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Rae Hartley Beck

Posts by Rae Hartley Beck

SmartAsset: can you get life insurance if you have cancer?
Life Insurance

Can You Get Life Insurance If You Have Cancer?

Receiving a cancer diagnosis can be terrifying. It can also be a wake-up call when it comes to determining if your family is provided for. If you’ve never obtained health insurance before, you may wonder if you can get life insurance… Read more…

What Is a SARSEP Retirement Plan?

What Is a SARSEP Retirement Plan?

A Salary Reduction Simplified Employee Pension Plan (SARSEP) is a specialized retirement plan that used to be available to employees of small businesses. While these plans could not be established after 1996, those established prior to 1997 still exist. SARSEPs… Read more…

how long will $1500000 last in retirement

How Long Will $1,500,000 Last in Retirement?

If you find yourself with $1.5 million in retirement savings, you’re doing more than five times better than the average retiree, who only has $279,997. It is true that $1.5 million can last indefinitely in retirement if you don’t spend… Read more…

special needs trust vs able account
Financial Advisor

Special Needs Trusts Vs. ABLE Accounts

Ensuring the long-term financial stability of a loved one with special needs can be an exceptionally confusing process. Public programs like Medicaid and Supplemental Security Income (SSI) will provide for them and pay for their services for the rest of… Read more…

retiring at 62 to 67 while waiting for disability

Retiring at 62 to 67 While Waiting for Disability: A Guide

Social Security Disability pays you the amount you’d receive at your full retirement age. If you’re between age 62 and 67, you may find yourself running low on cash while waiting for a favorable disability decision. Taking Social Security retirement… Read more…

capital gain yield

What Is Capital Gains Yield

Investing is frequently filled with complicated jargon that can make it difficult to understand how your investments are actually performing. The Capital Gains Yield is one of these terms. While most brokerages calculate this number for you on all of… Read more…

what happens to deferred compensation if i quit
Personal Finance

What Happens to Deferred Compensation If I Quit?

Deferred compensation is a way for employees to reduce their tax burden while ensuring their economic security in their golden years. Deferred compensation plans with a long vesting period are commonly referred to as golden handcuffs because they effectively trap you… Read more…

how to become a millionaire
Financial Advisor

How to Become a Millionaire

One of the longstanding American dreams is to become a millionaire, even if that doesn’t mean what it used to, but how do you go about it? The median lifetime earnings for all workers is $1.7 million, according to research… Read more…

SmartAsset: How Long Will $400k Last in Retirement

How Long Will $400k Last in Retirement?

Data from the Federal Reserve shows that the average savings in the United States at retirement age is just $255,200. So if you find yourself with $400,000 in assets at retirement age, congratulations! You’re doing much better than average. But how… Read more…

SmartAsset: When Is an Estate Tax Return Required?

When Is an Estate Tax Return Required?

After losing a loved one, responsibilities can quickly pile up during a time when you’d like to focus on grieving. Unfortunately, taxes don’t disappear when someone passes. If you’re the executor of your loved one’s estate, you’ll be responsible for… Read more…