The loss of critical personnel can be life threatening to small businesses; however, it's a risk that life insurance can often mitigate. In fact, life insurance policies are frequently incorporated in plans aimed at making it possible for a business to survive a change of ownership or the loss of a partner, the chief executive, [...]
A key goal of investing for retirement is making sure you save enough to make your money last throughout your lifetime. On this score, women may need to save more than men. The current life expectancy of a female at birth is roughly 81.3 years, compared with 76.5 years for a male.1 Although five years [...]
Let's say that at the age of 25, you earned $35,000. If your salary increased at the average historical rate, you'd have earned nearly $2 million in total by the time you were 65.1,2 That might sound like a lot -- until you begin thinking about all the financial goals you'll need to juggle in [...]
By 2020, it could be in place. Imagine your home or office completely wired. Everything is voice activated or Web activated. All your devices are artificially intelligent, and you can control them remotely. This is the Internet of Things, and it is on its way. The IoT may change your daily life. Picture yourself on [...]
Nature + creative comforts = a nice camping upgrade. Take camping, infuse it with a little glamour, and you have “glamping”. The tent is set up for you, complete with a nice bed, outlets and/or heat sources, along with hot showers nearby. Good food and drink are steps away, plus the unspoiled outdoors. Sometimes glamping [...]
Tips and techniques to deal with impatience and anxiety. How can you rein in stress on the job? Some simple steps can help you ease tension and leave you in a better frame of mind. Take a deep breath through your nose as you count to four. Then hold your breath for seven seconds. Then [...]
Look for these characteristics as you plan a voyage. Cruises abound, appealing to all manner of audiences. Many of them are good, but what are the special touches that make certain ones great? More amenities included in the base price. No cruise is totally all-inclusive, but higher-end lines will sometimes incorporate drinks, alternative restaurants, gratuities, [...]
401k Plan Sponsor’s Quarterly Calendar April If a plan audit is required in connection with the Form 5500, make arrangements with an independent accountant/auditor for the audit to be completed before the Form 5500 due date (calendar-year plans). Audit first quarter payroll and plan deposit dates to ensure compliance with the Department of Labor’s rules [...]
Saving for retirement can challenge the best of us. For one group of employees, the challenge seems particularly daunting. Your mid-career colleagues, those between 36 and 56 years of age, may sometimes feel the odds are stacked against them. They are squeezed by their own debt, financial obligations to children who are not yet grown, and often, financial demands [...]
We are pleased to announce the release of the LPL Research Outlook 2019 FUNDAMENTAL: How to Focus on What Really Matters in the Markets, filled with investment insights and market guidance for the year ahead. After nearly 10 years of witnessing the U.S. economy and stock market recover—and thrive—investors are starting to wonder if we’ve [...]
