers use to monitor inflation fuel the debate over how long 2021’s price increases will last.

  What a Relief! Congress Acts Against Surprise Medical Bills
  Have you heard of the No Surprises Act? Taking effect in 2022, it helps protect consumers from large, unexpected medical bills. Learn more.

• August

  HOT TOPIC: Antitrust Crackdown Aims to Increase Competition
  See how an executive order to curb excessive consolidation of industry might affect consumers, small businesses, investors, and the economy.

  Don’t Let Debt Derail Your Retirement
  This article looks at high debt levels among older Americans and why it’s important to analyze and address debt before retirement.

  International Investing: Opportunity Overseas?
  Some analysts believe foreign stocks may be poised for a comeback. Read about opportunities and risks involved with international stocks.

  Concerned About Inflation? Consider TIPS
  Do you understand how Treasury Inflation-Protected Securities can help mitigate inflation risk? This article provides an overview.

  Company Stock and Your Retirement Strategy
  This article addresses specific risks and tax implications when acquiring company stock inside or outside of a workplace retirement plan.

  Crisis Averted? Financial Help for Struggling Renters and Landlords
  Read about programs that help both landlords and tenants by providing direct housing assistance for eligible renters.

• July

  HOT TOPIC: Hostage Data: Ransomware and Protecting Your Digital Information
  This article provides an overview of high-profile ransomware attacks and offers tips to help consumers protect their own data.

  Considerations When Making Gifts to Children
  This article provides an overview of tax provisions and other issues to consider when making significant gifts to children or grandchildren.

  A Steady Strategy
  Discover how dollar-cost averaging may help alleviate some market concerns by making regular investments regardless of market movements.

  Pension or Lump Sum: Which Should You Choose?
  Do you know the key factors to consider if offered an option to take a lump sum in lieu of a pension? Read this article to find out.

  Stock Market Risks in the Spotlight
  Find out how inflation and interest-rate fears, regulatory or legislative action, and other factors could influence stock prices in 2021.

  Bankruptcy Changes Throw a Lifeline to Sinking Small Businesses
  Many requirements that made it difficult and expensive for small businesses to reorganize using Chapter 11 have been loosened. Learn more.

• June

  HOT TOPIC: Shortages and Bottlenecks Expose Weak Links in U.S. Supply Chains
  As a consumer, have you noticed shortages? Here are some of the reasons behind supply-chain problems and how they might impact the economy.

  New Changes to College Financial Aid and Education Tax Benefits
  The Consolidated Appropriations Act, 2021, included several provisions affecting financial aid and education. Learn more.

  How Well Do You Understand Retirement Plan Rules?
  From IRAs to 401(k)s, qualified retirement plans can be complex. This short quiz tests readers’ knowledge of a few of the finer points.

  Is the Medicare Donut Hole Really Closed?
  This article explains the four stages of Part D prescription drug coverage and how prices can vary in the coverage gap.

  Corporate Debt: Are Juicier Yields Worth the Extra Risk?
  This article discusses corporate credit ratings and some differences between investment-grade and speculative-grade bonds.

  Your Business: New Rules for Writing Off Restaurant Meals
  The December 2020 stimulus bill lets businesses deduct the full cost of restaurant meals in tax years 2021 and 2022. Get the details.

• May

  Real Estate for Income and Diversification
  Are you familiar with REITs and why they can help diversify a portfolio? Read this article to learn more.

  Five Tips to Follow When Applying for a Mortgage
  Historically low interest rates have driven record homebuying. This article provides some ideas to consider when applying for a mortgage.

  Social Security Spousal Benefits
  This article offers an overview of spousal benefits, which could make a big difference in funding retirement for a married couple.

  Portfolios Get Personal: Growing Interest in Socially Responsible Investing
  This article discusses socially responsible investments that may enable the pursuit of financial returns and make a positive global impact.

  Your Business: Minimum-Wage Laws in the Spotlight
  As more states increase the minimum wage, small businesses may start feeling the economic impact. Read this article for some coping tips.

• April

  HOT TOPIC: High-Frequency Indicators: Where to Look for Signs of Recovery
  This article discusses various high-frequency indicators economists use to monitor the pandemic’s impact and the economic recovery’s progress.

  A Financial Wellness Plan Can Help Pave the Road to Retirement
  This article outlines four elements of financial well-being and offers suggestions to strengthen financial wellness.

  Four Things Investors Should Know About Stock Splits
  If you’ve wondered what stock splits are and what effect they might have on your investment portfolio, this article covers the basics.

  All-in-One Funds: Targeting Time or Risk?
  This article discusses target-date funds and lifestyle funds, with the more common of the two based on time horizon rather than risk.

  Working While Receiving Social Security Benefits
  Do you understand the Social Security retirement earnings test and how it may affect your current and future Social Security benefits?

  Your Business: Reasons to Keep Personal and Business Finances Separate
  Find out why it’s important to draw a line between business and personal finances, especially for credit, tax, and personal asset purposes.

• March

  Key Retirement and Tax Numbers for 2021
  IRS cost-of-living adjustments affect retirement plan contribution limits and certain tax considerations. Explore these 2021 adjustments.

  Are Value Stocks Poised for a Comeback?
  Do you know the differences between growth and value stocks? Find out why value stocks may hold appeal during the economic recovery.

  Home Sweet Home Equity
  Owning a home or having substantial equity may offer financial benefits in retirement. Discover five ways to use or increase home equity.

  Asset Protection: Make Sure Your Umbrella Is Big Enough
  While standard home and auto insurance may cover personal liability, a personal umbrella policy can help add an extra layer of protection.

  Is Your Home Office Also a Tax Shelter?
  This article explains which taxpayers are eligible for the home office deduction and describes the two methods used to calculate it.

• February

  Sequence Risk: Preparing to Retire in a Down Market
  This article offers a strategy that may help address sequence risk — the danger of poor investment performance at the outset of retirement.

  Watch Out for These Financial Pitfalls in the New Year
  Financial opportunities and potential pitfalls can appear at any time. Here are common money mistakes to avoid at various stages of life.

  New Fed Policy Suggests Low Rates for the Long Term
  The Fed now seeks to control inflation through the benchmark federal funds rate. Find out what this means for investors and consumers.

  When You Can’t Speak for Yourself
  Discover how a living will and durable powers of attorney for health care and finances can help ensure your wishes are carried out.

  Big Data for Smaller Players
  Read how small businesses use software services to help streamline operations, understand customers, optimize websites, and find new markets.