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Education Center

  • Retirement Plan Contribution Limits

    10-23-2022

    Opportunity to prepare for the future you envision. Pre-tax contributions to an employer’s tax-deferred plan can potentially help reduce your current table income while saving dollars for retirement that otherwise would have gone to pay taxes.

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  • Does your investment mix need diversifying?
    09-08-2022
    Written by

    Need to fix your mix?

    You’ve probably heard of the terms “asset allocation” and “diversification.” They sound complicated, but really, the concepts are quite simple.

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  • Getting your retirement savings back on track
    08-23-2022
    Written by

    During an economic crisis like the COVID-19 pandemic, many people had to put their retirement plans on hold, or even borrow from retirement accounts, in order to afford household bills.

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  • Interactive tools and calculators
    07-31-2022

    Interactive tools and calculators

    Our interactive tools can assist you in your unique financial planning needs. Interactive calculators are made available as self-help tools for independent use and are not intended to provide investment or tax advice, either expressed or implied. 

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  • Investment questionnaire - cash, fixed income and equities
    07-31-2022

    Many experts believe that long-term investment success is more a function of how assets are allocated among asset classes rather than the individual securities in which they are invested.

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  • Net Worth
    07-31-2022

    Your net worth is the value of all of your assets, minus the total of all of your liabilities. Put another way, it is what you own minus what you owe. If you owe more than you own, you have a negative net worth. 

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  • Savings calculators
    07-31-2022

    Interactive calculators

    Our interactive tools can assist you in your unique financial planning needs. Interactive calculators are made available as self-help tools for independent use and are not intended to provide investment or tax advice, either expressed or implied.

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  • College Savings
    07-31-2022

    Saving for your children's education requires a long-term plan. And, like saving for retirement, the earlier you start your plan the better. Use this calculator to help develop or fine-tune your education savings plan. Click the "View Report" button for a detailed look at the results.  

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  • Savings Calculator
    07-31-2022

    Consistent investments over a number of years can be an effective strategy to accumulate wealth. Even small additions to your savings add up over time. This calculator demonstrates how to put this savings strategy to work for you.

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  • Savings Goals
    07-31-2022

    What will it take to help reach your savings goals? This financial calculator helps you find out. Enter in your savings plan and view graphically your financial results. Click the report button to get more information about your plan, and what you can do to make sure that it is on track.

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  • Don't delay your savings!
    07-31-2022

    Waiting to begin your savings plan can have a huge impact on your results. A delay of even a few years could cost you thousands of dollars. This calculator helps show you how much postponing your savings plan can really cost.

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  • Mortgage calculators
    07-31-2022

    Interactive calculators

    Our interactive tools can assist you in your unique financial planning needs. Interactive calculators are made available as self-help tools for independent use and are not intended to provide investment or tax advice, either expressed or implied.

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  • Rent vs. Buy
    07-31-2022

    Should you rent or should you buy your home? It takes more than looking at your mortgage payment to answer this question. This calculator helps you weed through the fees, taxes and monthly payments to help you make a decision between these two options.

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  • Mortgage Loan Calculator
    07-31-2022

    Use this calculator to generate an estimated amortization schedule for your current mortgage. Quickly see how much interest you could pay and your estimated principal balances.

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  • Estate Tax Planning
    07-31-2022

    Interactive calculators

    Our interactive tools can assist you in your unique financial planning needs. Interactive calculators are made available as self-help tools for independent use and are not intended to provide investment or tax advice, either expressed or implied.

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  • Estate Tax Planning Calculator
    07-31-2022

    Estate tax planning is very important to preserving your wealth for future generations. Knowing your potential estate tax liability is a great place to start your estate tax plan.

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  • Debt Calculator
    07-31-2022

    Interactive calculators

    Our interactive tools can assist you in your unique financial planning needs. Interactive calculators are made available as self-help tools for independent use and are not intended to provide investment or tax advice, either expressed or implied.

