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• Planning for Retirement While You’re in the Military
  Whether or not you, or your spouse, are considering a full career in the military, it is important to think about, prepare and plan for your retirement years. While it can seem like it is very far off and your everyday needs and wants are more important, starting to save for retirement now – even in
• Work and Child Care
  Perhaps the biggest question facing soon-to-be parents is what they will do regarding their current employment and caring for their newborn. If both you and your spouse are working to earn an income, you’ll need to figure out how you will care for your child until s/he is school-age..
• Choosing The Best Health Plan
  AS EMPLOYERS CONTINUE TO shift more of the financial burden to their employees, the cost of health care is projected to rise at a double-digit pace (10.1% for the average worker from 2007 to 2008, according to benefits-consultant Hewitt Associates.. AS EMPLOYERS CONTINUE TO shift more of the financi
• Managing Maternity/Paternity Leave
  You may need, or want to, take leave before the baby is born – due to medical or other reasons, and you will certainly want to take at least some time off after delivering your child. You’ll want to check with your employer to learn about their maternity/paternity leave program.. take leave before the ba
• Comparing Plans
  Once you have made the decision to begin saving for a college education, you understand that 529 plans offer a way for your savings to go farther, and you have thought about both your risk tolerance and your child’s age relative to their college entrance date, the next step is to compare possible pl
• Topics to Discuss
  As the old saying goes, the best way to eat an elephant is one bite at a time. You’re not going to discuss every financial topic and reach an agreement on all of your priorities in one discussion.. As the old saying goes, the best way to eat an elephant is one bite at a time. You’re not going to d
• If a Servicemember Dies
  It’s a difficult reality to face but it is important to discuss and plan for what would happen if your, or your spouse, die during military service. The military provides assistance and benefits for survivors.. It’s a difficult reality to face but it is important to discuss and plan fo
• Earning
  You may have one sole source of income or you may have many different “streams” of income – such as part-time jobs, seasonal work, alimony, settlement income, etc. In large part your financial security will depend on your ability to obtain jobs that will provide you with adequate income and benefits
• Enrolling In and Contributing to a 529 Plan
  There are two ways you can enroll in a 529 plan: The “Direct Sold” method: all states and the District of Columbia offer 529 plans that permit you to enroll directly. By enrolling directly through the state you will typically pay fewer fees and no sales commissions, unlike 529 plans sold through a p
• Healthcare and Health Insurance
  The military healthcare system is called TRICARE. It is an enormous system that provides healthcare for servicemembers, activated Guard and Reservists, retired members of the military and military spouses and dependents.. The military healthcare system is called TRICARE. It is an enormous system
• A Divorcee
  Scenario: Jill is a 30 year old public relations assistant living in Massachusetts. She is in the process of getting a divorce from her husband of 4 years.. Scenario: Jill is a 30 year old public relations assistant living in Massachusetts. She is in the process of getting a divorc
• Retirement Planning Worksheet
  OBVIOUSLY, DECIDING how much money you need for retirement is a highly personal calculation. It depends on any number of factors, from your current lifestyle to your general state of health to whether you plan to retire early.. OBVIOUSLY, DECIDING how m
• The Basics of 529 Plans to Save and Invest for College
  If you have children and you would like for them to attend college you need to start saving – and investing that savings so that it can grow in value - now. While most Americans cite “paying for a child’s education” as a top family financial priority, according to a December 2009 FINRA Foundation su
• Seasonal Stories
  Fall Home Buying 101 Want to become a homeowner? Wonder what it will take to get there? Click here to check out our new series on "Home Buying 101" - a step-by-step monthly guide to turning the dream of homeownership into a reality . Open Enrollment It's fall - the "open enrollment" season for thous
• Figuring Out the “What Ifs”
  Although this is a very exciting, hopeful time for you as a couple it’s important to talk about, and make contingency plans for, things that none of us particularly want to consider but need to be discussed. These include… Thinking about a prenuptial agreement. While it can seem extremely unromantic
