david lerner associates

david lerner associates

Women Entrepreneurs Leading the Way
Gone are the days when the typical American woman was a stay-at-home mom. Today they're making waves - and money - in the business world

Protecting Your Parent's Assets Along with Your Own
The goal of many parents is to protect their estates, have some form of livable income, and at the same time leave their children provided for. Adult children can assist their parents in meeting these goals.

How to Create a Family Endowment
A family endowment is something that may benefit everyone in a family - including you. The goals of an endowment are simple. Accumulate enough assets to allow you to live comfortably off the income during retirement and to maintain and preserve the principle for your loved ones and future generations.

Guarding Against Disability and Long-Term Illness
When most investors come into middle-age, they look toward retirement. If prudent investments are made, retirement may be made smoothly, with assets built that can help support them and possibly leave an inheritance for their children and other heirs as well.

Planning for Fun
Sometimes when planning for your financial future, you can lose sight of a truth that is always with us: we are living our lives in the present

What Will You Do When You Retire?
If you have not yet retired, you have probably thought about it from time to time: what will you do when you retire? Like the future itself, the options are many and varied.

Budgeting Basics: Establishing a Household Budget
This is the second in a series of articles discussing financial literacy and what this means for Americans in the 21st century

Providing True Help to Disabled Loved Ones
According to a recent report from the AARP people who provide assistance to a loved one with a long-term illness or disability don't see themselves as "caregivers", but instead through their relationship with the disabled.

Why Traditional IRAs Are So Popular
Millions of Americans have taken control of their retirement future by investing in Individual Retirement Accounts since IRAs were first introduced in 1975. IRAs have become one of the most popular retirement savings vehicle in America.

Roth IRAs - Making A Good Thing Better
In 1997, Congress made a good thing better when it created a new type of retirement savings account, the Roth IRA. Named after Senator William Roth, who introduced the legislation that created them.

SEP-IRAs - A Retirement Plan Option for Small Businesses
A SEP-IRA is a low-cost, easy-to-administer retirement plan that's often ideal for owners of small businesses and self-employed individuals. Sole proprietorships, S and C corporations, partnerships and LLCs all may qualify to establish a SEP-IRA.

Liquidity and Volatility - Two Different Sides to the Investment Coin
Most investments can be separated into two broad categories with regard to how easy it is for an investor to gain access to his or her money: liquid and illiquid.

Profit Sharing Plans: One Way to Share the Business Pie
One of the best ways for businesses to attract and retain the highest caliber employees is to offer them a piece of the business "pie." And one way to accomplish this is to create a profit-sharing plan.

Money Purchase Plans: Another Way to Share Company Profits
Profit sharing is a great way for businesses to attract and retain the best and brightest employees. Many top-tier employees today expect to be rewarded by sharing some of the business' profits. this lets employees benefit financially in the company's success, as well as increases their sense of ownership in the business.

Have You Planned Ahead for Your Retirement Lifestyle?
Living the lifestyle you dream of in retirement requires not only years of disciplined saving and wise financial planning and investing, but also the realization that choices and tradeoffs are inevitable

Working in Retirement: An Option for You'
For some people the idea of a full-time retirement might not be very appealing. Maybe you really enjoy what you do for a living, and you're healthy and see no reason to stop working just because you've reached the so-called "retirement age."

A Unique Opportunity for Fixed-Income Investors
For the first time in our nation's history it is now possible to buy a municipal bond with a higher credit rating and a higher yield than a Treasury bond.

Investing Basics: What You Should Know
This is the fourth in the series of articles discussing financial literacy and what this means for Americans in the 21st century. Once you have earned money there are four main things that you can do with it: Spend it, save it, invest it or give it away.

What Should You Do With Your Income Tax Refund?
Some people have big plans for their refund, whether it's spending it on a summer vacation, a new car or boat, or a a big-screen TV. To the degree that items like this are bought with a tax refund instead of on credit, they may be wise purchases.

What Should You Do With Your Old 401(k)?
After leaving a job employees sometimes discover that they left something behind -,perhaps a coat or maybe a desk knick-knack. Sometimes, however, employees leave something much more important behind at their previous jobs: their 401(k) accounts.

College Saving and Investing Strategies
Despite the cost, obtaining a college degree may still be a worthwhile goal. According to the U.S. Census Bureau, college graduates earn more money than individuals who just have a high-school diploma.

Why Zero Coupon Bonds Can Add Up To Much More Than Zero
Zero coupon bonds (sometimes called zeroes for short) have been around for 30 years. Due to their unique structure and characteristics, zeroes remain an attractive investment option for many individuals.

Facebook and Other IPOs: Don't Buy the Hype
The initial public offering (IPO) of Facebook dominated the investment news. Unfortunately for many investors, the much-anticipated (and much hyped) IPO fell somewhat flat.

Retirement and the American Dream
In essence, the American Dream is that anyone who has a goal and works hard can make it. David Lerner Associates believes that one part of that dream is that after you have worked hard for 25 or 30 years you should be able to enjoy the fruits of your labor and retire in comfort.

Planning a Summer Vacation with Your Kids and Grandkids
Summer vacations provide a special opportunity for grandparents to spend quality time with their grandchildren. Here are five summer vacation planning tips to help you create family memories that will last a lifetime

Helping Your Children and Grandchildren Financially
One less-publicized effect of the Great Recession has been the increasing numbers of parents and grandparents who are helping their kids and grandchildren financially.