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  • Credit Card Pay Off
    07-31-2022

    Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals.

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  • Roth IRA Conversion
    07-31-2022

    In 1997, the Roth IRA was introduced. This new IRA allowed for contributions to be made on an after-tax basis and all gains (or growth) to be distributed completely tax-free.

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  • 72(t) Calculator
    07-31-2022

    Internal Revene Code sections 72(t) and 72(q) provide for tax-penalty-free early withdrawals from retirement accounts under certain circumstances.

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  • Roth 401(k) vs. Traditional 401(k)
    07-31-2022

    If available in your employer's plan, the 401(k) Roth allows you to contribute to your 401(k) account on an after-tax basis - and pay no taxes on qualifying distributions when the money is withdrawn. 

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  • Social Security Benefits
    07-31-2022

    Do you wonder how much you might receive in Social Security? Use this calculator to help you estimate your Social Security benefits. Remember, this is only an estimate. Your actual benefits may vary depending on your actual work history and income.

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  • Retirement Planner
    07-31-2022

    Do you know what it takes to work towards a secure retirement? Use this calculator to help you create your retirement plan. View your retirement savings balance and your withdrawals for each year until the end of your retirement.

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  • RMD & Stretch IRA Calculator
    07-31-2022

    The IRS requires that you withdraw at least a minimum amount - known as a Required Minimum Distribution - from your retirement accounts annually;

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  • Roth IRA Calculator
    07-31-2022

    Contributing to a Roth IRA could make a difference in your retirement savings. There is no tax deduction for contributions made to a Roth IRA; 

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  • Retirement Calculators
    07-30-2022

    Interactive calculators

    Our interactive tools can assist you in your unique financial planning needs. Interactive calculators are made available as self-help tools for independent use and are not intended to provide investment or tax advice, either expressed or implied.

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  • Retirement Contribution Effects on Your Paycheck Calculator

    07-30-2022

    An employer-sponsored retirement savings account could be one of your best tools for creating a secure retirement. It provides two important advantages.

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  • Retirement plan enrollment made simple
    06-17-2022
    Written by

    Everyone needs to consider their retirement strategy. A great place to start is enrolling in your employer-sponsored retirement plan.

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  • Your plans for retirement have been thrown off. Now what?
    06-10-2022
    Written by

    One of the financial consequences of COVID-19 was that people’s retirement plans were interrupted in various ways.

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  • The best times to up your retirement contributions
    05-08-2022
    Written by

    Although it’s true there’s really no bad time to start investing, it can be tricky to figure out how to siphon off funds from other areas of your budget and redirect them to your future needs.

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  • Three Tactics to Address Your Retirement Worry of Running Out of Money
    02-28-2022
    Written by

    No matter your age or wealth, when you step into retirement there’s one overarching concern that most people have: running out of money. 

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  • 2022 tax season: What to know about 2021 taxes
    02-17-2022
    Written by

    Find out what you need to know about 2021 income taxes, including information about the Child Tax Credit, allowable deduction amounts, how retirement plans may be affected by tax changes and more.

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  • 3 Essential Money Lessons That Every 20-Something Should Know
    02-16-2022
    Written by

    Despite its importance, financial literacy is not commonly taught as part of our national school curriculum.

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  • Plan for the phases of retirement
    05-12-2021
    Written by

    Managing your nest egg isn’t one distinctive event – it’s an ongoing process that needs to reflect life’s changes throughout retirement.

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  • Multitask when it comes to your money
    05-12-2021
    Written by

    Multitasking is bad for productivity: If you’re in a meeting trying to send out emails while listening to the speaker, chances are one of those tasks is going to suffer. You need to give one task your full attention. But when it comes to your money, multitasking is a necessity.

