David Lerner Associates: A Different Way to Look at Life Insurance
Life insurance is very different from other types of insurance. The differences are important to take into consideration as you assess your overall insurance coverage needs.
David Lerner Associates: The Importance of Building an Emergency Savings Fund
Many personal financial planning experts suggest that individuals make building an emergency savings fund one of their top financial priorities, More than a quarter of Americans do not have any emergency savings at all.
David Lerner Associates: Financially Speaking, Women and Men are Different
Women have never been in a better position to achieve financial security for themselves and their families.Women need to take advantage of this position and educate themselves about finances.
David Lerner Associates: Making Sense of Bond Yields and the Yield Curve
When it comes to investing in bonds, among the first factors to consider is yield, but what exactly is "yield?" The answer depends on how the term is being used.
David Lerner Associates: Speaking to your aging parents about their finances
Speaking to your parents about money is usually complicated, particularly when the money you're talking about is theirs. Here are some tips to help you through this process.
David Lerner Associates: Taking Care of Your Aging Parents (Part 1)
Your parents need you, and you need help. This is the first of our 3 part series on caring for your parents as they get older.
David Lerner Associates: Taking Care of Your Aging Parents (Part 3)
The last article in our 3 part series, focuses on the financial aspects of caring for aging parents.
Small Business Week: Life Insurance Needs
Your life insurance needs will depend upon a variety of factors, including whether you own a small business, the size of your family, the nature of your financial obligations, your career stage and your goals.
David Lerner Associates: How to Organize Your Finances After Your Spouse Passes Away
Losing a spouse is a stressful transition. And the added stress of having to settle the estate and organize finances can be overwhelming. Fortunately, there are steps you can take to make handling these kinds of issues less difficult.
David Lerner Associates: Important Documents You Need for Estate Planning
There are five estate planning documents you may need, despite your age, health, or wealth. Read more about those documents and important estate planning tips.
David Lerner Associates: A Retirement Income Roadmap For Women
It is essential to become involved in retirement planning even if you're married. Many women end up single at some time in their lives due to divorce or death of a spouse.
David Lerner Associates: Rollovers
Use this rollover guide to help you decide where you can move your retirement dollars.
David Lerner Associates: Financially Speaking, Women and Men are Different
Women today have never been in a better position to achieve financial security for themselves and their families. What financial course will you chart?
David Lerner Associates: National Family Caregivers Month
As National Family Caregivers month draws to a close this week, David Lerner Associates takes a look at the ways to prepare, in case you have to be a family caregiver in the future.
David Lerner Associates: Family Care Support and Services
Caring for your aging parents will be easier if you know what kinds of support and community services are available and where to locate them.
David Lerner Associates: Comprehending Investment Terms and Concepts
When you decide to start investing it's always wise to understand what you're investing in. The better you comprehend the information you receive, the more comfortable you will be with the course you've chosen.
David Lerner Associates: Managing Money and Marriage
Planning carefully and communicating clearly with your spouse are important, because the financial decisions that you make now can have a lasting impact on your future.
David Lerner Associates: Mutual Fund Fundamentals
We often hear that an investment portfolio should include a mutual fund. But what exactly is a mutual fund?
David Lerner Associates: Retirement Planning Numbers for 2015
Every year the IRS adjusts retirement plans and IRA limits for inflation. Many of the limits eligible for a cost-of-living adjustment (COLA) have gone up for 2015. Some of the key numbers for 2015 are shown here.
David Lerner Associates: Mutual Fund Basics
There are many mutual funds to choose from. The two most common types are stock mutual funds and bond mutual funds. Find out more in this article on Mutual Fund Basics.
David Lerner Associates: The Pros and Cons of Robo-Advisors
A robo-advisor, or automated investment service, is an online wealth management service that provides automated, algorithm-based portfolio management advice without the use of human investment advisors. Sounds impressive, but what are the benefits versus the drawbacks?
David Lerner Associates: 5 Ways to Improve Your Personal Bottom Line in 2016
Many Americans are taking stock of 2015 as the end of the year approaches. According to a new study by Capital One, only 34 percent of Americans feel they accomplished some of their financial goals this year. So while we may be relieved to see the back of 2015, here are some tips that can help you improve on meeting your financial goals next year.
