For Our Clients

Educational Resources

With Historically Low Interest Rates, Some Planning Ideas May Soar

Oct 22, 2019

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

Interest rates have become a hot topic these days.  Many people complain there aren’t any bonds paying a good enough rate.  Meanwhile, President Trump complains that the Fed’s interest rates are too high.  Credit card rates, home mortgage rates, you name it, and interest rates are everywhere.

While not often top of mind, there are also interest rate issues in the estate planning world. 

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Financial and Technical Data Analysis Graph Showing Search Findings

A Hunka Hunka of Earnings Love

Oct 21, 2019

By Pete Biebel, Senior Vice President

Both the S&P 500 Index (SPX) and the NASDAQ Composite Index (COMP) came through the week with small net gains despite a lengthening list of bad news headlines from around the world.  In addition to growing geopolitical tensions, those headlines have recently included more signs of slowing worldwide economic growth.  Data out last week showed that economic growth in China slowed to its lowest rate in nearly thirty years. 

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estate planning text on notepad

National Estate Planning Week is October 21-27th

Oct 21, 2019

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

National Estate Planning Awareness week has come around again.  This is a week founded by the National Association of Estate Planners and Councils.  The goal of the week is to remind everyone of the importance of having a comprehensive estate plan.  Whether we like it or not, we all need to plan for our incapacity and our own demise. 

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Scary Financial Mistakes: Needing Long-term Care Without a Plan

Oct 16, 2019

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

The idea of having a prolonged physical illness, disability, or a long-term cognitive impairment, such as Alzheimer’s can be frightening.  So much so that you might not want to think about it at all.   However, having a long-term care need without proper planning could result in a significant economic hardship for you and your loved ones.

Consider this:

  • The national average for 24-hour home care or for one year in a nursing home can cost more than $100,0001
  • At least 70% of people over the age of 65 will require long-term care at some point in their lives with 20% requiring care for longer than 5 years2
  • From 2004 to 2018,

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Major Moves on Minor News

Oct 14, 2019

By Pete Biebel, Senior Vice President

Following a September with more than its share of dull, narrow-range trading sessions, the first two weeks of October have been far more action-packed.  Seven of the nine trading days so far this month have had a big gap opening or a very wide daily range, or both.  In most of those cases, the market action came in response to trade war headlines;

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Scary Financial Mistakes: Defaulting on a Retirement Plan Loan

Oct 9, 2019

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

Sometimes just the surprises and uncertainty in our daily lives can be scary!   At times, things just don’t work out as planned and events can happen that we didn’t anticipate; like a job change or health issue.  And typically, these situations seem to happen at the worst possible time and can lead to some unplanned and frightening financial challenges.  

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Call Your Edwards Advisor for a Limited-Edition Pumpkin Spice Financial Plan!

Oct 8, 2019

By Joanne M. Welker, CFA, Senior Vice President and Manager, Advisory Services

Coffees, cereals, cookies, candies and now even Spam have a Pumpkin Spice edition product, so we thought maybe we should too!   With a Pumpkin Spice financial plan, we help our clients’ dreams from turning into pumpkins and assist them with spicing up their lives along the way.

While it is true that a financial plan can help do these things,

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Scary Financial Mistakes: What Is Your Financial Plan?

Oct 2, 2019

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

Ghosts, goblins, monsters, spiders – What scares you? When it comes to your finances, mistakes and oversights can be very scary and costly!  During October, we will review some scary financial mistakes people commit in the hopes that you can avoid making them yourself.

For starters, do you have a financial plan in place? Whether you are just beginning your career,

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How Do You Spell Financial Aid? F-A-F-S-A

Oct 1, 2019

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

October brings a lot of things…cooler weather, falling leaves, pumpkin spice everything, and if you are the parent of a senior in high school planning on going to college next year, probably a little panic.  That’s because it’s time to file the FAFSA. The Free Application for Federal Student Aid (or FAFSA) is the first step to uncovering if your student will qualify for federal financial aid,

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Do you have the Time, Expertise and Desire?

Oct 1, 2019

By Joanne M. Welker, CFA, Senior Vice President and Manager, Advisory Services

Deciding if a brokerage (commission based) or an advisory (fee based) account is right for you may feel overwhelming or something you question in your mind even after the decision has been made.  Let’s start to break it down by considering these three things:

Time – Managing an investment portfolio takes time.  Time to analyze and perform research on the securities for consideration. 

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