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Can We Afford to Live to 100?

Can We Afford to Live to 100?

 

Our increased longevity poses a retirement planning challenge.

 

Provided by Exemplar Financial Network

 

bigstock-birthday-cake-with-lit-candles-53339983.jpgSome of us may retire at 65 and live to 100 or 105. Advances in health care may make this a strong possibility. The corresponding question is: will we outlive our money?

Refrain from Tapping Your Retirement Funds

 

Refrain from Tapping Your Retirement Funds

Resist the temptation. Your future self will thank you.

 

Provided by Exemplar Financial Network

 

bigstock-Retirement-Fund-5464669.jpgRetirement accounts are not bank accounts. Nor should they be treated as such. When retirement funds are drawn down, they impede the progress of retirement planning, even if the money is later restored. 

Are There Blind Spots in Your Insurance Plan?

 

Are There Blind Spots in Your Insurance Plan?

Deficient coverage may cost you someday.

 

Provided by Exemplar Financial Network

 

bigstock-Insurance-small.jpgMany households and businesses are insufficiently insured. The problem is not necessarily the quality of coverage, but the breadth and depth of it. Your own business or household may be more vulnerable than you realize.

 

Too many people go without disability insurance. If you work in a physically demanding field, your employer may provide short-term disability coverage – but many companies do not. According to the Bureau of Labor Statistics, just 39% of workplaces offer employees short-term coverage, and only 33% offer long-term coverage.1

Will Debt Spoil Too Many Retirements?

 

Will Debt Spoil Too Many Retirements?

What pre-retirees owe could compromise their future quality of life.

 

Provided by Exemplar Financial Network

 

bigstock-A-senior-adult-couple-sitting--small.jpgThe key points of retirement planning are easily stated. Start saving and investing early in life. Save and invest consistently. Avoid drawing down your savings along the way. Another possible point for that list: pay off as much debt as you can before your “second act” begins. 

 

Some baby boomers risk paying themselves last. Thanks to lingering mortgage, credit card, and student loan debt, they are challenged to make financial progress in the years before and after retiring.

5 Common Financial Terms - You Probably Should Know

bigstock-Close-Up-Of-Old-English-Dictio small.jpgIf you’re just starting to take charge of your financial future, it can be stressful approaching financial planning with confidence.

Is a Home an Investment?

 

Is a Home an Investment?

From one perspective, the answer is yes; from another, no.

 

Provided by Exemplar Financial Network

 

bigstock-building-mortgage-investment-125889929.jpgWhen you buy a home, are you investing? If you buy it to flip it or buy it as a rental property, the answer is yes. If you buy a home simply to live in it, the answer may be no.

 

Your home is an expression of your lifestyle, a wonderful setting for your life, and a place you can enjoy in privacy and comfort. As an investment, though, it is essentially illiquid, and its rate of return is no sure thing. 

Avoiding the Cybercrooks

 

Avoiding the Cybercrooks

How can you protect yourself against ransomware, phishing, and other tactics?

 

Provided by Exemplar Financial Network

 

bigstock-Computer-Security-Breach-Cyber-small.jpgImagine finding out that your computer has been hacked. The hackers leave you a message: if you want your data back, you must pay them $300 in bitcoin. This was what happened to hundreds of thousands of PC users in May 2017 when they were attacked by the WannaCry malware, which exploited security flaws in Windows.

 

How can you plan to avoid cyberattacks and other attempts to take your money over the Internet? Be wary, and if attacked, respond quickly.

The Equifax Data Breach

 

The Equifax Data Breach

Have you been affected? If so, how can you try to protect yourself?

 

Provided by Exemplar Financial Network

 

On September 7, credit reporting agency Equifax dropped a consumer bombshell. It revealed that cybercriminals had gained access to the personal information of as many as 143 million Americans between May and July – about 44% of the U.S. population. The culprits were able to retrieve roughly 209,000 credit card numbers, in addition to many Social Security and driver’s license numbers.1

Financial Priorities Young Families Should Address

Financial Priorities Young Families Should Address

Wise money moves for parents under 40.

 

Provided by Exemplar Financial Network

 

bigstock-Happy-family-in-the-pool-small.jpgAs you start a family, you start to think about certain financial matters. Before you became a mom or dad, you may not have thought about them much, but so much changes when you have kids.

 

Parenting presents you with definite, sudden, financial needs to address. By focusing on those needs today, you may give yourself a head start on meeting some crucial family financial objectives tomorrow. The to-do list should include:

Getting Kids Excited and Ready for the School Year

Getting Kids Excited & Ready for the School Year

Little things that might help your children look forward to the fall.

 

Provided by Exemplar Financial Network

 

bigstock-Strong-child-with-muscles-draw-62087015.jpgHow can you get your kids back in school mode? Unscheduled summer days can lead to unstructured mornings and frustration for families when school days roll around. You may be wondering what you can do to bring back some organization in the mornings.

Meet your team

Have you met your team?

We have a wealth of experience in the financial services industry.

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