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Here's where you can find many of the articles we post in our Weekly Newsletter, JPA Weekly Market Review (WMR). We also add other interesting points of information and sometimes we even add links to articles on other websites that we find interesting, so, please bookmark this page and check in often.

 

Monday, October 15, 2018

Examining the potential differences between assumption & reality. Financially, how might retirement differ from your expectations? To some degree, it will. Just as few weather-casters can accurately predict a month’s worth of...

 

Monday, October 8, 2018

They should not be left ill-informed or unaware. Talking about “the end” is not the easiest thing to do, and this is one reason why some people never adequately plan for the transfer of their wealth. Those who do create...

 

Monday, October 1, 2018

Before you enroll, take note of what the insurance does not cover and the changes ahead. Misconceptions about Medicare coverage abound. Our national health insurance program provides seniors with some great benefits. Even so,...

 

Monday, September 24, 2018

Federal law says you can, but you may want to think twice about it. When President Trump signed the Tax Cuts & Jobs Act into law late in 2017, new possibilities emerged for the tax-advantaged investment vehicles known as 529 college...

 

Monday, September 17, 2018

Fall is a good time to assess where you stand and where you could be. You need not wait for 2019 to plan improvements to your finances. You can begin now. The last few months of 2018 give you a prime time to examine critical areas of...

 

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Monday, September 10, 2018

Take these financial lessons to heart. You have a chance to manage your money better than previous generations have. Some crucial financial steps may help you do just that. Live below your means and refrain from living on margin. How...

 

Monday, September 3, 2018

A few things you may want to think about before filing for benefits. Whether you want to leave work at 62, 67, or 70, claiming the retirement benefits you are entitled to by federal law is no casual decision. You will want to consider...

 

Monday, August 27, 2018

What should you focus on as the transition approaches? You can prepare for your retirement transition years before it occurs. In doing so, you can do your best to avoid the kind of financial surprises that tend to upset an unsuspecting...

 

Monday, August 20, 2018

Have you considered the factors that may promote inequality in wealth transfer? Suzanne is widowed and has four adult children. Her investment portfolio is worth $1 million, and she owns a bed-and-breakfast inn worth $1 million as well...

 

Monday, August 13, 2018

What steps can a family take? Besides impacting lives and relationships, dementia can also impact family finances. It may call for another family member to assume money management responsibilities for a parent, grandparent, or sibling....

 

Monday, August 6, 2018

Too often, it persuades investors to make questionable moves. Fear affects investors in two distinct ways. Every so often, a bulletin, headline, or sustained economic or market trend will scare them and make them question their...

 

Monday, July 30, 2018

Resist the temptation. Your future self will thank you. Retirement accounts are not bank accounts. Nor should they be treated as such. When retirement funds are drawn down, they impede the progress of retirement planning, even if the...

 

Monday, July 23, 2018

What pre-retirees owe could compromise their future quality of life. The key points of retirement planning are easily stated. Start saving and investing early in life. Save and invest consistently. Avoid drawing down your savings along...

 

Monday, July 16, 2018

It only makes sense – yet many retirees live without one. You won’t be able to withdraw an unlimited amount of money in retirement. So a retirement budget is a necessity. Some retirees forego one, only to regret it later....

 

Monday, July 9, 2018

There are incidents that standard policies may not cover. No insurance policy will protect you from everything. Even the most comprehensive umbrella liability policy has its shortcomings. A good auto, homeowner, or renter policy will...

 

Monday, July 2, 2018

A review of some options for federal and private loans. Are you dealing with student loan debt? Have you explored ways to try and restructure it or have it forgiven?No one wants to carry five figures of education debt into middle age...

 

Monday, June 25, 2018

Do it smartly, without the all-too-common missteps. According to Sallie Mae, U.S. families with one or more college students spent an average of $24,164 on tuition, housing, and linked expenses in 2015. That was 16% more than in 2014.1...

 

Monday, June 18, 2018

Dispelling some misconceptions about the program. Some myths & misconceptions keep circulating about Social Security. These are worth dispelling, as more and more baby boomers are becoming eligible for their retirement benefits. Myth...

 

Monday, June 11, 2018

To consolidate or not: that is the question. Some couples elect to consolidate their personal finances, while others largely keep their financial lives separate. What choice might suit your household?The first question is: how do you...

