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Exemplar Editorial

The Cost of Waiting to Save

 

After Tax Organization in Four Simple Steps

After Tax Organization in Four Simple Steps

by Exemplar Financial Network


Now that you have filed your taxes and have put your financial records for 2015 behind you, what do you do with all of that paperwork?  And how do you stay organized throughout 2016 so that next year’s filing is a snap?  Taking a few simple organizational steps now and sticking with them for the next few months will make a big difference when you file next year.

Financial Planning with Health Insurance in Mind

 

Financial Planning with Health Insurance in Mind

How much might health care cost you someday?

 

Provided by Exemplar Financial Network

 

bigstock-Health-Insurance-Policy-small.jpg“Financially speaking, what would be the worst thing that could happen to you?” If you ask a hundred people in their forties that question, you may get a dozen different answers. Some may say “my business going under” or “losing my house.” Some might say “a divorce,” “a lawsuit,” or “being laid off.” But how many would say “a severe illness?”

What Should You Do With Your Tax Refund?

What Should You Do With Your Tax Refund?

 

A few possibilities to consider.

 

Presented by Exemplar Financial Network

 

bigstock-Tax-Return-Check-3982587.jpgWill you be receiving a tax refund this year? If so, you might want to think about the destiny of that money. Here are a few options to consider:

Should You Plan to Retire on 80% of Your Income?

 

Should You Plan to Retire on 80% of Your Income?

Examining a long-held retirement planning assumption.

 

Provided by Exemplar Financial Network

 

bigstock-Calculator-With-The-Word-Retir-small.jpgA classic retirement planning rule states that you should retire on 80% of the income you earned in your last year of work. Is this old axiom still true, or does it need reconsidering?

 

Some new research suggests that retirees may not need that much annual income to keep up their standard of living.

Reducing the Risk of Outliving Your Money

 

Reducing the Risk of Outliving Your Money

What steps might help you sustain and grow your retirement savings?

 

Provided by Exemplar Financial Network

 

bigstock-Retirement-Fund-Bankrupt-small.jpg“What is your greatest retirement fear?” If you ask retirees that question, “outliving my money” may likely be one of the top answers.  Retirees and pre-retirees alike share this anxiety. In a 2014 Wells Fargo/Gallup survey of more than 1,000 investors, 46% of respondents cited that very fear; 42% of the respondents to that poll were making $90,000 a year or more.1

Should You File Jointly, Or Not?

 

Should You File Jointly, Or Not?

For many married couples, filing jointly is a good idea, but there are exceptions.

 

Provided by Exemplar Financial Network

 

bigstock-Tax-Concept-small.jpgNinety-five percent of married couples file joint federal tax returns. Filing jointly can be convenient. Frequently, there’s a financial advantage, but that does not mean it should be done without consideration.1

   

Years ago, there was less incentive to file jointly. That was because the “marriage penalty” for doing so was effectively greater. There is no written “marriage penalty” in the Internal Revenue Code, but, in the past, income tax brackets were structured a bit differently and spouses having similar annual incomes sometimes paid more taxes by filing jointly than single taxpayers did.

The Pros & Cons of Roth IRA Conversions

The Pros & Cons of Roth IRA Conversions

What are the potential benefits? What are the drawbacks?

 

Provided by Exemplar Financial Network

 

bigstock-A-blue-nametag-sticker-with-small.jpgIf you own a traditional IRA, perhaps you have thought about converting it to a Roth IRA. Going Roth makes sense for some traditional IRA owners, but not all. 

An Estate Planning Checklist

An Estate Planning Checklist

What to check (and double-check) before you leave this world.

 

Presented by Exemplar Financial Network

 

bigstock-Estate-planning-worksheet-small.jpgCreate a will if you do not yet have one. A valid will may save your heirs from some expensive headaches linked to probate and ambiguity. A solid will drafted with the guidance of an estate planning attorney will likely cost you a bit more than a “will-in-a-box,” but may prove to worth the expense.

Planning for Long Term Care

Planning For Long Term Care

Make sure you don't deplete your savings

submitted by Exemplar Financial Network

 

bigstock-Long-Term-Care-small.jpgAs we age, the odds of incurring an injury or major illness that will prevent us from performing simple daily functions increase substantially. Today, one in three people over the age of 65 will require assisted care of some sort. Past age 75 the odds increase to where one in two will need nursing care. With the average cost of nursing care now surpassing $7000 a month, it’s no wonder that long term care often decimates the savings and assets of the seniors who need it.

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