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Following are some tips on how to create a safety net that can help protect you financially from the challenges you may face one day. Stash some cash for an emergency. An emergency fund is an important…

Of the new year, celebrated Victorian poet Alfred Lord Tennyson said, “Ring out the false, ring in the true.” So in that spirit, we pose two questions: 1. Do you feel wealthy?2. Do you feel “well-thy”? In…

If you recently graduated or left college, you may need to begin repaying your federal student loans soon. Here are a few tips that may help. Consider consolidating your loans. You can consolidate most…

If you recently graduated or left college, you may need to begin repaying your federal student loans soon. Here are a few tips that may help. Determine when repayment must begin.  Federal student loans…

What is a bond or CD Ladder A ladder is a strategy that staggers the maturity dates of individual bonds and certificates of deposits (CDs) in order to provide you with frequent access to portions of…

An easy, tax-smart way to manage your charitable giving. Perhaps the easiest way to grasp the potential of a donor-advised fund is to think of it as a way to make grants to charities without the expense…

In Your 60s: Check Your Progress. Retirement may have seemed like a distant dream when you first began to save for it, but by the time you reach age 60, retirement may be in the near future. It is time…

If you suddenly received $10 million and the diagnosis that you had only 10 years to live, what would you start doing? What would you stop doing? The specific dollar amount that triggers your personal…

In Your 40s and 50s: Fine Tune Your Financial Plan. With retirement just a decade or two away, you may have a more realistic idea now than you did in your twenties or thirties of how much income you…

In Your 20s and 30s: Start Saving Early. Time is the greatest ally you have when saving for retirement. Why is that? The longer your savings have to compound, the less money you may need to contribute…