Protect Your Retirement by Improving Your Credit Score

A bad credit score can have a direct effect on your retirement. Find out how to improve your credit score to protect yourself and your family.

Negative Interest Rates—What Does This Mean To You?

Last week, I had a client meeting with a very nice couple (let’s call them Jack and Stephanie). In our meeting, Stephanie asked a very good question, “How would negative interest rates affect us?”   If you’ve been keeping up with the news on the global markets lately, or really if you’ve had your TV […]

Rising Interest Rates Reaching Beyond The Grave

Last week I wrote about how the Federal Reserve (the Fed) finally raised interest rates after promising to do so for over a year. I explained how this could impact average Americans, their retirement and their wealth with such things as loans, mortgages, savings accounts and other financial tools relied on by many. But what […]

‘Free’ College Loans? Nope . . . You Pay!

Decisions have consequences. Some things just don’t work out the way we plan.   Who has heard of the Income-Based Repayment (IBR) plan the US government has implemented for federal student loans? The truth is: not many. More than 12 percent of student loan borrowers are defaulting, even while there are other options—such as Income-Based […]