General

Summer Savings Strategies: Get an Early Start on Investment Success

July 17th, 2019|

By Edward “Ed” V. O’Neal, Vice President and Manager, Retirement Plans

One of the more consistently quoted investment concepts is the ‘time value of money’ and the ‘power of compounded growth’.   But what do these terms and concepts actually mean, and how do they impact you?   Perhaps a better way to describe these concepts is with […]

Summer Savings Strategies: Keep Your Assets Tax Diversified

July 10th, 2019|

By Theresa Fry, Senior Vice President and Manager, IRAs, Retirement and Education Planning

When you retire, your savings and investments will likely become a primary source of income. Did you know that how your retirement income is taxed is impacted by both the type of investments and the type of accounts the income is taken […]

Summer Savings Strategies: Fight Inflation

July 3rd, 2019|

By Debbie Placke, Vice President, Manager, Financial Planning Tools and Marketing

Purchasing power has stayed fairly stable over the last decade, but for anyone who has lived and invested for 30 or 40 years, the effects of inflation on your savings are more prominent. Are your savings dollars hidden away in a coffee can for protection […]

Summer Savings Strategies: Turn Summer Jobs Into Super Savings

June 26th, 2019|

By Theresa Fry, Senior Vice President and Manager, IRAs, Retirement and Education Planning

If you are like most parents with a household of kids at home for the summer, you are probably busy scheduling summer camps and other activities to keep them busy all summer long. For those of you with teenagers or college students […]

Summer Savings Strategies: Riding the Waves of the Market While Building Your Nest Egg

June 19th, 2019|

By Debbie Placke, Vice President, Manager, Financial Planning Tools and Marketing

The Stock and Bond Markets fluctuate up and down daily. Some days the waves are bigger than others, and some investments shoot up and down further than others. Do you have a long-term plan in place to help you ride out the volatile markets?

Timing the […]

Summer Savings Strategies: Asset Location and Why It Matters

June 12th, 2019|

By Nick Frigerio, Planning and Research Associate, Associate Vice President

Many are familiar with the concept of asset allocation, the ability to reduce portfolio risk through diversifying assets among equities, fixed income, and cash or equivalents. Equally important is knowing how to distribute your diversified assets across taxable, tax-deferred, and tax-free account types, a concept known […]

Summer Savings Strategies: Minimize Your Tax Bill

June 5th, 2019|

By Jeffrey R. Wolfe, Senior Vice President, Manager of Wealth Planning Strategies

There are lots of components to investment decisions:  stock vs. bond, growth vs. value, industry trends . . . the list goes on and on.  While taxes should not be a driving factor in investment decisions, making sure you are tax efficient in your […]

Summer Savings Strategies: Indexed Variable Annuities May Provide a Buffer from Loss

May 22nd, 2019|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

There are times when stock market volatility leaves some investors worried about meeting their retirement goals. This has left many of these individuals seeking products that can provide downside protection with upside potential.  A product that can help give investors some degree of piece-of-mind in turbulent […]

Summer Savings Strategies: Be Disciplined and Systematic

May 15th, 2019|

By Bruce Buerkle, CFA, Senior Vice President, Manager Securities Research Support

Have you reviewed how much you are saving annually and considered whether there are opportunities to increase your savings rate? Developing a “pay yourself first” plan can reap large rewards over the long term. Look for ways to automate your savings such as establishing a […]

Summer Savings Strategies: The Earlier the Better – Graduates Should Start Saving for Retirement Now!

May 8th, 2019|

By Edward “Ed” V. O’Neal, Vice President and Manager, Retirement Plans

Congratulations college graduates, all your late-night study sessions and frantic essay writing is finally over! Now, welcome to the “real world” as your attention begins to turn to matters of joining the workforce and actual adult financial matters. Saving for retirement is probably near the […]