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Exemplar Editorial

Managing Money Well as a Couple

 

Managing Money Well as a Couple

 

What are the keys in planning to grow wealthy together?

 

Provided by Exemplar Financial Network

 

When you marry or simply share a household with someone, your financial life changes – and your approach to managing your money may change as well. To succeed as a couple, you may also have to succeed financially. The good news is that is usually not so difficult.

 

At some point, you will have to ask yourselves some money questions – questions that pertain not only to your shared finances, but also to your individual finances. Waiting too long to ask (or answer) those questions might carry an emotional price. In the 2017 TD Bank Love & Money survey consumers who said they were in relationships, 68% of couples who described themselves as “unhappy” indicated that they did not have a monthly conversation about money.1

 

Managing Student Loan Debt

 

Managing Student Loan Debt

A review of some options for federal and private loans.

 

Provided by Exemplar Financial Network

 

bigstock-Student-loan-18077153 250 wide.jpgAre you dealing with student loan debt? Have you explored ways to try and restructure it or have it forgiven?

 

No one wants to carry five figures of education debt into middle age or retirement, but some do. The burden is not just financial. Last fall, the Madison Capital Times asked student loan borrowers in the state of Wisconsin how they felt about their education debt. Sixteen percent said they were “terrified” of it, and another 30% indicated they felt only slightly less so. Fortunately, you may have possibilities to manage and reduce the debt load and the anxiety it breeds.1

Smart Financial Steps After College

 

Smart Financial Steps After College

A to-do list for the twentysomething.

 

Provided by Exemplar Financial Network

 

bigstock-Group-of-young-adults-in-busin-small.jpgDid you recently graduate from college? The years after graduation are crucial not only for getting a career underway, but also for planning financial progress. Consider making these money moves before you reach thirty.

Financing a College Education

 

Financing a College Education

A primer for parents and grandparents.

 

Provided by Exemplar Financial Network

 

bigstock-Student-loan-18077153 250 wide.jpgA university education can often require financing and assuming debt. If your student fills out the Free Application for Federal Student Aid (FAFSA) and does not qualify for a Pell Grant or other kinds of help, and has no scholarship offers, what do you do? You probably search for a student loan.

Why You Should Have an Online Social Security Account

 

Why You Should Have an Online Social Security Account

In monitoring your Social Security profile, you may help to thwart fraud.

 

Provided by Exemplar Financial Network

 

bigstock-Hacker-In-Work-small.jpgCould your personal information soon be stolen? The possibility cannot be dismissed. Sensitive financial and medical data pertaining to your life may not be as safe as you think, and thieves may turn to a vast resource to try and mine it – the Social Security Administration.

 

Consider three facts, which in combination seem especially troubling. One, Social Security’s databases contain sensitive personal information on hundreds of millions of Americans, both living and dead. Two, more than 34 million Americans interact with the SSA online. Three, nearly 100% of Social Security benefits are disbursed electronically.1

Protecting Your Intellectual Capital

bigstock-Notepad-with-Intellectual-capi-106965092.jpgMany people, who have achieved success and wealth through their business, have done so with their intellectual capital. What exactly is intellectual capital?

Why Having a Financial Professional Matters

 

Why Having a Financial Professional Matters

A good professional provides important guidance and insight through the years.

 

Provided by Exemplar Financial Network

 

financial advisor bigstock small.jpgWhat kind of role can a financial professional play for an investor? The answer: a very important one. While the value of such a relationship is hard to quantify, the intangible benefits may be significant and long lasting.

 

A good financial professional can help an investor interpret today’s financial climate, determine objectives, and assess progress toward those goals. Alone, an investor may be challenged to do any of this effectively. Moreover, an uncounseled investor may make self-defeating decisions.

 

Some investors never turn to a financial professional. They concede that there might be some value in maintaining such a relationship, but they ultimately decide to go it alone. That may be a mistake.

Your 2018 Financial To-Do List

Your 2018 Financial To-Do List

Things you can do for your future as the year unfolds.

 

Provided by Exemplar Financial Network

  

bigstock-Christmas-Concept--Red-small.jpgWhat financial, business, or life priorities do you need to address for 2018? Now is a good time to think about the investing, saving, or budgeting methods you could employ toward specific objectives, from building your retirement fund to lowering your taxes. You have plenty of options. Here are a few that might prove convenient:

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. 

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

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