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SMART Management of Retirement Income

Getting Ready for Retirement When you retire, you have more control over your time, and finally have enough leisure to do what you want. While taking control of your time may not require a lot of advance planning, taking control of your retirement finances does. You need income you can count on, year in and […]
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SMART 401(k) Investing

401(k) retirement plans can make the difference between a financially secure retirement and the specter of running out of money. These plans offer tax benefits and the opportunity for your savings to compound over time. So it’s important to understand every aspect of how your 401(k) plan works, whether you’re just getting started or you’re […]
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What is a Fixed-Index Annuity?

What is a Fixed-Index Annuity? An annuity is a contract between you and an insurance company in which the company promises to make periodic payments to you, starting immediately or at some future time. If the payments are delayed to the future, you have a deferred annuity. If the payments start immediately, you have an immediate annuity. […]
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Evaluating Investment Performance

Choosing investments is just the beginning of your work as an investor. As time goes by, you’ll need to monitor and track the performance of these investments to see how they are working together in your portfolio to help you progress toward your goals. Generally speaking, progress means that your portfolio value is steadily increasing, […]
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Shopping for SMART Financial Products

When it comes to shopping for SMART for financial products—such as credit cards, auto loans or mortgages—most Americans either do not comparison shop or conduct only limited searches for the best prices or terms. For example, according to the FINRA Investor Education Foundation’s National Survey, nearly two-thirds of all credit card holders reported that they did not […]
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How to Build a SMART Investment Portfolio

Like every investor, you want to choose investments that will provide the growth and income you need to meet your financial goals. To do that, it’s important to understand yourself as an investor. That’s because a portfolio that’s right for someone else may not be best for you. Here are factors on How to Build a […]
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SMART Tips for Selecting a Financial Professional

Choosing a financial professional-whether a stockbroker, a financial planner, or an investment adviser-is an important decision. Consider the tips below as you make your choice. Also the third page of this document has a list of questions you can ask a financial professional whose services you are considering. Tip 1. Do your homework and ask […]
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How to Invest in a SMART Way

Define Your Goals Knowing how to secure your financial well-being is one of the most important things you can do for yourself. You don’t have to be a genius to do it. You just just need to know a few basics, form a plan, and be ready to stick to it. To end up where […]
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Working with a Financial Professional

Everyone should have a financial plan, regardless of age, income or net worth. It will help plan for the future and meet goals. Having a skilled financial adviser can be vital in helping create a financial plan. Some people like to do it themselves, but for those who do not have the time, desire or […]
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What is Asset Allocation, Diversification, and Rebalancing?

Asset allocation involves dividing your investments among different assets, such as stocks, bonds, alternative investments, and cash. The asset allocation decision is a personal one. The allocation that works best for you changes at different times in your life, depending on how long you have to invest and your ability to tolerate risk.  Factors to consider include your: Time Horizon. Your […]
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