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Exemplar Editorial

Protecting Yourself Against Cyberattacks

Protecting Yourself Against Cyberattacks

How vulnerable is your data?

 

Provided by Exemplar Financial Network

 

bigstock-Hacker-In-Work-small.jpg25% of Americans were cyberhacked between March 2014 and March 2015. The American Institute of CPAs announced that alarming discovery in April, publishing the results of a survey conducted by Harris Poll. Disturbing? Certainly, but the instances of pre-retirees being victimized were even greater – 34% of adults aged 55-64 reported having their data stolen or compromised within that period.1

Investors Beware: The Media Noise can be Deafening

bigstock-Display-of-Stock-market-quotes-small.jpgMost people would argue that living in a digital world, with instant access to an endless stream of information has made us smarter and more self-empowered than past generations.

The New Gradual Retirement

 

The New Gradual Retirement

Working a little (or a lot) after 60 may become the norm.

 

Provided by Exemplar Financial Network

 

bigstock-Writing-retired-and-enjoying it small.jpgDo we really want to retire at 65? Not according to the latest annual retirement survey from the Transamerica Center for Retirement Studies which gauges the outlook of American workers. It found that 51% of us plan to work part-time once retired. Moreover, 64% of workers 60 and older wanted to work at least a little after 65 and 18% had no intention of retiring.1 

Estate Planning for Your Digital Assets

Estate Planning for Your Digital Assets

Have you addressed this issue?

 

Provided by Exemplar Financial Network

 

woman at computer small.jpgSocial media and email accounts. Creative works, photos and keepsakes kept on home computers, the cloud or external storage drives. E-commerce accounts. Domain names. Bitcoin. These are all examples of digital assets. You will manage them closely as long as you live – but what will happen to them once you die?

Investing in Agreement With Your Beliefs

 

Investing in Agreement With Your Beliefs

The case for aligning your portfolio with your outlook & worldview.

 

Provided by Exemplar Financial Network

 

bigstock-Meditation-And-Relaxation-On-small.jpgDo your investment choices reflect your outlook? Are they in agreement with your values? These questions may seem rather deep when it comes to deciding what to buy or sell, but some great investors have built fortunes by investing according to the ethical, moral and spiritual tenets that guide their lives.     

 

Sir John Templeton stands out as an example. Born and raised in a small Tennessee town, he became one of the world’s richest men and most respected philanthropists. Templeton maintained a lifelong curiosity about science, religion, economics and world cultures – and it led him to notice opportunities in emerging industries and emerging markets (like Japan) that other investors missed. Believing that “every successful entrepreneur is a servant,” he invested in companies that did no harm and which reflected his conviction that “success is a process of continually seeking answers to new questions.”1

The Very High Cost of Waiting to Save for Retirement

Planning a Family: What to Save for Right Now

The Difference Between Good Debt & Bad Debt

 

The Difference Between Good & Bad Debt

Some debts are worth assuming, but others exert a drag on retirement saving.

 

Provided by Exemplar Financial Network

 

debt man small.jpgWho will retire with substantial debt? It seems many baby boomers will – too many. In a 2014 Employee Benefit Research Institute survey, 44% of boomers reported that they were concerned about the size of their household debt. While many are carrying mortgages, paying with plastic also exerts a drag on their finances. According to credit reporting agency Experian, boomers are the generation holding the most credit cards (an average of 2.66 per person) and the biggest average per-person credit card balance ($5,347).1,2

  

Indebtedness plagues all generations – and that is why the distinction between good debt and bad debt should be recognized.

Paying for College While Saving for Retirement

paying for college while saving for retirement

 

These two objectives are not mutually exclusive.

 

Provided by Exemplar Financial Network

college just ahead small.jpgIt can be done. All across America, families are meeting a mighty financial challenge – the challenge of paying college costs with retirement potentially on the horizon. How do they do it? They go about it consistently; they also get creative.

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