Education Center

  • 5 ways to avoid overspending this holiday season
    12-06-2021
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    It’s a given that Americans will spend outside of their typical budget during the holiday season.

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  • The do's and don'ts of portfolio allocation
    24-09-2021

    For many investors, putting away money consistently into their investments is a major achievement on its own. Having the time and know-how to pick from a dizzying array of investment products, allocate assets, and diversify your portfolio provides another set of challenges entirely.

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  • Help prepare for a more secure future with insurance
    23-09-2021
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    If you were to lose a family member unexpectedly, would it impact your family's finances? Would the liability costs of an accident affect your savings? If so, you may want to consider insurance.

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  • Financial planning - why do I need it?
    09-09-2021
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    Having a professionally assisted financial plan has many advantages. First of all, it can help to soothe the uneasiness in the back of your mind about your financial future.

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  • How much per paycheck will go toward your retirement?
    09-09-2021
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    You’ve heard the advice that you should try to contribute as much as possible to your retirement plan, but experts tend to speak in percentages. More important to you is what will be the real-life impact of saving for retirement. 

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  • Your account beneficiary designations could be more important than your will
    09-09-2021
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    Remember the "pinky swears" - the silly promises you made to your friends back in grade school? What if someone came back to you decades later as an adult and expected you to abide by those promises? It's unlikely they would ever prevail in a court of law.

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  • Does your investment mix need diversifying?
    09-09-2021
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    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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  • How to protect yourself from financial fraud
    08-24-2021
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    No matter your age, it's good to know how to protect your financial accounts. As you get closer to retiring, you may need to tap into them, whether they're set up specifically for funding retirement or used for other purposes, such as a liquid savings or money market account.

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  • How to set financial goals
    08-24-2021
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    Setting a goal is an important prerequisite for accomplishing almost anything. And without setting clear financial goals, some people are likely to spend their lives aimlessly earning and spending, rather than building wealth and achieving a more financially secure life.

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  • This is young investors' main source of investing info (Hint: it may not be the best)
    08-23-2021
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    Investing from a young age is a great way to grow wealth. In fact, once you're all set with an emergency fund, it pays to put your extra money into a retirement plan and invest there.

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  • Should I dip into my retirement savings?
    06-01-2021
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    Many people who have had their income adjusted may be panicking and looking for other sources of cash to pay the bills.

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  • The importance of portfolio diversification
    05-18-2021
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    When it comes to creating an investment portfolio to help you maintain your quality of life during retirement, most experts agree that portfolio diversification is a good option for achieving desired returns while managing risk.

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  • Can you prioritize both caregiving and wealth-building?
    05-17-2021
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    Women continue to be the primary caregivers in most families with children, but they are also likely to be important breadwinners for their families. 

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  • Should you save for retirement or pay off student loans?
    05-14-2021
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    An increasing number of people are graduating from college with student loans to pay back. Some 44.7 million student borrowers have an average of $37,584 in student loans each, and 65% of students graduated with student loan debt in 2020.

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  • Making retirement dreams a golden reality - a how-to guide
    05-12-2021
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    Whether your idea of golden years perfection is training for an Ironman, launching a business, watching a ball game in every U.S. state, or simply spending more time with family and friends, retirement offers a unique opportunity to replace the nine-to-five with something vivifying, meaningful, and new.

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  • How to reach a million dollars with just 1%
    05-12-2021
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    What’s the value of 1? If you guessed $1 million then it’s likely you’re in on a little-known secret that helps the most savvy of savers effectively prepare for their golden years.

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  • The cost of borrowing from your retirement account
    05-12-2021
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    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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  • Plan for the phases of retirement
    05-12-2021
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    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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  • How to handle market volatility at every stage of retirement saving
    05-11-2021
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    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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  • Want a fabulous retirement? Start living better now
    05-11-2021
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    When Americans think about growing older, many of them feel worried, according to AIG research. They worry about their health, being a burden to their families, and not having a purpose.

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  • Getting fit for retirement: 6 steps millennials can take now
    05-11-2021
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    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
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    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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  • The best times to up your retirement contributions
    05-11-2021
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    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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  • How to build an emergency savings account
    05-04-2021
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    Though many of us will face a significant unexpected expense at some point during our lives, more than half of Americans don’t have the cash or savings on hand* to cover a financial emergency requiring $1,000 or more to resolve.

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  • How to be a good financial role model for your kids
    05-04-2021
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    Having children means taking on the responsibility of guiding impressionable little humans through the world. As a parent, it's your job to teach your kids good values and useful life skills — and money management is one of them.

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  • Insights from 2020: What We Learned
    05-04-2021
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    Last year, most of us started with the same basic financial goals that are common in every new year: build an emergency fund, pay off debt, continue contributing to a retirement fund and maybe increase income. 

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  • How to plan financially for starting a family
    05-04-2021
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    The prospect of growing your family may fill your heart with butterflies, excitement, nervousness—or, most likely, all of the above.

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  • 3 reasons to have a budget
    05-04-2021
    Written by

    If you're not following a budget, you're not managing your money correctly. Without a budget, you really have no way of knowing how much you're spending each month, and how much room for savings your expenses and income allow for.