Retirement Planning Strategies For Your 20s
This is the second in a series of articles detailing retirement planning strategies for individuals at each stage of their life.

Retirement Planning Strategies For Your 30s
This is the third in a series of articles detailing retirement planning strategies for individuals at each stage of their life.

Enjoy Your Labor Day!
Next Monday, Americans will celebrate Labor Day for the 130th time since the holiday was first recognized in 1882. The holiday marks the unofficial end of summer, and it's celebrated by many people with parades, picnics, cookouts and trips to the beach or the lake.

Are Low Yields the New Normal?
The phrase "the new normal" has been thrown around a lot lately to describe many different things. It was originally coined by author Roger McNamee in his 2004 book of this title, which describes how the 21st century represents a new era of heightened uncertainty, but also opportunity.

Save More Money By Wasting Less
As the jobless rate remains historically high and the economic recovery uncertain, many Americans are watching their personal finances more closely than ever and looking for every opportunity they can find to save money and reduce their expenses.

How is the Market Doing? Check the Dow.
When the conversation turns to how the market is doing, chances are people are referring to the Dow Jones Industrial Average, or "the Dow" for short. The Dow tracks the performance of stock issued by 30 prominent, publicly traded U.S.-based companies and is one of the most widely reported stock market indexes in the country.

Does It Cost More Money to Be a Woman?
According to a study conducted earlier this year by the FINRA Education Institute women face a number of financial challenges that appear to be unique to their gender. On average, women pay a half-point higher interest rate on credit cards than men do.

A Plan for Eliminating Credit Card Debt
When it comes to debt it can be debated whether there is such a thing as good debt and/or bad debt.

Handling Debts after a Spouse's Death: Who's Responsible?
The death of a spouse is heartbreaking. Yet the surviving spouse faces more than just overwhelming emotions-- he or she may also face the challenge of handling a loved one's outstanding debts.

The Brewing Storm in Long-Term Care Insurance
Don't look now, but there may be a storm brewing when it comes to long-term care insurance. Facing substantial budget shortfalls, some states are cutting back on Medicaid and long-term care services.

What Should You Do With a Financial Windfall?
Individuals who (often unexpectedly) receive large sums of money all at once need to make some important decisions, sometimes very quickly. The tax implications of a windfall can be complicated, which may make receiving counsel from a tax professional crucial.

What Is Whole Life Insurance -- And Do You Need It?
Many families purchase life insurance in order to help provide financial protection for surviving family members in the event of the death of a family income-earner. Life insurance may be helpful regardless of whether the insured was the primary or secondary income-earner.

Why Was Kraft Foods Removed from the Dow?
Changes to the mix of companies listed on the 30-stock Dow Jones Industrial Average (DJIA) are relatively rare. When Kraft Foods lost its place on the venerable market index recently to UnitedHealth Group Inc., it was the first change to the Dow’s composition mix since 2009.

Fixed vs Variable Annuities: Look Before You Leap
The potential for tax-deferred growth and a guaranteed stream of income can make annuities an attractive financial option for retirement. Investors fund an annuity with already-taxed dollars and that money then grows tax deferred until it is withdrawn.

How Your Taxes Might Increase Next Year
Unless Congress takes further action before the end of this year many Americans will be facing a tax increase beginning in 2013. Some pundits have referred to this pending tax increase as "the 2013 fiscal cliff."

Social Security COLA Announced For Next Year
Remember the advertising campaign for 7-UP that referred to the soft drink as the "un-cola?" Some retirees may be saying the same thing about the Social Security cost-of-living adjustment for 2013 that was recently announced.

David Lerner Associates: Should Muni Bonds Be Held in Retirement Accounts?
When considering what kinds of investments should be held in their retirement portfolios, many people usually don't think about municipal bonds.

Growth Investing vs Value Investing
When you invest for growth you are usually seeking capital appreciation over the long term A value investor looks for bargains and chooses investments that have low prices in relation to such factors as earnings, sales, net current assets.

Comprehending Investment Terms and Concepts
There are some fundamental principles you should understand when evaluating an investment opportunity or making an investment decision. The most important principle is simply good common sense.

American Women in Business
Nine million companies in the U.S. are women-owned. They employ almost 8 million people and produce $4 trillion in sales. That's a big chunk of the U.S. economy in the hands of capable women.

Smart Financial Advice for Female Entrepreneurs
Although there have been some real advances for women in the workplace over the past decade, there are still challenges. One way to circumvent these challenges is to start your own business.

US Not in Top 10 for Basic Financial Literacy Test
When it comes to managing our personal finances, it appears that Americans could use a little help. In a recent global quiz, Americans did not even make the top 10!

The Key to Understanding Your Finances
Fortunately, understanding your finances is not as daunting as it might sound. It comes down to understanding some key elements, definitions, and numbers that make up the sum total of your financial life. Here are the things you'll need to know in order to get a good picture of your fiscal health and help you understand your finances.

Understanding Your Finances
Understanding your finances comes down to understanding just a few key elements, definitions, and numbers that make up the sum total of your financial life.

All about Mutual Funds
If you don't know about mutual funds, you might be inclined to run for the hills when you hear the term. But understanding mutual funds is essential if you have any interest in investing your money.

Financial Literacy and Millennials
While Millennials are a generation that is exceptional in many ways - better educated than their predecessors, more ethnically diverse, and more economically active - according to studies they struggle with personal finance.

^ Top