Understanding Marginal Income Tax Brackets

Tip: High Bracket. In 1944, the highest federal income tax bracket was 94%. It applied to all income above $200,000 a year and applied to all taxpayers, regardless of filing status. Source: Tax Policy Center, 2017…

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A Look At Whole Life Insurance

Whole life insurance remains in force for your whole life, as long as you remain current with your premiums. In exchange for fixed premiums, the insurance company promises to pay a set benefit when the…

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Assess Life Insurance Needs

Tip: Final Cost. Paying for a funeral can be a financial burden on a family. Make sure your estate management will provide your loved ones with sufficient funds to cover this important cost. If your family…

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A Look At Diversification

Tip: Correlation. To adequately diversify, it’s important to select securities that have a low correlation — that is, securities that don’t tend to track each other’s movements up and down. Securities with a high correlation may…

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The Business Cycle

Tip: Not Smooth. During both recessions and expansions, the economy can go through brief reversals in economic activity. A recession may include a short period of expansion followed by further decline; an expansion may include a…

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Estate Management Checklist

Do You Have A Will? A will enables you to specify who you want to inherit your property and other assets. A will also enables you to name a guardian for your minor children. Do…

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Critical Estate Documents

Financial Documents Joint Ownership Durable Power of Attorney Living Trust What does it do? Enables you to own property jointly with another person Authorizes someone to handle legal and financial decisions if you become incapacitated…

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9 Facts About Social Security

Tip: How Much? Check your Social Security earnings and see an estimate of your benefits on the Web site, www.ssa.gov. Social Security’s been a fact of retirement life ever since it was established in 1935. We…

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9 Facts About Retirement

Tip: Nearly 80% of workers expect to work for pay in retirement, but only 29% of retirees actually have done so. Source: 2017 Retirement Confidence Survey, EBRI Retirement can have many meanings. For some, it will…

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What Is An Annuity?

Tip: Still Selling Strong. In 2017, investors purchased $192.1 billion in annuity contracts. Most of this capital—$108 billion—went into fixed annuities. Source: LIMRA, 2018 Individuals hold about $2.2 trillion in annuity contracts; a tidy sum considering an estimated…

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