David Lerner Associates: Five Financial Threats That Could Derail Your Future
We all make plans for our future and try to cover all the bases. As much as we'd like to believe that everything will go according to plan, we know that there are likely to be bumps and setbacks along the way. These five events are probably the most serious threats to a successful financial future.
David Lerner Associates: 5 Ways to Simplify Your Finances in 2016
Better health and fitness and an improved financial situation are on most Americans' minds at this time of the year. Simplifying your finances not only improves your situation, but it can also save time and relieve stress. It makes your goals easier to accomplish.
David Lerner Associates: Saving or Paying Off Credit Card Debt
At this time of year you will see many experts offering advice on how to set goals for 2016. Most of them lay out a plan to tackle all the aspects of your financial well-being. In the best of all possible worlds, this would be ideal. However, for many Americans it's more realistic to take on one goal at a time.
David Lerner Associates: Financial Wellness Basics
Ask one hundred people, and you're sure to find that the great majority of them would agree. We all want more stable finances. We all want what is now being referred to as "Financial Wellness." We aren't talking about the difference between wealth and poverty here. We aren't talking about hand-to-mouth versus upper affluent income brackets. We're talking about a quality of life and a healthy financial life.
David Lerner Associates: Women and Money - The Financial Gender Gap
The World Economic Forum's Global Gender Gap report show that women are worse off this year - the pay gap in the U.S. is now at 64 percent, down from 66 percent a year ago. That means that American women earn two-thirds of what a man does for the same work.
David Lerner Associates: How to Track Your Net Worth
Making financial progress involves keeping track of your net worth, even if knowing that number is of a reality check. When you know your net worth, you can set a realistic financial goal. In the digital age, tracking your net worth is less complicated than it once was.
David Lerner Associates: Five Common Financial Mistakes
Your current financial situation is a combination of every decision relating to money you've made in the past. If you're like most people, you have had very little or no coaching, so you're just learning as you go.
David Lerner Associates: Deadly Investment Mistakes
Making investment mistakes can be very costly for obvious reasons, and so they should be avoided if possible. Workers and retirees have been shouldered with an increased burden of taking personal responsibility for their own retirement and savings. Here are some "deadly investment sins" that should be avoided.
David Lerner Associates: Women and Money. The Financial Gender Gap
International Women's Day is today. The World Economic Forum's Global Gender Gap report shows that women are worse off this year - the pay gap in the US is now 64 percent, down from 66 percent a year ago. That means that American women earn two thirds of what a man does for the same work.
Mother knows best
Motherly love goes a long way, and motherly advice apparently is more important than one might think. With Mother's Day recently being celebrated, as Americans armed themselves with bouquets of flowers, yummy chocolates and tear-jerking greeting cards, one thing that may not have been on the top of their list of things to consider was mom's money advice.
5 Personal Finance Tips for Women
While most financial tips apply to everyone, there are some that are more relevant to women. 90% of women will have to manage their finances on their own at some point in their life and unfortunately too many women lack confidence and hesitate to take control of their finances.
Retirement Planning and Financial Professionals
When planning for retirement, making sure the information you have is accurate is very important. How do you know that the person you're trusting with your future has the right information?
Reaching Goals of Financial Success
Saving for retirement, taking care of one's family, eating healthier, exercising more - these are goals that a lot of people have. Sometimes it's difficult to achieve those goals when temptations lead us astray. We want to save for retirement, but then we conveniently forget our budget constraints when making a purchase.
Lessons Boomers Could Learn From Millennials
There is a tendency of older, wiser folk to dismiss the views of a younger generation. However, Millennials may be able to teach Boomers some valuable lessons about how to manage money.
End of Year Financial Advice
2016 has been a wild year, arguably one of the more interesting years we've seen in recent history. And as the year winds to a close, there are some things to take note of and tie a bow on your financial concerns.
Financial Security for Young Adults
Millennials have an advantage in that they have a comparative wealth of time to plan for retirement and allow smart financial investments to mature