Getting Disability Insurance When You Are Self-Employed

It can be difficult to pay your bills if you get sick or injured and are unable to work. And it’s even more challenging if you’re self-employed and don’t have the benefit of sick days or any disability insurance from your employer. It can be complicated to qualify for disability insurance if you’re self-employed, but the following strategies can help — from

Why It’s Important to Keep Your Beneficiary Designations Updated

You may need to update your beneficiary designations on your retirement plans because of life changes and new rules. This article in explains how to make sure the people you want will inherit your accounts — and how the SECURE Act changes their options for receiving the money.

How to Fit Long-Term-Care Insurance Into Your Retirement Budget

You need to consider the potential cost of long-term care when planning for retirement, which can top $100,000 per year in a nursing home and $50,000 in assisted living or your own home. Long-term-care insurance can help you cover those expenses, but the policies are becoming more expensive, too. Find out how to manage the cost of long-term-care insurance and take advantage of tax breaks, while providing some valuable coverage to protect your retirement savings, in

20 Ways to Save Money on Car and Home Insurance

Find out about 20 relatively simple steps that can help you save hundreds of dollars on your car and home insurance without sacrificing the quality of coverage — in

Understanding Taxes on Annuities

An annuity can provide guaranteed lifetime income in retirement, as well as tax deferral.The way the taxes are calculated depends on the type of annuity, how you receive the payouts, and whether or not you purchased the annuity with money in a retirement account. Find out more in this article for

Great Financial Gifts for Kids

Find out more about gifts for your kids, grandkids, other relatives, or friends’ children that will have a lasting impact and teach them about saving, investing, and charitable giving in this article.

Is the Time Right for a Roth IRA Conversion?

Now can be a good time to convert money from a traditional IRA to a Roth — you have to pay taxes on the conversion, but the tax bill can be lower when the value of your investments is down and your tax rate is low. But you need to be careful to avoid some unintended consequences when you make the conversion. Find out more at