If You Retire Early, Watch Out for IRS Penalities

If You Retire Early, Watch Out for IRS Penalities

By Theresa Fry, Senior Vice President and Manager, IRA's, Retirement & Education Planning If there is one thing that this past year and a half has taught us, it’s that life doesn’t always go according to plan. If you find yourself in a situation where...

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Planning for Sustainable Retirement Income

Planning for Sustainable Retirement Income

By Eric Estelle, Manager, Financial Planning & Marketing Retirement can be both a joyous occasion and a scary proposition. For many, the thought of no longer having a steady paycheck causes enough anxiety to overshadow the accomplishment of reaching...

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Annuity Lifetime Guaranteed Income Gives Confidence

Annuity Lifetime Guaranteed Income Gives Confidence

By Dan Schulte, Senior Vice President and Manager, Annuities and Insurance There is little argument that equities have produced impressive returns over a long period of time, but retirees and pre-retirees often begin to ask themselves questions such as,...

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Is Your Three-Legged Stool Wobbly?

Is Your Three-Legged Stool Wobbly?

By Theresa Fry, Senior Vice President, Manager of IRA's, Retirement & Education Planning The description of the three-legged stool for retirement income has been a staple in planning for a long time. The three components or “legs” of the stool are:...

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Scary Financial Mistakes: Retirement Planning Pitfalls

Scary Financial Mistakes: Retirement Planning Pitfalls

By Edward “Ed” V. O’Neal, Senior Vice President and Manager, Retirement Plans As we get closer to Halloween, it’s natural to think about the things that scare us. For many, it’s something very specific like spiders, ghosts or even clowns! For others, it’s...

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Today is National 401(k) Day

Today is National 401(k) Day

By Edward “Ed” V. O’Neal, Senior Vice President and Manager, Retirement Plans Addressing the Retirement Savings Gap Remains a Focus of National 401(k) Day The month of September is often connected with the celebration of Labor Day, a holiday to honor and...

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Lifetime “Stretch” IRA Dies; Life Insurance Lives

Lifetime “Stretch” IRA Dies; Life Insurance Lives

By Dan Schulte, Vice President and Manager, Annuities and Insurance The recently passed Setting Every Community Up for Retirement Enhancement (SECURE) Act, changes the post-death distribution rules for retirement account owners by requiring most...

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Scary Financial Mistakes: Taking Social Security Early

Scary Financial Mistakes: Taking Social Security Early

By Theresa Fry, Senior Vice President and Manager, IRAs, Retirement and Education Planning One of the biggest fears most people have about retirement is running out of money.  Retirement decisions can be scary because your financial well-being depends on...

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Scary Financial Mistakes: Defaulting on a Retirement Plan Loan

Scary Financial Mistakes: Defaulting on a Retirement Plan Loan

By Edward “Ed” V. O’Neal, Vice President and Manager, Retirement Plans Sometimes just the surprises and uncertainty in our daily lives can be scary!   At times, things just don’t work out as planned and events can happen that we didn’t anticipate; like a...

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What is “Key Employee” Life Insurance?

What is “Key Employee” Life Insurance?

By Dan Schulte, Vice President and Manager, Annuities and Insurance All businesses, regardless of their size, have key employees that are invaluable to the success of the company.  The death of an individual whose services are important to a business will...

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Diversify and Modernize Your Income Sources

Diversify and Modernize Your Income Sources

By Pete Biebel, Senior Vice President Investors who are entering the autumn of their investing career might want to put a little spring into the income side of their portfolios.  As investors approach their retirement years they typically de-risk their...

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Can I Collect Social Security from My Ex?

Can I Collect Social Security from My Ex?

By Theresa Fry, Senior Vice President and Manager, IRAs, Retirement and Education Planning Many people find Social Security decisions confusing, but if you are or were previously divorced, understanding what your options are can be even more complicated. ...

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Retirement Income Series: How Confident Are You?

Retirement Income Series: How Confident Are You?

By Debbie Placke, Vice President, Manager Financial Planning Tools and Marketing and Nick Frigerio, Associate Vice President, Planning and Research Associate Do you have a plan in place for retirement? Whether you are years away, or retirement is right...

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Nonprofit Organizations: Planning for Sustainability

Nonprofit Organizations: Planning for Sustainability

By Nick Frigerio, Planning and Research Associate, Associate Vice President Nonprofits have a core mission at the forefront of everything they do for the communities they serve. They have a unique responsibility to invest funds provided by donors that...

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When to Consider a Nonqualified Deferred Compensation Plan?

When to Consider a Nonqualified Deferred Compensation Plan?

By Edward “Ed” V. O’Neal, Vice President and Manager, Retirement Plans As an employer, it’s important to have enthusiastic and engaged employees, and one way to impact that is by offering competitive employer-sponsored benefits (i.e.  retirement plans,...

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Take Action in Attracting and Rewarding Key Employees

Take Action in Attracting and Rewarding Key Employees

By Edward “Ed” V. O’Neal, Vice President and Manager, Retirement Plans Recruiting and retaining key employees and executive management can be critical to the ongoing success for any employer. Given this, what solutions are available to employers to entice...

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