• A Widow
  Scenario: Marilyn is a 51-year old widow, living in Delaware, supporting two teenagers. When her husband died unexpectedly, she had to return to the work force full-time.. Scenario: Marilyn is a 51-year old widow, living in Delaware, supporting two teenagers. When her husband died unexpectedly, s
• Steps to Take in Your 50s and 60s
  You are now at a transitional point of life where you need to realistically assess what you have and what you need going forward: Re-evaluate your retirement needs with our retirement calculator Evaluate how your assets are allocated and work with a financial professional to ensure that your investm
• Create or Update Your Wills
  While no one particularly likes to think about their eventual death, it is incredibly important that both you and your spouse have wills drawn up to specify what you want to happen when you pass away. It is estimated that nearly 70% of all adults die without a will.. While no one particularly
• Healthcare Concerns and Needs
  One of the most common reasons that family members move in with one another is that an older loved one becomes no longer able or physically safe to live on his or her own, or a family member needs to recover from a medical condition or accident. If that describes your situation, sit down together to
• Estate Planning
  One of the results of divorcing and then remarrying when you have children is that both you and your new spouse will need to make some important decisions about how your assets and possessions will be handled and managed after your death(s) You will need to decide upon and “name” beneficiaries (mean
• The Young Couple
  Scenario: Marcus and Julie, both 27, live in Tennessee and have been married for a year. Julie is in nursing school and also works part-time as a nursing assistant at a local hospital.. Scenario: Marcus and Julie, both 27, live in Tennessee and have been married for a year. Julie is in
• What's New This Month
  July '09 : IOUs Issued by the State of California Strapped for cash, the state of California has started issuing more than 3 billion in IOUs to businesses, individual tax payers and county governments to whom it owes money. California state government officials have indicated that the IOUs – which
• What to Do When the Deployment is Extended
  Imagine learning that your spouse has 24 hours to report for duty and be deployed for combat. Now imagine that the day before the scheduled homecoming, you are notified that he/she won't be coming home for another 12-15 months.. Imagine learning that your spouse has 24 hours to report for duty and be de
• Benefits of 529 Plans
  There are numerous benefits to investing in either a 529 prepaid tuition or savings plan: Federal tax advantages. Although you can’t deduct your 529 plan contributions from your federal income taxes (the way you can deduct the interest you pay on your mortgage, for example) the money you invest in e
• Spending
  In order to keep moving forward financially we need to spend less than we earn. That doesn’t mean going without.. In order to keep moving forward financially we need to spend less than we earn. That doesn’t mean going without. It means making spending choices based on a well-defin
• Overcoming Obstacle Number Two: Finding Money
  Unlike students who have not entered the workforce, adult students are often unsure about how – or if – they can afford to leave full-time work with its wage/salary, benefits (including insurance, paid vacation, etc. and career advancement possibilities.. Unlike students who have
• Dealing with Deployment
  Deployment is a stressful time for every member of the family. By taking time to talk together as a family, and separately as a couple, you can better manage both the emotional and logistical aspects of being apart from your servicemember.. Deployment is a stressful time for every member of
• Types of 529 Plans
  529 plans got their names from the section of the IRS tax code (section 529) which helped create this way of investing savings for college costs. There are two types of 529 plans: Prepaid Tuition Plans and Savings Plans.. 529 plans got their names from the section of the IRS tax code (section 529
• Ways to Invest and Grow Your Savings for College Tuition
  It’s not enough to want to help your child afford college you need to have a plan to make it actually happen. However, putting money into a savings account at your bank or credit union won't earn enough interest to foot the bill.. It’s not enough to want to help your child afford
• Comparing Mortgage Costs
  There are several costs associated with borrowing money to buy a home including the interest rate you’ll be charged to borrow the principal (loan amount) points, mortgage insurance closing costs and the down payment. Interest Rate One of the most important pieces of information you need from a lende