Financial Cafe Blog


Ready or Not – You May Have To Retire Early

Are you one of those people who dreams of retiring early? Or would you rather push off retirement as long as you can? Unfortunately, the decision to retire early isn’t always in your hands. If you lose your job or become ill, your retirement date can come sooner than you had hoped for. Whether you […]

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Take Advantage of Tax-advantaged Accounts

Investing for retirement will help you prepare for your future. But where should you invest your money? If you choose to invest in one or more tax-advantaged accounts, you can prepare for retirement and receive tax benefits. Here’s how the tax benefits of 401(k) plans traditional individual retirement accounts (IRAs) and Roth IRAs can help […]

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Commit to Your FUTURE

Will you have enough money for retirement? According to a recent survey, 57% of people reported that the total value of their retirement funds and investments was less than $25,000. This included 28% who had less than $1,000 accumulated for retirement. Setting aside money for retirement can be difficult when you have so many other […]

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A Gift for Your Future

Even if retirement is years away, what better gift could you give yourself this holiday season than income-tax savings and a potentially more secure future? All it takes is a bit of year-end planning. Max out Contributions Investigate the saver’s credit Now versus later See this month’s issue of Let’s Talk Money, these tips may give […]

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Avoid the Default Investment Trap

Have you heard of 401(k) Day? It’s a time for promoting the popular 410(k) retirement plan and the importance of setting aside for the future while you are working. Default investments Consider all you options Permission to change your mind See this month’s issue of Let’s Talk Money, these tips may give you a better retirement […]

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Get Your Retirement Account in Shape

Get Your Retirement Account in Shape

May is National Physical Fitness and Sports Month. The President’s Council on Fitness, Sports and Nutrition encourages you to improve your physical fitness by becoming more active. And while you’re pursuing a healthier you, why not get your retirement account into shape as well? Not using the right equipment Overdoing it Not consulting a trainer […]

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Four things you may not know about IRAs

The more you know about individual retirement accounts (IRAs), the more effectively you can use an IRA as a retirement investing tool. See how many of these IRA facts you know. Almost anyone can contribute to an IRA There’s still time to contribute for 2014 You can contribute for your spouse Your IRA rollovers may […]

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Retirement Missteps Can Cost You

The path to retirement isn’t always smooth. You’re bound to encounter some bumps along the way. Avoiding the following common missteps will help keep you on the right track toward pursuing your retirement goals. Starting off too slowly Bypassing tax breaks Staying on a “safe” path See this month’s issue of Let’s Talk Money, these tips […]

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Energize your Retirement Investing

A 401(k) plan, when appropriate for you personal financial situation, can be a powerful vehicle for getting you to where you’d like to be a retirement time- if you take advantage of all it has to offer. • For the Times of Your Life Let’s face it: People generally don’t like thinking of talking about […]

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Live your Dream of Retiring

More that half of near-retiress say they’re concerned about having enough money to last through retirement. Forty-five percent say they’ll need to work at some point during retirement.* But this doesn’t have to be your retirement story. Following these tips may give you a better retirement outlook. • VALUABLE TIPS to Living your Dream of […]

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