Source: Employee Benefit Research Institute, 2015

Will you outlive your retirement income? Are your financial expectations for the coming year realistic?
Our financial newsletters are designed to provide helpful information on a wide variety of financial topics. Simply click on one of the newsletter topics below to read the article in its entirety.


  • HOT TOPIC: Trans-Pacific Partnership

    Potential pros and cons of the Trans-Pacific Partnership trade agreement and how it might affect the U.S. economy.

  • Dividends as a Growth Strategy

    A study by S&P found that dividend income represented 34% of the monthly total return of the S&P 500 index from 1927 through 2012.

  • Controlling Health Insurance Costs

    An HDHP paired with a health savings account may offer tax advantages and could help save money on medical costs.

  • Understanding RMDs

    The rules for taking required minimum distributions are explained. Plus: an illustration of how RMDs work.

  • Going Solo

    Strategies to help freelancers in covering health-care costs, meeting tax requirements, and saving for retirement.

  • Using Life Insurance to Retain MVPs

    An executive bonus plan funded with cash-value life insurance could be used to attract, reward, and retain valuable employees.






  • Working for Yourself — and Your Future

    Self-employment can be rewarding personally and financially, but it comes with some tough challenges: long hours, an uncertain income, and a lack of structured benefits such as health insurance and retirement plans.

  • Men, Women, and Investment Partnership

    Many studies have shown that men and women tend to have different approaches to investing.

  • Investors Are Human,Too

    In 1981, the Nobel Prize–winning economist Robert Shiller published a groundbreaking study that contradicted a prevailing theory that markets are always efficient.

  • Life Policies Plus Long-Term-Care Benefits

    It may be hard to fathom, but the median annual cost of a private room in a nursing home has surpassed $90,000, and the median cost of a home health aide is already more than $45,000 a year.

  • Using Data to Drive Critical Decisions

    Many large corporations use high-cost computer power and technological expertise to capture and analyze data as they look for ways to improve business efficiency and customer interaction.

  • HOT TOPIC: Is 70 the New 65? Why Americans Are Working Longer

    Age 65 has long been considered the traditional retirement age, and not coincidentally is also the age of Medicare eligibility.



  • Does Your Risk Tolerance Follow the Market?

    According to an investment industry survey, in mid-2008 — when the financial crisis was still developing — 23% of U.S. households were willing to accept substantial or above-average investment risk in order to achieve substantial or above-average returns.

  • Protecting Your Assets Under an Umbrella

    Getting caught in the rain without an umbrella can be an unpleasant experience.

  • Community Property Laws: Yours, Mine, and Ours

    The question of asset ownership can be contentious in the event of a divorce, but even in the happiest marriage it may be helpful to understand the laws regarding ownership of property obtained before and during the marriage.

  • Rates on the Rise

    A long period of low yields has been challenging for many fixed-income investors, but owning bond investments in a rising interest-rate environment could become even trickier.

  • Don’t Let the Weather Put Your Company Underwater

    Many climatologists expected an unusual warming of the Pacific Ocean to have a dramatic effect on weather patterns in early 2016

  • HOT TOPIC: Full Employment: Are We There Yet?

    In the fall of 2015, as the unemployment rate neared 5%, economists began to ask whether the U.S. economy was approaching “full employment,” a possibility that was hard to imagine when unemployment peaked at 10% in October 2009.


  • Predicting Economic Performance

    Now that 2016 is well under way, you have probably come across a number of economic predictions for the year.

  • A Gift That Gives Back

    If you are interested in donating assets to a favorite charity or other nonprofit organization but would like to receive income from the assets during your retirement years, you might consider funding a gift annuity.

  • The Spousal IRA Opportunity

    Tax-friendly IRAs were devised as an incentive for workers to set aside money for retirement, so the maximum an individual can contribute annually is limited to the amount of his or her earned income.

  • The Rise of Socially Conscious Investing Strategies

    The acronym SRI has come to represent various investment strategies that favor companies with business practices generally viewed as socially responsible, ethical, and/or sustainable.

  • The Tax Treatment of Travel Expenses

    If you schedule a business trip to a beautiful location that has some fun things to do and see, it often makes sense to pencil in some vacation days.

  • HOT TOPIC: Is Cheap Oil Causing Trouble for the U.S. Economy?

    Oil prices began a downward slide in June 2014. Brent crude, the benchmark for global oil prices, plunged roughly 70% — from highs above $100 per barrel to less than $33 in mid-February 2016.


  • The Appeal of ETFs

    Exchange-traded funds (ETFs) represented 28% of the total trading value on world stock exchanges at the end of June 2015.

  • A Guide on the Road to Retirement

    The title of the Beatles’ song “The Long and Winding Road” could apply to the journey toward a comfortable retirement.

  • Writing a Letter of Instruction

    A will is an essential legal document that describes how your estate should be distributed upon your death.

  • Assessing Portfolio Performance

    You can’t help but hear about the frequent ups and downs of the Dow Jones Industrial Average or the S&P 500 index.

  • The Status of Women-Owned Businesses

    According to the U.S. Census Bureau’s Survey of Business Owners, the total number of U.S. businesses grew just 2% between 2007 and 2012, while the number of women-owned businesses grew about 27% to 9.9 million.

  • HOT TOPIC: PATH Act Makes Many Tax Breaks Permanent

    Some of the ways business owners are using data to help improve business efficiency and customer interaction



  • HOT TOPIC: Shoppers Still Waiting for Security Fix

    Current trends in debit- and credit-card fraud and how shoppers can help protect their personal information and financial accounts.

  • Adding Real Estate to Your Portfolio

    An overview of the potential benefits and risks of REITs, and how real estate investments might help provide portfolio balance.

  • Who Controls the Cash?

    Results of a recent survey on couples and money management, plus suggestions for forging a stronger financial partnership.

  • Guarding Against Fraud

    Three basic principles that could help consumers spot a fraudulent scheme.

  • Watching for Inflation

    Fed officials eventually need to decide when to tighten monetary policy and raise the benchmark interest rate.

  • Health-Care Update

    Information about the Affordable Care Act’s employer mandate for small businesses, including tax credits and SHOP.