What is Your Long-term Care Plan?

November 15th, 2018|

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

According to the U.S. department of Health and Human Services individuals aged 65 and older have a 70% chance of needing care at some point in their lives.1 Also, it currently costs $102,930 annually for a private room in a nursing home in the United States […]

Year-End Financial To-Do: Employers Should Gauge the Retirement Readiness of Retirement Plan Participants

November 15th, 2018|

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

I recently reviewed an overview from an interesting panel discussion at the 2018 PLANSPONSOR National Conference held earlier this year in Washington, D.C.  The panel featured senior executives from some of the top retirement providers in the financial industry; including MassMutual, American Funds and John […]

Year-End Financial To-Do: Take Your RMDs; Consider QCDs

November 13th, 2018|

By Theresa Fry, Senior Vice President and Manager, IRA’s and Retirement Planning

It might be hard to believe, but the end of 2018 is nearly here.  As you plan out your holiday and year-end activities, don’t forget to add your financial “To-Dos” to your list.  This year, the most sweeping tax reform in decades became effective […]

Coping With Uncertain Tease

November 12th, 2018|

By Pete Biebel, Senior Vice President

Last week’s article, “It’s Always Tease, Tease, Tease,” questioned whether the market’s recent rebound was the beginning of a new bull market rally or just a bounce in a continuing downtrend.  The first 3 ½ trading sessions last week gave the impression that the bull market was alive and well.  […]

Plan Now for a Peaceful and Debt Free Holiday

November 8th, 2018|

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

Halloween has passed, and Christmas is popping up everywhere! It’s easy to get carried away with all of the exhilaration leading up to the holidays, but don’t let the excitement steer you to more anxiety than peace this holiday season.

Do you remember every gift that […]

It’s Always Tease, Tease, Tease

November 5th, 2018|

By Pete Biebel, Senior Vice President

That’s a line from the song, “Should I Stay or Should I Go?” by a band called The Clash.  That song’s title is a refrain that many investors have been repeating over the past several weeks.  Thankfully, markets managed to rebound a bit last week with the major averages all […]

Scary Financial Mistakes: Overlooking Incapacity Planning

October 31st, 2018|

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

With Halloween upon us, we have the last scary financial mistake of our series.  This is one of the most important, most overlooked, and often most dreaded part of planning:  planning for your incapacity.

Many feel incapacity is as likely as the boogey man under […]

A Note from the Trenches

October 26th, 2018|

By Pete Biebel, Senior Vice President

I’ll be traveling this weekend and will not publish my usual Monday market commentary on 10/29.  Hence, I want to offer a brief market update in light of recent market action and knowing that the next regular commentary will not be published until Monday 11/5.

Some thoughts on the market’s October […]

Scary Financial Mistakes: IRA Rollover Blunders

October 24th, 2018|

By Theresa Fry, Senior Vice President and Manager, IRA’s and Retirement Planning

Nothing can be scarier than receiving an IRS notice in the mail, especially if the letter suggests that you owe additional taxes, interest, or penalties.  When a botched IRA rollover is the cause, that mistake can lead to bigger problems with the loss of […]

Taxes Hold ‘Em

October 22nd, 2018|

By Pete Biebel, Senior Vice President

In the popular poker game, Texas Hold ‘Em, players are dealt two cards facedown.  Then five community cards are placed face-down in the middle of the table.  Those cards are revealed in three steps.  First, three cards are turned up simultaneously.  This is “The Flop;” players then have much more […]