 

Monday, June 4, 2018

Turn your intent into a commitment. Goals give you focus. To find and establish your investing and saving goals, first ask yourself what you want to accomplish. Do you want to build an emergency fund? Build college savings for your...

 

Monday, May 28, 2018

They are all too common. Many households think they are planning carefully for retirement. In many cases, they are not. Weak spots in their retirement planning and saving may go unnoticed. Couples should recognize that they may face...

 

Sunday, May 20, 2018

Working longer might work out well for you. Are you in your fifties and unsure if you have enough retirement savings? Then you have two basic financial choices. You could start saving and investing more of your pay than you currently...

 

Sunday, May 13, 2018

Catching Up on Retirement Saving If you are starting at or near 50, consider these ideas. Provided by «representativename» Do you fear you are saving for retirement too late? Plan to address that anxiety with some positive...

 

Sunday, May 6, 2018

A recent poll of pre-retirees suggests that truth risks being ignored. Steady income or a lump sum? Last year, financial services firm TIAA asked working Americans: if you could choose between a lump sum of $500,000 or a monthly income...

 

Monday, April 30, 2018

With or without the estate tax, it addresses several key priorities. Every few years, predictions emerge that the estate tax will sunset. Even if it does, that will not remove the need for life insurance in estate planning. Why? The...

 

Monday, April 23, 2018

A to-do list for the twentysomething. Did you recently graduate from college? The years after graduation are crucial not only for getting a career underway, but also for planning financial progress. Consider making these money moves...

 

Monday, April 16, 2018

What you need to know. When you reach age 70½, the IRS instructs you to start making withdrawals from your Traditional IRA(s). These IRA withdrawals are also called Required Minimum Distributions (RMDs). You will make them...

 

Monday, April 9, 2018

Setting a strategy down may help you define just what you need to do. Many people save and invest vaguely for the future. They know they need to accumulate money for retirement, but when it comes to how much they will need or how they...

 

Monday, April 2, 2018

Even with less itemizing, there are still tax documents you want to retain for years to come. Fewer taxpayers are itemizing in the wake of federal tax reforms. You may be one of them, and you may be wondering how many receipts, forms,...

 

Monday, March 26, 2018

These spending and investing precepts may encourage its longevity. All retirees want their money to last a lifetime. There is no guarantee it will, but, in pursuit of that goal, households may want to adopt a couple of spending and...

 

Monday, March 19, 2018

Financially speaking, what do some households do right? Why do some households tread water financially while others make progress? Does it come down to habits? Sometimes the difference starts there. A household that prioritizes paying...

 

Monday, March 12, 2018

Health Savings Accounts may provide you with remarkable tax advantages. Provided by «representativename» Why do higher-income households inquire about Health Savings Accounts? They have heard about what an HSA can...

 

Monday, March 5, 2018

Financially speaking, what moves might you want to make? By choice or by chance, some people wrap up their careers before turning 60. If you sense this will prove true for you, what could you do to potentially make your retirement...

 

Monday, February 26, 2018

The two should not be confused. What is risk? To the conservative investor, risk is a negative. To the opportunistic investor, risk is a factor to tolerate and accept. Whatever the perception of risk, it should not be confused with...

 

Tuesday, February 20, 2018

After 20 months of relative calm, this volatility needs to be taken in stride. Are you upset by what is happening on Wall Street? It may help to see this pullback within a big-picture context. Corrections have become so rare as of late...

 

Monday, February 19, 2018

Help make things easier for your loved ones when you leave this world. Who wants to leave this world with their financial affairs in good order? We all do, right? None of us wants to leave a collection of financial mysteries for our...

 

Monday, February 12, 2018

The answer depends on your income. Your Social Security income could be taxed. That may seem unfair, or unfathomable. Regardless of how you feel about it, it is a possibility. Seniors have had to contend with this possibility since...

 

Monday, February 5, 2018

Why are they made again and again? Much has been written about the classic financial mistakes that plague start-ups, family businesses, corporations, and charities. Aside from these blunders, there are also some classic financial...

 

Monday, January 29, 2018

Think about these matters before you leave work for the last time. Retirement planning is not entirely financial. Your degree of happiness in your “second act” may depend on some factors you cannot quantify. Here are a few...

 

Monday, January 22, 2018

Build your emergency fund this year. Provided by «representativename» How much does the average American household have in the bank? Estimates vary, but the short answer to this question is “not enough.” Last...