News & Articles
How to Negotiate a Lower Credit Card Interest Rate
High-interest rates on credit cards are a primary source of stress–especially when you consider that one-third of Americans use credit cards to pay for necessities–but you do have options. When shouldering debt, you might ask yourself “Can I negotiate with credit card companies?” and the answer is yes. Negotiating can help decrease credit card interest rates and alleviate your financial burden. The Benefits of Lowering Your Credit Card Interest Rate When [...]
Will Power
Only one-third of adults have an estate strategy document such as a will in place, which may not be entirely surprising. No one wants to be reminded of their own mortality or spend too much time thinking about what might happen once they’re gone.1 But a will is an instrument of power. Creating one gives you control over the distribution of your assets. If you die without one, the [...]
Your Changing Definition of Risk in Retirement
During your accumulation years, you may have categorized your risk as “conservative,” “moderate,” or “aggressive” and that guided how your portfolio was built. Maybe you concerned yourself with finding the “best-performing funds,” even though you knew past performance does not guarantee future results. What occurs with many retirees is a change in mindset—it’s less about finding the “best-performing fund” and more about consistent performance. It may be less about [...]