Resource Center

Umbrella Insurance Explained: Do You Need More Liability Protection? A single liability claim can run into the millions. If your home or auto policy caps out before the judgment does, the difference comes from your savings, your investment accounts, and the assets you've spent decades building. ...

529 Plans vs. Other Education Savings Options: What's Best for Your Family? A family opens a UGMA account because it feels flexible with no restrictions and no penalties. The family discovers a few years later that the money legally belongs to their teenager the moment they turn 18, regardless of ...

How Parents and Grandparents Can Fund a Child’s Education Together When multiple family members want to help pay for a child's education, the instinct is to say yes to everyone. More contributions should mean less debt, and often they do. The problem is "yes" from the wrong account, at the wrong ...

How Much Should You Save for College | Building a College Funding Plan The average cost of a four-year college education is projected to exceed $200,000 by the time today's toddlers graduate high school. Most families don't have a savings shortfall because they chose the wrong account. They have ...

Why Long-Term Care Planning Matters for Future Healthcare Costs According to the 2025 Milliman Long-Term Care Index, the average 65-year-old faces roughly $135,000 in lifetime long-term care costs. For extended care, that number rises far beyond what most retirement plans account for. But the ...

Why Disability Insurance Is the Most Overlooked Piece of a Financial Plan Every financial plan runs on one thing: the income that funds it. Mortgages, retirement contributions, insurance premiums, college savings. All of it depends on a paycheck arriving each month. Yet according to a 2024 LIMRA ...

Why Tax-Efficient Investment Strategies Work Better Together You can own a well-diversified, low-cost portfolio and still leave significant money on the table at tax time. That happens when withdrawals, Roth decisions, and investment placement are each handled separately, without connecting them to ...

Year-End Tax Planning Checklist | Financial Moves to Make Before December 31, 2026 One extra December distribution. An oversized Roth conversion. Poorly timed investment gains in a taxable account. Any of those moves can look clean on paper and still shift your tax bracket, trigger Medicare ...

Roth IRA vs. Traditional IRA for Your Retirement Strategy Most people settle the Roth vs. Traditional question at contribution time. One account reduces this year's tax bill, the other doesn't, decision made. What they don't see yet is age 73, when required minimum distributions begin, Social ...

A Smarter Approach to Estate Planning for Blended Families You can love everyone in your family equally and still leave behind a financial mess. It happens more than most people expect: a beneficiary form filled out years ago quietly overrides what a will says, a surviving spouse inherits ...