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  • Preparing for a lifetime of saving and spending
    05-04-2021
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    Let's start by admitting that no two real-life spending and saving timelines are the same. That being said, there is a "classic timeline" - a general framework - that you can use as a starting point.

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  • A closer look at cash, annuities and mutual funds
    05-04-2021
    Written by

    You have an array of choices for putting money away for future purposes.

    There are investments, annuities, bank deposits and much more. Your decision should be driven by your circumstances including:

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  • Inflation: the downside of a "safe" portfolio
    05-04-2021
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    There are reasons to invest conservatively – market volatility, preserving the funds you have, just to name a couple. But there is also a trade-off between risk and reward: More risk, more reward potential; less risk, less reward potential. 

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  • Small money moves that make a large impact
    05-04-2021
    Written by

    For many of us, setting aside the recommended six months’ worth of expenses in an emergency savings account to protect ourselves and our loved ones can feel daunting.

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  • Choosing the right credit card for you
    05-04-2021
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    When it comes to amazing credit card perks, many of us often feel as if we’re on the outside looking in — but it doesn’t have to be that way.

    Have you ever wondered how, exactly, that forward-thinking friend manages to book free trips to exotic destinations using credit card rewards?

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  • What's the best college savings account?
    04-30-2021
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    If you have kids or grandkids, you're probably hoping they'll go to college one day. Of course, given the rate at which college tuition and fees continue to rise, you may also be wondering how on Earth you'll be able to pay for it.

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  • Fit for the future
    04-30-2021
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    Life can be full of changes, challenges and opportunities. For every situation, there are ways to cope. Here are a few things to consider when life comes your way.

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  • 4 simple steps to take control of your budget
    04-26-2021
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    If you’re similar to the average person, you probably have a budget that you made years ago sitting in an excel spreadsheet somewhere untouched. 

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  • How to pursue a 6-figure salary without the debt to match
    04-26-2021
    Written by

    When you secure a student loan, the money is all but gift-wrapped. It’s delivered to your school, and it might entirely cover your next tuition bill.

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  • Do I need savings in the bank if I have investments?
    04-26-2021
    Written by

    Life has a way of throwing expensive surprises our way, whether it involves vehicles breaking down or air conditioners malfunctioning at home. When these unplanned bills pop up, the importance of savings becomes evident. 

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  • How to lower your student loan payments by saving for yourself
    04-26-2021
    Written by

    Balancing repaying your student loans with savings is a challenge. This is especially true if you’re on an income-driven repayment plan.

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  • Six smart financial strategies
    04-22-2021
    Written by

    It’s always good to think about your goals and build a plan to reach them. Take stock of your personal finances and money strategies so you can ensure that your short- and long-term financial objectives are on track.

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  • How to travel the world while still saving for retirement
    04-22-2021
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    A good vacation is about so much more than taking a break from work. Travel can help us learn about new cultures, see new things and broaden our horizons. People with wanderlust know that when the urge to travel hits, it can be hard to ignore.

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  • Beneficiary designations: 5 critical mistakes to avoid
    04-21-2021
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    Many people might not realize that their will does not control who inherits all of their assets when they die. Many assets pass by beneficiary designation — which is the ability to fill out a form with the financial company holding the asset and name who will inherit the asset upon your death.

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  • 3 smart money habits college grads are upholding
    04-21-2021
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    Though college graduates are statistically likely to out-earn their nongraduate counterparts, many diploma holders inevitably come to regret the decision to pursue a degree, namely because of the level of debt they accrue in the process.

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  • Saving for retirement: Recent graduate edition
    04-21-2021
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    If you’re among the 65% of college graduates in the United States working to pay down student loan debt1, you likely already know how challenging it can be to simultaneously save for retirement.

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  • How to balance getting an advanced degree with retirement savings
    04-21-2021
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    Though there can be significant professional and financial benefits to earning an advanced degree, covering the tuition while simultaneously trying to save for retirement can be a challenge.

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  • Social Security: 10 smart ways to get more benefits
    04-21-2021
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    Without Social Security benefits, 22 million Americans would be poor — per a report from the Center on Budget and Policy Priorities. 

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  • How a financial expert can help you reach your money goals
    04-21-2021
    Written by

    If better financial planning has been a long-term goal for you, you’ve probably run into some common issues along the way: deciding how much you need to save for retirement, balancing debt and long-term goals, and simply covering day-to-day expenses are all common challenges most Americans face.

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  • How do you manage stress?
    04-20-2021
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    Feeling too much stress? Get more recovery.

    With the overwhelming amount of stress that many Americans may feel every day, it's easy to imagine how stress in our lives can lead to disengagement from work, clients or families, burn out or depression

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  • How to retire early - Part 2
    04-09-2021
    Written by

    Small saving moves now can significantly impact early retirement outcomes.

    A large influx of funds—an annual bonus, inheritance or capital gains from a property sale—can move the early retirement savings needle, but it’s everyday savings habits that can have the biggest impact. 

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  • Women & money transitions
    01-07-2016
    Written by

    If you're a woman facing new life challenges – a successful proprietor of a growing business, an heir with a recent windfall or perhaps someone dealing with a fresh change in marital status or a recently diagnosed illness - then you're in transition.

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