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  • The first issue in retirement planning
    05-12-2021
    Written by

    Two questions I hear a lot from people who aren’t retired are: “When can I retire?” and “How much money do I need to retire?” They’re really variations of the same question. It’s the wrong question to ask, because most people approach the retirement-date question from the wrong direction.

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  • The cost of borrowing from your retirement account
    05-12-2021
    Written by

    When planning for your financial future, it's crucial to account for those little expenses that sometimes blindside you - like medical expenses or car repairs. Sometimes those little expenses turn into big expenses and you need a little more to cover the cost.

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  • How women are pioneering the future of retirement
    05-11-2021
    Written by Joseph Coughlin

    Women are the lifestyle leaders inventing the future of retirement. For a variety of reasons, women are generally better at aging than men. They are more dynamic, take on more roles and duties, and are more clear-sighted in regard to the new frontier of longevity—and they also live longer. 

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  • 5 ways to measure your financial health
    05-11-2021
    Written by

    Many Americans do not have an accurate understanding of their finances. For example, research from Mint shows that three out of five Americans didn’t know the amount of money they spent the previous month.

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  • 3 things to do if you're in your 40s with no retirement savings
    05-11-2021
    Written by

    Your 40s may not seem like the time to buckle down and get serious about retirement. But if your savings are nonexistent, it means you have plenty of work to do.

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  • How to navigate the 10 years before retirement
    05-11-2021
    Written by

    The decade before you retire is often crunch time for many would-be golden agers. It’s often a last- chance opportunity to fine-tune a plan that can set a successful retirement in motion.

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  • Are you a gambler, speculator, investor or risk manager?
    05-11-2021
    Written by

    With today's economic uncertainty and market volatility, it's important to understand the emotions that drive your investing decisions. Whether it's greed, fear, optimism or something else, knowing what motivates you can help you avoid making mistakes.

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  • Getting fit for retirement: 6 steps millennials can take now
    05-11-2021
    Written by

    How much is enough?

    Regardless of your current income, your 20s and 30s is the best time to start building for your future. But investing for a retirement that's 40 years away - all while trying to pay down student debt, save for a home, pay for a wedding or meet other important expenses - can feel overwhelming.

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  • 6 do-it-now retirement moves for women
    05-11-2021
    Written by

    In our busy lives as working women managing our careers, family, and financial priorities, we tend to put the needs of others before ourselves.

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  • How much will YOU need for retirement?
    05-11-2021
    Written by

    How much is enough?

    If you follow the news at all, you probably know that saving for retirement is something of a crisis for a significant portion of our country's population. So how much do you need to save?

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  • 3 reasons you might run out of money in retirement, and what to do about it
    05-11-2021
    Written by

    While retirement certainly brings about its share of unknowns, perhaps the most daunting prospect associated with this stage of life is the potential to run out of money.

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  • How boomer parents can set financial boundaries with millennial kids
    05-11-2021
    Written by Next Avenue

    You probably heard about Michael Rotondo, the 30-year-old New Yorker recently ordered by a judge to vacate his parents’ home. The story made national news — and for good reason. The notion of a young person “failing to launch” is every parent’s nightmare.

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  • The 3 biggest mistakes couples make with retirement planning (and how to avoid them)
    05-11-2021
    Written by

    Besides the obvious benefits of being in a loving relationship, being part of a couple means you have double the power to accomplish those less-than-ideal tasks in life. Everything from doing chores to planning a social calendar can now become a team effort.

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  • How to handle market volatility at every stage of retirement saving
    05-11-2021
    Written by

    Historically markets rise, fall a bit, then rise again. That volatility may be difficult to stomach, particularly for the risk averse, but it’s also what creates buying and selling opportunities (another axiom: buy low, sell high!) for savvy portfolio managers.

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  • Adjusting retirement savings to accommodate increased longevity
    02-20-2020
    Written by

    The ability to live a longer, healthier life is good news for most people. Between advances in medical technology and improved access to health-related knowledge, Americans are living longer than ever before.

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