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Sunday, December 17, 2017

Every few years, predictions emerge that the estate tax will sunset. Even if it does, that will not remove the need for life insurance in estate planning. Why? The reasons are numerous. You can use life insurance proceeds to equalize...

 

Wednesday, November 22, 2017

Our relationship with money is complex & emotional. When we pay a bill, go to the mall, trade in a car for a new one, hunt for a home or apartment, or pass someone seemingly poor or rich on the street, we feel things and harbor certain...

 

Sunday, November 12, 2017

We all would love to have a little extra cash on hand for emergencies. Saving up that cash can be a challenge – but with a little effort, that challenge can be met. Imagine a 30-year-old couple with no real savings. Let’s...

 

Sunday, October 15, 2017

Directly & indirectly, you might be able to save more per month than you think. Hidden paths to greater savings can be found at home and at work, and their potential might surprise you. Little everyday things may be costing you dollars...

 

Tuesday, October 10, 2017

As you start a family, you start to think about certain financial matters. Before you became a mom or dad, you may not have thought about them much, but so much changes when you have kids. Parenting presents you with definite, sudden,...

 

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Tuesday, September 26, 2017

Bitcoin. Ethereum. Litecoin. Ripple. These are just four of the cybercurrencies attracting opportunistic investors today. Are they the next big thing? Or the next big bust? The answer to that question may vary per day, week, month, or...

 

Tuesday, August 22, 2017

48% percent of Americans do not own any stocks or stock-related investments, such as mutual funds, according to a recent Gallup poll.¹ Individuals may cite different reasons for not investing, but with important long-term...

 

Thursday, July 20, 2017

The reason withdrawals from an Individual Retirement Account (IRA) prior to age 59½ are generally subject to a 10% tax penalty is that policymakers wanted to create a disincentive to use these savings for anything other than...

 

Thursday, June 8, 2017

A comprehensive and well-thought succession plan saved my business when I suffered a medical emergency. While there were no explicit provisions in the succession plan that covered such things, all the components of the process worked...

 

Wednesday, May 17, 2017

The Social Security Disability Insurance program paid out $143.4 billion in benefits in 2015. And with a rush of new applicants lining up each year, the system is expected to exhaust its reserves at the end of 2023 if changes...

 

Tuesday, May 2, 2017

Social Security has been a fact of retirement life ever since it was established in 1935. We all think we know how it works, but how much do you really know? Here are nine things that might surprise you. The Social Security trust fund...

 

Saturday, March 25, 2017

About 20% of Americans aged 65-74 are still working. A 2016 Pew Research Center study put the precise figure at 18.8%, and Pew estimates that it will reach 31.9% in 2022. That estimate seems reasonable: people are living longer, and...

 

Wednesday, March 1, 2017

Total Financial Concepts, Inc. is pleased to announce that Douglas F. Grant has joined its team of financial services representatives serving the greater New Jersey, Pennsylvania, New York area. With 10 years of experience in the...