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Retirement savings, essential for independence in later years, can be influenced by numerous factors. Among them are longevity, liquidity, inflation, mortality (the stock) market, and taxes (LLIMMT). Each element plays a crucial role in shaping an individual’s retirement outlook.

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The end of the year is a perfect time to give back to others and your community. Whether you’re an individual or a business owner, charitable donations benefit the recipient and provide tax advantages to the donor. Tax deductibility often incentivizes individuals and corporations to give more vigorously to philanthropy, which is essential. Here are some reasons why end-of-year giving may be a comprehensive strategy.

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As the end of the year approaches, it’s time to start thinking about what comes next for you in the New Year. Reviewing your financial situation can help you evaluate your financial health and set the stage for wealth growth in the coming year. Here is an end-of-year financial checklist to work through as you pursue being on top of your financial game.

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Creating a steady retirement income stream is vital for independence and a fulfilling post-work life. While several retirement income strategies exist, not all provide the confidence necessary for this stage of life. This article outlines five well-known retirement income streams that may provide retirees with a consistent source of income from early retirement throughout their lives.

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One of the major concerns people have when planning their retirement is how to protect their retirement savings from unforeseen medical expenses. Healthcare costs have steadily risen, but adequate planning can help maintain these costs in retirement. This article outlines a few strategies to help shield retirement savings from unexpected healthcare costs.

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National Family Literacy Day is celebrated annually on November 1st. It was established to encourage families to partake in financial literacy-related activities together. It underlines the family’s vital role in nurturing their children’s financial literacy skills from childhood through adulthood.

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Annuities, insurance products issued by insurance companies, are often recommended by insurance and financial professionals to investors. They are designed to provide a steady income stream in retirement. While there are benefits of annuities, they also have drawbacks that investors should consider.

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In recent years, there has been ongoing discussion and debate about potential changes to the Social Security system in the United States. This year is the same as the Social Security Administration, which is considering numerous changes for 2025.

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October is recognized as Financial Planning Month, an annual event dedicated to planning for an independent financial future. Whether you’re a novice or knowledgeable in finance, assessing your finances and goals is always beneficial.

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Many people are concerned about financial independence as they approach retirement. Whether you’re a decade away from retirement or it’s near, there is no better time to implement these five tips than now.

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