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Planning for the New Normal Retirement

Submitted by The Participant Effect on March 26th, 2019

The need for retirement planning didn’t really exist until well into the 1970s. Up to that point, people worked until age 65, spent a few years in leisure through their life expectancy which was about 69. Many retirees of that era were able to coast into retirement with a cushy pension plan.

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  • education
  • retirement planning
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Why Diversify?

Submitted by The Participant Effect on March 11th, 2019

Diversification is at the heart of a sound investment plan. An effective diversification plan helps manage risk by spreading funds across various asset classes and types of investments. The reasoning behind this strategy is that market conditions can affect each type of asset differently — through diversification, losses in one area can be offset by gains in another.

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  • diversification
  • education
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Five Tax Tips

Submitted by The Participant Effect on March 7th, 2019

The Tax Cut and Jobs Act, enacted in 2017, made major changes to the tax code that could have a significant impact on your bottom line.

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  • education
  • tax
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3 Ways to Save for College Explained: Prepaid Tuition Plans, 529 Plans and ESAs

Submitted by The Participant Effect on February 13th, 2019

According to collegeboard.org, the average yearly full-time student budget for tuition and fees, room and board, books, and other incidentals at an in-state public four-year college is currently more than $25,000. For a private four-year college, that costs skyrockets to more than $50,000.

Tags:
  • education
  • prepaid tuition plans, 529 plan, 529 savings plan, ESA
  • retirement planning
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If Only … Retirement Regrets

Submitted by The Participant Effect on January 29th, 2019

Regrets can be hard to live with: I wish I hadn’t eaten that banana split; I wish I’d bought that sweater when it was on sale; or I wish I learned to speak French. But these are all mild regrets compared to what you’d feel if you didn’t make the best choices for you and your family when preparing for retirement.

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  • education
  • retirement
  • retirement planning
  • risk management
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Loss Aversion: Fighting the Fear

Submitted by The Participant Effect on January 29th, 2019

Loss aversion sounds like a good thing — trying to avoid losing. What could be wrong with that? Unfortunately, if taken too far, it can actually be a threat to your long-term financial health. Loss aversion is the tendency to prefer avoiding potential losses over acquiring equal gains. We dislike losing $20 more than we like getting $20.

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  • education
  • Loss Aversion
  • retirement planning
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What Age Should You Retire?

Submitted by The Participant Effect on January 29th, 2019

When we think retirement age, 65 is often the first number that comes to mind. But that doesn’t mean it should be your final answer. While it’s often a starting point for consideration, there are several factors that could make another age a better choice for you. Here are eight considerations to keep in mind when making this very important decision.

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  • education
  • retirement age
  • retirement planning
  • risk management
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Insurance Basics

Submitted by The Participant Effect on January 8th, 2019

Insurance may be less about if you’ll need it than when you’ll need it. Anyone who started driving at 16 is likely to have had a claim by the time they’re 34. More than 1 in 20 insured properties reported a claim in 2016, according to Insurance Services Office (ISO). And according to the U.S.

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  • Baby Boomer
  • education
  • retirement planning
  • risk management
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What’s your 401(k) IQ?

Submitted by The Participant Effect on October 31st, 2018

Your 401(k) is one of the most powerful retirement planning tools at your disposal. Are you taking full advantage of yours? Here are eight questions to help you answer this important question.

1. Am I enrolled?

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  • education
  • Employee Education
  • retirement planning
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Life Insurance 101

Submitted by The Participant Effect on October 18th, 2018

No one likes to think about life insurance, or the conditions that could cause its need to arise. But it’s an important foundation for a family‘s financial plan — ensuring that critical needs are met in the worst of circumstances.

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  • education
  • life insurance
  • retirement planning
  • risk management
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Latest Blog Posts

I’ve Depleted My Emergency Fund. Now What?

Submitted by The Participant Effect on February 4th, 2021

Perhaps you’ve lost a job, faced an illness or have been delt a family crisis that emptied out your emergency fund. What are your next steps?

 

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  • budget
  • emergency fund
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How Much House Can I Afford?

Submitted by The Participant Effect on February 4th, 2021

You’re eyeing center-hall colonials in your neighborhood and dreaming about the garden you want to plant in the backyard and all the holiday celebrations you’ll host. You’ve saved toward this goal and think you’re ready to pull the trigger. But the real question is: How much house can I afford?

Or is it?

Tags:
  • budget
  • buying a home
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Is Social Security “Going Broke”?

Submitted by The Participant Effect on September 30th, 2020

Social Security’s financial cliff is coming closer into view. Experts project that the fund that pays for government retirement benefits through FICA taxes will be depleted within the next 15 years.

 

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  • retirement
  • retirement planning
  • social security
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