What Is a Form CRS?
Form CRS is designed to help you clearly understand the nature and cost of services you receive from your financial professional
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ExxonMobil Pension Timing: Lump Sum vs Annuity Decision
One major decision for ExxonMobil households is whether to take their pension lump sum or pension annuity and determining their pension benefits commencement date.
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Financial Records: How Long Should You Keep Documents?
If the only certainties in life are death and taxes, the only certainty about adulthood is paperwork. Each year, Americans receive some combination of W2s, 1099s, and more…all to file a Form 1040 with the IRS. And that’s just taxes. Most folks have financial records that extend far beyond tax forms. Since these documents often
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5 Tips to Get the Most Out of Your Workplace Retirement Plan
Workplace retirement plans are the most popular way for Americans to save for retirement. But that doesn’t mean employees are getting the most out of their plans. We review five ways to ensure you maximize your benefits. 1. Take the free money Many companies offer to match a percentage of what employees contribute to their
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Stay-at-Home Spouse? Consider a Spousal IRA
In a two-parent household, it’s common for one spouse to stay home with the children. This can even be a good financial decision, given the increasing cost of childcare. However, it can create a potential problem when it comes to retirement; stay-at-home spouses don’t have the same access to employer-sponsored retirement plans. Plus, since Social
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Protected: CARES Act: Required Minimum Distributions (RMDs)
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Review Your Insurance: Are You Covered?
Buying insurance is about sharing or shifting risk, but you may think you’re covered for specific losses when, in fact, you’re not.
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Transitioning Into Retirement
Many of us have never thought beyond the vague notion we’ve held during most of our working lives: that retirement — if properly planned for — will be something of an extended vacation, a reward for a lifetime of hard work. Retirement may be just that… for the first few weeks or months.
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401(k) Plan Fees
The first step is to become informed about the different types of fees and expenses charged by your plan, and the way they are allocated to plan participants.
What’s the Real Return on Your Investments?
Many investors focus on nominal return or the percentage increase or decrease in the value of an investment over a given period of time. Usually, this is expressed as an annual return. Total return factors interest payments and dividends as well as percent change in the value of the investment. However, investors hoping to achieve
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