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Education & Insights

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  • Grandmother and child potting flowers

    Trusts for Children

    What are the concerns that have led many parents to reconsider their children’s legacies? None are that unusual.

  • Fountain pen in the act of signing a sealed document.

    The Language of Wills

    Many professions and disciplines have their own vocabulary. As an example, think about the terminology used in medicine and law. Often this vocabulary defines complex ideas, yet just as often “terms of art” can be defined with relative ease to a layperson.

  • Smiling young couple with daughter get assistance from female representative.

    Minors and Estate Planning

    Reportedly, only one-third of parents with a minor child have a will in place. One obstacle seems to be the naming of a guardian for the child in the event that a parent dies while the child is a minor.

  • Perspective shot of a busy street lit up by the sunset.

    Everyone Needs a Will

    As important as estate planning is, that has long been a hard sell for most Americans. A 2017 survey by revealed that only 42% of U.S. adults had a will or a living trust in place. In part, it’s an age thing, as the table below shows.

  • Open notebook with the words College 529 Savings Plans

    The Case For 529 Plans

    In a recently published Morningstar report, researchers drew upon data from the Federal Reserve Bank’s “Survey of Consumer Finances” and the Sallie Mae/Ipsos survey “How America Saves for College” to create two savings simulations. They found that utilizing the 529 plan would increase the amount available for college by roughly 25%. Most of the increase was attributable to the superior investment earnings, not to the tax benefits, although state tax benefits and capital gains tax benefits did play a role.

  • A mother looks out a window, while her children in the back seat smile at the camera.

    Life Insurance

    Life insurance isn't something people like to talk about, especially young people. After all, thinking about dying and what happens to family or loved ones after you're gone isn't the easiest thing to do.

  • A pregnant mother caresses her bump, baby clothes around her in the bed.

    Preparing for a Baby

    Are you adding a child to your family? Congrats! Whether it be through birth or adoption, parenthood is very fulfilling for many people. As with any major life change, if you have a better grasp of the financial requirements and tasks, you can be better prepared for what's ahead.

  • Two jars with coinsinside sit next two each other, capped by pink and red hearts.

    Emergency Funds

    One of the most effective tools for preventing a large-scale financial disaster is an emergency fund, an amount of money that is set aside to cover unexpected expenses, or to keep you afloat if no regular income is coming in.

  • Financially Savvy Kids

    Raising Financial Savvy Kids

    “Mom, I want that!” “Dad, can I get this?” Work to help your children understand how to be financially savvy at a young age.

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