planning

planning

Evaluating Midlife Financial Health
Middle age has arrived. It seems like only yesterday you were right out of college, struggling to pay off student loan, and starting life and a career. Now you're carrying a mortgage, worrying about college tuition and consistently evaluating your investments.

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 You Should Know About Retirement Plans
Retirement planning for Americans has changed drastically over the past few decades.Tthe bulk of responsibility for retirement saving has shifted to employees themselves

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.

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."

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.

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.

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.

Make Some Mid-Year Financial Resolutions
Lots of us make New Year’s Resolutions, but they are a distant memory for many people by this point in the year. If this sounds familiar to you, now might be a good time to make some fresh financial resolutions

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.

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.

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.

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