Insights

What's in this issue: Record Charitable Giving in 2024; Traditional vs. Roth: IRA Preference Differs by Generation; Finish the Year Strong by Considering These Tax Moves; Holiday Tipping Etiquette: Tis' the Season to Show Your Appreciation; Goodbye Passwords, Hello Passkeys; Strategies for Smarter Giving; and Beneficiary Designations: Who Gets the Money?

What's Inside: Premium Pay for Top Schools; Navigating Medicare; Time Horizon; High Cost of Dying; Employee Ownership Succession Plan; and Life Insurance Help

What's Inside: Boomer Homeownership and Retirement; Three Ways to Help Build Financial Resilience; FAFSA for 2026-2027 School Year Opens on October 1; Planning for a Pricey Pet; How Has SECURE 2.0 Affected 401(k) Plans?; and Unpacking the Real Limits on Unlimited PTO

What's Inside: Cost Is a Key Factor in College Selection; Home Appliance Economics; Staycations Are About More Than Saving Money; Navigating Financial Conversations with Aging Parents; Consider Munis for Tax-Free Income; Avoiding Probate with a TOD Deed and TOD Account

What's Inside: Travel Spending Surpasses Pre-Pandemic Levels; The Lock-in Effect Is Easing, But Oh So Slowly; Have You Set a Retirement Savings Goal?; Buying a Condo? Focus on the Financials; Family Fun for Less: Tips to Help Cut Costs on Your Next Vacation; Tips to Help Preserve Your Inheritance

What's Inside: State and Local Sales Tax Across the Map; Social Security Wage Base for 2025 Is Highest Yet; Will You Pay a Medicare Surcharge?; Peer-to-Peer Payments Are Popular, but Be Careful; Golf is Back, but Good Luck Getting a Tee Time; and Fine-Tuning with Sector Funds

What's Inside: Prime Workforce Stays Strong; QLACs: Your Retirement Accounts Can Act Like Pensions; Are Extended Warranties Worth It?; Life Insurance in Retirement; Versatile 529 Plans Can Help with More than Just College; and A Backup Plan for Your Paycheck

What's Inside: Cost of Living Varies Widely Across the U.S.; Funding the Federal Government; Have You Checked Your Social Security Statement Lately?; Catch Up for a More Comfortable Retirement; ETFs Are Closing the Gap with Mutual Finds; and Debt After Death: What Happens to Debt When Someone Dies?