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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

 

Summer 2018

Summer 2018

bigstock-Happy-family-in-the-pool-small.jpg Please use this resource to help plan your summer with your families. Make it a great summer!.

 

College Funding Options

College Funding Options

You can plan to meet the costs through a variety of methods.

 

Provided by Exemplar Financial Network

 

bigstock-College-Just-Ahead-Sign-77827751.jpgHow can you cover your child’s future college costs? Saving early (and often) may be the key for most families. Here are some college savings vehicles to consider.

 

529 plans. Offered by states and some educational institutions, these plans let you save up to $14,000 per year for your child’s college costs without having to file an IRS gift tax return. A married couple can contribute up to $28,000 per year. (An individual or couple’s annual contribution to the plan cannot exceed the IRS yearly gift tax exclusion.) These plans commonly offer you options to try and grow your college savings through equity investments. You can even participate in 529 plans offered by other states, which may be advantageous if your student wants to go to college in another part of the country.1,2

 

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 Life Insurance Matters for New Homeowners

 

Why Life Insurance Matters for New Homeowners

It addresses a significant financial risk.

 

Provided by Exemplar Financial Network

 

bigstock-Closeup-Of-Contract-Of-House-S-98231804 (1).jpgIf you buy a home and you have no life insurance, there is a financial risk. It may not be immediately evident, but it must be acknowledged – and it should be addressed.

   

What if you die, and your spouse or partner is left to pay off the mortgage alone? This possibility may seem remote, and it may be hard for you to contemplate. It deserves consideration regardless.

Why You Want a Retirement Plan in Writing

 

Why You Want a Retirement Plan in Writing

Setting a strategy down may help you define just what you need to do.

 

Provided by Exemplar Financial Network

 

bigstock-A-blue-nametag-sticker-with-small.jpgMany people save and invest vaguely for the future. They know they need to accumulate money for retirement, but when it comes to how much they will need or how they will do it, they are not quite sure. They will “wing it,” hope for the best, and see how it goes. How do they know they are really contributing enough to their retirement accounts? Would they feel less anxious about the future if they had a written plan? 

What Should You Keep?

 

What Should You Keep?

Even with less itemizing, there are still tax documents you want to retain for years to come.

 

Provided by Exemplar Financial Network

 

bigstock-Messy-Papers-131269.jpgFewer taxpayers are itemizing in the wake of federal tax reforms. You may be one of them, and you may be wondering how many receipts, forms, and records you need to hold onto for the future. Is it okay to shred more of them? Maybe not.

Exemplar Financial Network Recognized by InvestmentNews as a 2018 Best Places to Work for Financial Advisors

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MEDIA CONTACT: Beth Lopez

EMAIL ADDRESS: blopez@exemplarfn.com

PHONE NUMBER: 815-459-4550 x107

 

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