Introduction Investment planning during retirement is not the same as investing for retirement and, in many ways, is more complicated. Your working years are your saving years. With luck, your income increases from year to year as you receive promotions and/or pay raises; those increases offer some protection against rising costs caused by inflation. While

What factors should be considered when determining a cash reserve goal? It takes some work to determine the ideal amount to be held in a cash reserve. This amount should reflect several important aspects of your current personal and financial situation–aspects that must be considered simultaneously and many of which are difficult to quantify. Begin

 The financial challenges millennials face can be overwhelming. Many young adults have to figure out how to pay off college loans, save to buy a home or start a family, and sock away money for retirement. Given these hurdles, it’s no wonder that life insurance as a financial asset gets little to no attention. But

How can insurance be used in other planning strategies? Insurance has many uses in addition to what you probably think of as its traditional purpose. Life insurance is often the cornerstone of estate plans. You can use life insurance as a savings tool for your children’s education, for your own retirement, even for gifts to