In This Issue:

• Key Retirement and Tax Numbers
• Hybrid Funds, Lifestyle or Target?
• What Happened to Your Money?

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Conflicting Signals 

Whitepaper: Estate Planning Review

Written By: Daniel A.

Most consumers typically have both a credit card and a debit card. Of course, the biggest difference between the two is that a debit card will immediately take money out of your bank account when used, unlike a credit card, which will pay for the purchase and later add the amount of the transaction to your monthly statement.

But are there any other differences between the two?

We all have certain causes that we choose to support monetarily. In fact, in 2017, Americans gave more than $410 billion to charities, breaking the $400 billion mark for the first time in history.

But anytime that we give our money to an organization, it’s important to do our due diligence, ensuring that the funds that we give will be used effectively.

Document Retention:  What to hold on to and when to let go

The song “Hold on Loosely” was released in 1981 by the band 38 Special, peaking at #27 on the Billboard charts in May.  But the lyrics live on into 2019 as they apply to the recommendations for records retention that most of us should follow.

Contemplating a future of possible declining health or infirmity is not a pleasant prospect for any of us. Some people mistakenly think that, after age 65, Medicare will pick up any future tab. But there are many gaps and limits to Medicare coverage that can limit your options or leave you or your family members holding the bag for out-of-pocket expenses.

Investing in the stock market can be extremely rewarding, but not without risk. While most investors understand that market volatility is a given in the stock market, for those trying to decide whether to invest in stocks, the volatility alone gives them pause. A lot of people are too risk averse to be comfortable investing in the stock market.

How does life insurance factor into financial and estate planning? Read this Forbes post: https://tinyurl.com/yb2q46oz

Provided by Doug Fletcher

You probably feel comfortable talking to your teen about things like school, sports, and clothing. But how do you feel about talking about money?