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Posts by Ben Geier:
The calendar recently switched from 2022 to 2023, but if you didn’t do a year-end review of your financial portfolio, don’t worry — there’s still time to take a look and fix anything that isn’t quite right before we get too far into this year. If you’re not sure where to start, financial services form Morningstar has a list of seven steps you can take right now to review your portfolio. If you want more help making sure you’re ready to go, consider working with a financial advisor. Read more
For many people, especially those with spouses and children, buying life insurance can be an important part of being financially responsible and making sure their family is provided for should the worst happen. The first step in determining whether you need life insurance, and what type to get, is to educate yourself. This page will walk you through what you need to know. If you want more help with life insurance, consider working with a financial advisor. Read more
Though the inflation rate has slowed in the past six months, there is no denying that Americans are still living in an inflationary environment. This impacts people day-to-day — when they go to the grocery store and consider taking out a second mortgage to buy a box of cereal, for instance — but it also has more nuanced impacts, such as on retirement savings. Investing is always difficult, but figuring out which investments to make during a period of high inflation can be particularly challenging. Asset management firm Morningstar, though, has laid out some solid options for investors looking to hedge their portfolios against inflation. For more help with managing your portfolio in the times of high inflation, consider working with a financial advisor. Read more
Estate planning can be difficult. In addition to the fact that it may bring up some uncomfortable feelings – like grappling with one’s mortality – there is also the fact that it can be a complex… Read more
As the old saying goes, nothing in life is guaranteed except death and taxes. And because estate taxes combine those two inevitabilities, it’s important to understand estate taxes in order to be… Read more
There are myriad investment options available to Americans looking to save for their future — stocks, bonds, mutual funds and exchange-traded funds (ETFs) are some of the most common choices. One… Read more
When planning for retirement, there are myriad options for how to invest. The most common option is to use a retirement account — either a workplace plan like a 401(k) or one you get through a… Read more
For many reasons, including rising costs of living and longevity, Americans are delaying their retirement. While workers in the past would try to hang it up at around 62, workers now are frequently… Read more
Bonds are one of the two most basic investment options, along with stocks. While stocks are fairly well understood — you buy a piece of a company and make money when the company does well and becomes… Read more
Annuities are a popular option for people planning for retirement, but there are many different types of annuities that you can choose from. One popular option is an indexed annuity, a hybrid type of… Read more
Saving for retirement is an important part of financial planning for nearly all Americans. There is currently a gap of $28 trillion between what Americans have saved for retirement and what they… Read more
Finding a financial advisor isn’t like buying a carton of milk — you don’t want to just show up and pick the first one off the shelf. That said, it also isn’t like buying a car, where you can test… Read more
Serving in the military is a hard job, with many service members spending long lengths of time away from their family and putting their lives on the line. There are perks that come with service,… Read more
The end of the year means different things for different people as they come up with resolutions and set their intentions to improve various aspects of their lives. But there’s one thing that… Read more
The COVID-19 pandemic changed the world in more ways that most people can count, from the way kids go to school to how restaurants operate. One change that may not have been easy to predict — the… Read more
A lot of scary things happened during the COVID-19 pandemic, but one that looms large for a lot of people is the huge share of deaths that took place in nursing homes. A new brief from the Center for… Read more
Planning for retirement is one of the most important financial tasks most Americans have to consider. Almost no one wants to work forever, but those who fail to plan adequately for their retirement… Read more
You know that old expression about money burning a hole in your pocket? At the current rate of inflation in 2022, it’s the money itself that’s on fire: your dollar today is worth some 8% less than it… Read more
When someone makes an investment, they’re obviously hoping that it ends up making them money. Otherwise, there would be no point to the investment. If you do increase your net worth through… Read more
There are a number of stories which have dominated economic news in 2022 such as inflation, the emergence of a bear market and a possible recession. Arguably the most impactful news, though, has been… Read more
Long-term care insurance can be an important part of planning for the twilight of your life. Despite everyone hoping they’ll be healthy and active until the end of their days, most of us end up… Read more
Many people want to retire early. Unfortunately, that’s easier said than done. Not only do you have to earn enough money to put aside for an early retirement, but you have to make sure you know… Read more
Financial planning is difficult in the best of times — and 2022 is definitely not the best of times. A number of factors — namely rising interest rates, high inflation and a volatile market — have… Read more
Healthcare is one of the biggest expenses for many Americans, especially those who are retired. While retirees who’ve reached age 65 are able to use Medicare, people waiting for that age are reliant… Read more
While gold has long been considered a safe haven in times of market volatility, investors are actually pulling out of the metal of Midas at this moment for a somewhat different choice — cold, hard… Read more
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