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Exemplar Editorial

Why Retirees Need Good Credit Scores

 

Why Retirees Need Good Credit Scores

Careers & businesses end, but the need to borrow remains.

 

Provided by Exemplar Financial Network

 

bigstock-Colorful-stack-of-credit-cards-small.jpgWe spend much of our adult lives working, borrowing, and buying. A good credit score is our ally along the way. It retains its importance when we retire.

 

Retirees should do everything they can to maintain their credit rating. A FICO score of 700 or higher is useful whether an individual works or not. 

The Real Cost of College

The Real Cost of College

 

It may not be what you think. 

 

Provided by Exemplar Financial Network

 

bigstock-Student-loan-18077153 250 wide.jpgHow much will your family end up paying for college? Your household’s income may have less influence than you think – and some private colleges may be cheaper than you assume.

Having the Money Talk With Your Children

 

Having the Money Talk with Your Children

 

How much financial knowledge do they have?

 

Provided by Exemplar Financial Network

 

bigstock-Girl-Saving-Money-With-Family--smaller.jpgSome young adults manage to acquire a fair amount of financial literacy. In the classroom or the workplace, they learn a great deal about financial principles. Others lack such knowledge and learn money lessons by paying, to reference William Blake, “the price of experience.”

Ways the Middle Class Can Make a Difference for Charity

 

Ways the Middle Class Can Make a Difference for Charity

You don’t need to be wealthy to make an impact & get a win-win.

 

Provided by Exemplar Financial Network

 

bigstock-charity-raise-money-to-help-do-small.jpgDo you have to make a multimillion-dollar gift to a charity to receive immediate or future financial benefits? No. Consider the following options, which may bring you immediate or future tax deductions.

Have a Plan, Not Just a Stock Portfolio

 

Have a Plan, Not Just a Stock Portfolio

Diversification still matters. One day, this bull market will end.

 

Provided by Exemplar Financial Network

 

bigstock-Retirement-Plan-Savings-Senio-small.jpgIn the first quarter of 2017, the bull market seemed unstoppable. The Dow Jones Industrial Average soared past 20,000 and closed at all-time highs on 12 consecutive trading days. The Nasdaq Composite gained almost 10% in three months.1

 

An eight-year-old bull market is rare. This current bull is the second longest since the end of World War II; only the 1990-2000 bull run surpasses it. Since 1945, the average bull market has lasted 57 months.2

Key Estate Planning Mistakes to Avoid

 

Key Estate Planning Mistakes to Avoid

Too many people make these common errors.

 

Provided by Exemplar Financial Network

 

bigstock-Estate-planning-worksheet-small.jpgMany affluent professionals and business owners put estate planning on hold. Only the courts and lawyers stand to benefit from their procrastination. While inaction is the biggest estate planning error, several other major mistakes can occur. The following blunders can lead to major problems.

When Someone Dies Without a Will

 

When Someone Dies Without a Will

Where do things proceed from that point?

 

Provided by Exemplar Financial Network

 

bigstock-Last-Will-And-Testament-small.jpgEvery day, people die intestate. In legalese, that means without a will. This opens the door for the courts to decide what happens with their estates.

 

When no valid will exists, state intestacy laws dictate how assets are distributed. These laws divide an estate evenly (or equitably) among heirs. Any assets held in joint tenancy go to the joint owner. Assets held in a trust transfer to the trust beneficiaries (with spouses getting a share of those assets in some states). Community property goes to a spouse or partner in community property states.1

Robo-Advisors vs. Human Advisors

 

Robo-Advisors vs. Human Advisors

 

If an investor chooses a non-human financial advisor, what price could they end up paying?

 

Provided by Exemplar Financial Network

 

bigstock--brain vs computer.jpgInvestors have a choice today that they did not have a decade ago. They can seek investing and retirement planning guidance from a human financial advisor or put their invested assets in the hands of a robo-advisor – a software program that maintains their portfolio.

 

Why would an investor want to leave all that decision making up to a computer? In this era of cybercrime and “flash crashes” on Wall Street, doesn’t that seem a little chancy?

America Saves Week (February 27-March 4, 2017)

 

America Saves Week

How much are you setting aside on behalf of your goals?

 

Provided by Exemplar Financial Network

 

bigstock-Basket-Egg-Investment-Portfoli-small.jpg“Set a goal, make a plan, and save automatically.” This is the motto of America Saves Week, which begins on February 27.

 

America Saves – a project of the American Savings Education Council – calls on Americans to do all three of those things to try and improve their finances. Each winter, it surveys Americans to see how well (or poorly) they are saving. The survey is in its tenth year, and perhaps some recent trends will be reversed in the 2017 edition.

10 Ways A Wealth Advisor Can Help

bigstock-Piggy-Banks-With-Savings small.jpg

 

People often view financial advice through a single lens, as investment advice. However, there’s a big difference between simply managing your investment portfolio (one aspect of your overall finances) and a holistic approach to coordinating your entire financial picture. Only a full-service, independent wealth advisor provides the critical planning services and advice you require across your financial life to create alignment between your various strategies. And that can make the difference between remaining on track and falling short of your financial objectives or timeline.

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