Important information,  just for you. Click on the link to view the full article.

An Estate Plan or a Wealth Transfer Strategy?
Basic estate planning documents may not communicate your intentions.
There are three degrees of estate planning: advanced, basic, and none at all. Basic is better than none, but elementary estate planning can still leave something to be desired. While appropriate documents may be in place, they may not be able to fully convey what you really want to do with your estate.

Good Financial Steps to Take When You Get Married
If you’re going to say “I do,” here are some things you might want to do.
Are you marrying soon? Have you recently married? As you begin your life together, it is important for you to start planning your financial future together and putting your finances on the same page. Here are some priorities you might want to write down on your financial to-do list.

How Much Should You Save By Age 30, 40, 50, or 60?
What number should you strive to reach?
It is agreed that the earlier you start saving for retirement, the better. The big question on the minds of many savers, however, is: “How am I doing?” This article will show you some rough milestones to try and reach. (Keep in mind that you may need to save more or less than these amounts based on your objectives and lifestyle and income needs.)

Is a Home an Investment
From one perspective, the answer is yes; from another, no.
When you buy a home, are you investing? If you buy it to flip it or buy it as a rental property, the answer is yes. If you buy a home simply to live in it, the answer may be no. Your home is an expression of your lifestyle, a wonderful setting for your life, and a place you can enjoy in privacy and comfort.

Retiring Before 60
If that is your dream, explore whether these steps could be useful to take.
You will need abundant retirement savings and ways to access your retirement assets that lessen or avoid early withdrawal penalties. You may also need to have other, sometimes overlooked, components of retirement planning in place.

Tax-Loss Harvesting
A useful year-end move to counteract capital gains.
It looks like 2017 will end up being a very good year for the stock market. Consequently, you may realize short-term capital gains. What will you do about them? You could do what many savvy investors do—you could “cash in your losses” and practice “tax-loss harvesting.”

The Financial Toll of Addiction
Opioid abuse threatens to wreak havoc on family finances and retirement plans.
Imagine your retirement dreams put on hold or compromised, your savings and investment accounts reduced, and your loved ones in-communicative or at odds with each other. This terrible state is reality for families ravaged by addiction.