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Getting Married? 5 Financial Considerations to Discuss With Your Partner First

Between popping the question and saying “I do,” you and your partner have plenty to plan. And while it’s not as fun as cake tasting, you’ll want to sit down together and discuss the expectations you have about your future finances. According to a survey offered by Psychology Today, 27 percent of respondents found money to be the biggest stressor in their marriage.1 Having hard, truthful discussions about money beforehand can help lay the foundation for an honest and open financial relationship later down the line. As you prepare to tie the knot, take these five financial considerations into account first.

Investment Retirement Funding Insights
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Retirement Planning Considerations for Couples With an Age Gap

Decisions surrounding retirement are rarely simple. This further becomes the case when there is an age gap between couples, resulting in differences in retirement dates, life expectancy, health and more. For couples of varying ages, traditional retirement advice may not be applicable. Their retirement fund will not only need to provide for one but two individuals encountering different stages in their lives and their careers. If there is an age gap between yourself and your spouse, here are a few considerations to take into account.

Retirement Funding Insights
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Thinking About Income in Retirement? An Annuity Might Be the Way to Go

From setting aside a portion of your earnings each year to investing for a long-term horizon, saving for retirement is a fairly straightforward concept. Once you reach your retirement date and begin drawing income from your savings, however, things begin to feel more complex and, at times, uncertain. Annuities can provide longevity insurance by protecting against outliving your savings. Options include life annuities, providing an income stream throughout your retirement chapter, and joint annuities, providing both you and your spouse payments for the remainder of your lives.1 The first step is to determine whether an annuity is right for your lifestyle and circumstances.

Investment Retirement Funding Insights
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4 Yearlong Tax Tips for Retirees

Whether you’re just easing out of the workforce or you’ve been in retirement for a few years now, making the right financial moves is critical. If you’re working with an advisor or taking a look at your finances yourself, one central goal during retirement is protecting your wealth from unnecessary taxes. In many cases, there are ways to avoid owing more taxes - but usually, this requires proactive action beyond tax season. Below we’ll explain four tips you can utilize throughout the year to help minimize your tax obligations in retirement.

Investment Retirement Funding Insights
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Your Employer Suspended Its 401(k) Matching During COVID-19. Now What?

According to a recent survey by the Plan Sponsor Council of America, 16.1 percent of organizations have suspended matching employer contributions due to financial hardships caused by COVID-19. Worse yet, 1.3 percent of businesses have terminated their 401(k) plans altogether.1 Millions of Americans rely on their 401(k) and matching employer contributions to bolster their savings for retirement. If your employer has recently made an adjustment to its 401(k) offerings, you may be considering how this could impact your future retirement - and what next steps you should be taking.

Investment Retirement Funding Insights