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Should You Pay Off Student Loans Early or Save More for Retirement?

For adults with student debt and extra money on hand, deciding whether to pay off student loans early or put those funds toward retirement can be tricky.
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Is Now a Good Time to Consider a Roth Conversion?

This year has been challenging on many fronts, but one financial opportunity may have emerged from the economic turbulence.
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Year-End 2020 Tax Tips

Here are some things to consider as you weigh potential tax moves before the end of the year.
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Baby Boomers Buying More Online

The coronavirus pandemic has forced consumers to change many habits, including how they shop.
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Three Questions to Consider During Open Enrollment

Open enrollment is your annual opportunity to review your employer-provided benefit options and make elections for the upcoming plan year.
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Five Investment Tasks to Tackle by Year-End

Market turbulence in 2020 may have wreaked havoc on your investment goals for the year.
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Is It Time to Think About Tax-Free Income?

Federal and state governments have spent extraordinary sums in response to the economic toll inflicted by the COVID-19 pandemic.
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Sandwich Generation Caregivers Face Many Challenges

Individuals in the "sandwich generation" have the dual responsibility of providing care for an adult — often a parent — while also raising children.
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Accumulating Funds for Short-Term Goals

Stock market volatility in 2020 has clearly reinforced at least one important investing principle: Short-term goals typically require a conservative investment approach.
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Printing Money: The Fed's Bond-Buying Program

The Federal Reserve's unprecedented efforts to support the U.S economy during the COVID-19 pandemic include a commitment by the Federal Open Market Committee (FOMC) to purchase Treasury securities and agency mortgage-backed securities "in the amounts needed to support smooth market functioning and effective transmission of monetary policy."
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Return of Premium Life Insurance: Protection and Cash Back

You have decided you need life insurance coverage and are considering buying a term policy. But you ask your financial professional, "Do I get any of my money back at the end of the term?"
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Women Outpace Men in Degrees Earned

During the 2019-2020 academic year, U.S. colleges and universities conferred an estimated...
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Three Things to Consider Before Your Next Trip

The health and economic crisis created by the coronavirus (COVID-19) pandemic will have a long-lasting impact on how we all will travel going forward. And though it may be difficult to think about planning a trip during these uncertain times, here are some things to consider if you do decide to travel.
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Could You Be Responsible for Your Parents' Nursing Home Bills?

In 26 states (and Puerto Rico), laws generally hold children financially responsible for certain debts of their parents. These laws are referred to as filial responsibility laws (or filial support or filial piety laws).
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The Changing College Landscape

The 2020-2021 academic year is right around the corner, and the coronavirus pandemic has upended the college world, like everything else.
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Almost Nine Out of Ten Women Qualify for Social Security on Their Own

Because of a long-term rise in the employment rate for women of all ages
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Debit or Credit? Pick a Card

Americans use debit cards more often than credit cards, but they tend to use credit cards for higher-dollar transactions. The average value of a debit-card transaction in 2018 was just $36, while credit-card transactions averaged $89.
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Portfolio Performance: Choose Your Benchmarks Wisely

Dramatic market turbulence has been common in 2020, and you can't help but hear about the frequent ups and downs of the Dow Jones Industrial Average or the S&P 500 index. The performance of these major indexes is widely reported and analyzed in detail by financial news outlets around the nation.
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Tapping Retirement Savings During a Financial Crisis

As the number of COVID-19 cases began to skyrocket in March 2020, Congress passed the Coronavirus Aid, Relief, and Economic Security (CARES) Act.
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Foreign Tourists

More than 79 million foreign tourists visited the United States in 2019, adding $254 billion to the U.S. economy.
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The ABCs of Finance: Teaching Kids About Money

It's never too soon to start teaching children about money.
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Four Questions on the Roth Five-Year Rule

The Roth "five-year rule" typically refers to when you can take tax-free distributions of earnings from your Roth IRA, Roth 401(k), or other work-based Roth account.
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Mid-Year Is a Good Time to Fine-Tune Your Finances

The first part of 2020 was rocky, but there should be better days ahead. Taking a close look at your finances may give you the foundation you need to begin moving forward.
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Happy Memorial Day

Happy Memorial Day from Oak Tree Financial Services.
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Student Debt: It's Not Just for Young Adults

Recent college graduates aren't the only ones carrying student loan debt.
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Why You Might Need Disability Income Insurance

Your ability to earn an income may be your most valuable asset.
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Will vs. Trust: Know the Difference

Wills and trusts are common documents used in estate planning. While each can help in the distribution of assets at death, there are important differences between the two.
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Just for laughs- Surviving-Quarantine

This lady is putting on a brave face, but her private thoughts are a little more stressed-out—and amusing.
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Five Key Benefits of the CARES Act for Individuals and Businesses

By now you know that Congress has passed a $2 trillion relief bill to help keep individuals and businesses afloat during these difficult times.
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State Population: Winners and Losers

The U.S. population was 328,239,523 in 2019, an increase of 0.5% over 2018.
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How much you should be saving for you kids to go to college?

Americans owe more than $1.7 trillion in student debt.
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Street View: Really Big Numbers.

LPL Research Chief Investment Officer Burt White talks some big numbers, including 3 million jobless claims and the $2 trillion stimulus package.
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Delivery Services & Other Useful Resources

Current available delivery services and other helpful resources to help prepare for the COVID-19 virus (also known as novel coronavirus).
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How Long Should You Keep Financial Records?

The rules for tax records apply to other records you use for deductions on your return...
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Social Security May Offer a Lifetime of Protection

Social Security is much more than a retirement program.
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Keeping Cool: Investment Strategy vs. Reaction

After losing ground in 2018, U.S. stocks had a banner year in 2019, with the S&P 500 gaining almost 29% — the highest annual increase since 2013.
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Tax Refund: Spend or Save

About 72% of taxpayers received a refund in 2018 and 2019.
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