When most investors think of investing, stock picking comes to mind. But top researchers have concluded that while most people believe individual stock selections are the key to growth, differences in asset allocation better impact total portfolio returns.
When looking for any professional advisor, it is important to be able to match their characteristics, temperament, client profile and experience level to your own profile.
The decision-making process for single parents begins with the traditional question of determining how much life insurance is enough. The simple answer to how much life insurance is enough is quite simple. It depends.
So, the first question that you might ask is, “Depends on what?” That’s easy.
It’s the largest sweeping tax reform in decades and it’s packed with some complexity. But for individuals and families, Bradford delivers these important highlights of the Tax Cuts and Jobs Act.
Let’s start with a few important areas unaffected by this reform:
It’s no surprise that studies show young adults are not into insurance. There are too many other financial challenges to worry about, such as paying off crushing student loan debt and saving for future goals. Actually, other studies show that younger adults would rather spend their money on such things as travel premium TV streaming services than use it to buy life insurance.
High yield annuities offer interest rates, on average, that are anywhere from a half a point to two points higher than those offered through bank CDs. The same spread exists between high yield annuities and regular fixed yield annuities. Those types of interest rate differences can translate into a substantial advantage in accumulated earnings over time.
Wondering what retirement really looks like today? The statistics and demographics of those retiring look different than they did just a decade ago according to the College of Financial Planning.
Life insurance can be an ultimate security blanket, but how do you know if you’re buying it for the right reasons and from the right person?
As if business owners didn’t have enough to contend in managing their business and personal finances, there is one particular aspect of their financial lives that is often neglected until it’s too late, and that is the management of their estate.