You think back fondly on those halcyon collegiate days--studying in the quad, late-night pizza, tailgating for the big game, dorm living, tossing your graduation cap in the air...beyond the lifelong friends and the parties and fun, college helped you get to where you are today. Looking ahead, your...
Do You Need Disability Income Insurance?
People ordinarily buy property and casualty insurance to protect their possessions (houses, cars, and furniture) and life insurance to provide income for their survivors. However, many people don't think about protecting their income with disability income...
Sudden Wealth
What would you do with an extra $10,000? Maybe you'd pay off some debt, get rid of some college loans, or take a much-needed vacation. What if you suddenly had an extra million or 10 million or more? Now that you've come into a windfall, you have some issues to deal with. You'll need...
Investing for Major Financial Goals
Go out into your yard and dig a big hole. Every month, throw $50 into it, but don't take any money out until you're ready to buy a house, send your child to college, or retire. It sounds a little crazy, doesn't it? But that's what investing without setting clear...
Investing for Major Financial Goals
Go out into your yard and dig a big hole. Every month, throw $50 into it, but don't take any money out until you're ready to buy a house, send your child to college, or retire. It sounds a little crazy, doesn't it? But that's what investing without setting clear...
The Sandwich Generation: Juggling Family Responsibilities
At a time when your career is reaching a peak and you are looking ahead to your own retirement, you may find yourself in the position of having to help your children with college expenses while at the same time looking after the needs of...
Fiscal Fitness: 5 Steps to Shape Up Your Finances in 2018
By Jason Silverberg CFP®, CLU®, ChFC®
It’s January and the new year is in full swing. You’ve probably made resolutions - maybe even broken one or two already. If reviewing your financial situation wasn’t on your list of resolutions, now’s a...
Preparing For a Market Downturn
Jeff McGrath, CFA® Registered representative Investment advisor representative Chief investment officer Securian Financial Services
A downturn in the market is unpredictable but history suggests it’s inevitable. How you prepare for a downturn, though, is what counts...
Life Insurance Riders that Pay for Long-Term Care
Life insurance has many uses, including income replacement, business continuation, and estate preservation. Long-term care insurance provides financial protection against the potentially high cost of long-term care. If you find yourself in need of...
4 Reasons Why You Shouldn't Hire a Financial Planner
By Jason Silverberg, CFP®, CLU®, ChFC®
You’ve heard the message over and over again. Hire a financial planner to help you achieve your financial dreams and goals. While a financial planner can be an invaluable resource, there might be some...
By Jason Silverberg, CFP®, CLU®, ChFC®
On June 9, 2017, the Department of Labor’s “Fiduciary Rule” went into effect. The rule has caused some confusion on behalf of the investing public as well as the financial services industry. Many financial organizations are...
5 Steps to Solving Your Financial Planning Puzzle
By Jason Silverberg, CFP®, CLU®, ChFC®
1. Visualize the picture on the puzzle box
It’s important to start with the end in mind, otherwise it’s hard to know where you’re going. By identifying what you want your life to be like, it will be...
