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Below is a sampling of our past newsletters as well as a copy of our most recent newsletter.

Questions to Ask Before Buying That Thing You’ve Always Wanted

Even if you’re generally comfortable with your finances, you may occasionally worry about how much you’re spending, especially if you consistently have trouble saving for shortor long-term goals. Here are a few questions to ask that might help you decide whether a purchase is really worth it. Why do I want it? Maybe you’ve worked hard and think you deserve to buy something you’ve always wanted. That may be true, but are you certain you’re not being unduly influenced by

Working in Retirement: What You Need to Know

Planning on working during retirement? If so, you’re not alone. Recent studies have consistently shown that a majority of retirees plan to work at least some period of time during their retirement years. Here are some points to consider. Why work during retirement? Obviously, if you work during retirement, you’ll be earning money and relying less on your retirement savings, leaving more to grow for the future. You may also have access to affordable health are, as more and more

Special Edition: Year End Advice

Happy Holidays! As a reminder, these are the last few weeks for the very popular FPCM Year-End Rate Special, which is good for an EXTRA 1/2% added to your family rate. Rates start at 6.50% and escalate from there. If you desire more monthly income, then FPCMs are worth a second look. If you prefer to compound your interest instead, then please remember we also offer access to Growth Opportunity Notes, which are also a very good way to diversify

Projecting a Happy Retirement

A 2015 study found that 41% of households headed by someone aged 55 to 64 had no retirement savings, and only about a third of them had a traditional pension. Among households in this age group with savings, the median amount was just $104,000. Your own savings may be more substantial, but in general Americans struggle to meet their savings goals. Even a healthy savings account may not provide as much income as you would like over a long retirement.

Six Potential 401(k) Rollover Pitfalls

You’re about to receive a distribution from your 401(k) plan, and you’re considering a rollover to a traditional IRA. While these transactions are normally straightforward and trouble free, there are some pitfalls you’ll want to avoid. 1. Consider the pros and cons of a rollover. The first mistake some people make is failing to consider the pros and cons of a rollover to an IRA in the first place. You can leave your money in the 401(k) plan if your