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One of the biggest fears retirees, or those nearing retirement, face is that they will outlive their retirement assets. A recent article from Financial Advisor cites research that does little to alleviate those fears. New research shows that Americans retiring in 2015 need to be...

In a CNBC commentary, Evan Kirkpatrick, founder and chief executive of Wendell Charles Financial, discusses what millennials need to know about retirement planning. As of the first quarter of 2015, according to the Pew Research Center, millennials are now the largest generation...

With the exception of only the top income quintile, Social Security is the largest source of retirement income for all Americans. While many retirees also heavily rely on their investments to provide income, they face a challenge in balancing their personal savings against Social...

I have been skeptical of variable universal life insurance policies (VULs) since they became popular enough to show up on my radar screen in the late 1980s. In the beginning my skepticism was just instinct. Then experience proved that it wasn’t misplaced. Though I have been...

Socially responsible investments have attracted much money, many investors, and many studies. We have studies of socially responsible mutual funds, socially responsible indexes, “sin” stocks, stocks with good and bad environmental records, and stocks with good and bad employee...

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...

While individuals invest more money in Treasury bills, bank accounts, bonds and real estate than in equities, there has always been a mystique and allure about the stock market. To many investors, it offers an irresistible challenge. While the historical returns are high, the...

Retirement planning requires a clear-eyed analysis of future needs and income. Yet many individuals view retirement through rose-colored glasses. Here are some of the most common myths and how you can bring reality into focus. Myth #1: You will not need as much money during retirement...

Having suffered severe losses in their retirement nest eggs last year, many retirees living off of their savings are reviewing their investment and spending plans, searching for new plans of action to ensure their savings can sustain them throughout their lifetime. There is no...

Today’s college graduates are usually enthusiastic and well-trained in their discipline. But they are often clueless about financial matters. Unfortunately, the fallback position is typically to do nothing. But these early-year “non-decisions” can have a detrimental effect...