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Overloading on debt is expensive. In addition, credit can be an important lifeline in the event of a crisis, and if you have used all your credit, you have removed a valuable cushion of security. Debt is a major hindrance to achieving financial security for many Americans. Here...

Selecting the people to carry out the provisions of an estate plan is one of the most important and difficult tasks involved in the estate planning process. It is impossible to make a proper selection of any member of the estate planning team without understanding, in general terms,...

When evaluating most investments, either initially or periodically, smart investors use financial statements, conduct credible analysis and seek genuine expertise. Cash-value life insurance (e.g., whole life, universal life, etc.) can be a terrific product, providing both financial...

Editor’s Note: Portions of this article were excerpted with permission of the publisher, John Wiley & Sons (www.wiley.com), from “Getting Started in Finding a Financial Advisor,” by Chuck Jaffe. Copyright 2010 by Chuck Jaffe. You would think figuring out who to turn...

Many do-it-yourself investors may wonder if this article is relevant to their situation. But think about your life during retirement and your interest may change. As we age, it’s common for even do-it-yourself investors to seek the services of a financial adviser, especially in...

Carl Richards is a certified financial planner, director of investor education for the BAM Alliance, and creator of the weekly Sketch Guy column at The New York Times. He spoke to AAII about the benefits of having an easy-to-follow financial plan. Could you explain what a financial...

Do you have a significant college reunion that’s inspiring you to make a large gift? Perhaps there is a capital campaign for your favorite cause. These are the kinds of giving opportunities that should have you considering a charitable trust. For example, a charitable remainder...

This article originally appeared in the July 2015 issue of the AAII Journal. Because we are all living longer, today’s investor is definitely concerned with end of life issues and making sure that enough coverage is in place as Father Time starts to take over. As we all know,...

This article originally appeared in the November 2014 issue of the AAII Journal. Estate planning truly is the ultimate gift for your loved ones. A comprehensive estate plan should always include a review of the titles and beneficiary designations for all assets. You want to ensure...

This article originally appeared in the October 2014 issue of the AAII Journal. The Paycheck Strategy for Lifetime Investing is outside of the current investment paradigm of professional investment advisers, but we believe it can be the basis for a strategy to ensure a flow of...