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  • Buy Insurance You Need, Not What You're Sold

    Take control of your insurance. Assess your needs, review your options, and make an informed decision. Here are some thoughts on that process.

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    Your Emergency Fund: How Much Is Enough?

    Have you ever had one of those months? The water heater stops heating, the dishwasher stops washing and your family ends up on a first-name basis with the nurse at urgent care. Then, as you're driving to work, giving the car your best, "You can make it!" pep talk, you see smoke seeping out from under your hood. Fast Fact: Only 10% of people with a college degree say they have no emergency savings,...

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    Dividing Assets in the Family

    When children are young, the primary concern of parents is to provide for them. After they grow up, parents usually still want to provide for them in their estate plans. If you have more than one child, and you plan for them to inherit your estate, you may wonder how to divide your assets. To help decide how to allocate your estate, answer these questions: Are you comfortable distributing assets ...

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    Avoid these 401(k) Mistakes

     If you're serious about saving for retirement, it's hard to find a more attractive way to save than through your 401(k) plan. To help maximize the potential benefits from your plan, avoid these common mistakes: Waiting until your financial situation improves to participate. Don't postpone participating, thinking it will be easier to find the money for contributions when you get older and have ...

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    Congress Raises 401(k) Hardship Withdrawal Limits

    Most 401(k) plans permit hardship withdrawals, though plan sponsors aren't required to allow them. As it stands today, employees seeking to take money out of their 401(k) accounts are limited to the funds they contributed to the accounts themselves, and only after they've first taken a loan from the same account. Loans must be repaid, of course. The theory behind the loan requirement is that ...

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    LeKites Earns CFP® Certification

    PKS Investment Advisors LLC is pleased to announce that Gigi G. LeKites, has been authorized by the Certified Financial Planner Board of Standards (CFP Board) to use the CERTIFIED FINANCIAL PLANNER™ and CFP® certification marks in accordance with CFP Board certification and renewal requirements.  The CFP® marks identify those individuals who have met the rigorous experience and ethical ...

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    Important Changes for Individuals in the New Tax Law

    For individual taxpayers, the new tax law — commonly known as the Tax Cuts and Jobs Act (TCJA) — includes many expected changes, some unexpected ones and some that didn't make the final cut. Here are the most important things that individual taxpayers need to know about the TCJA, which was signed into law on December 22, 2017. Except where noted, these changes are effective for tax years ...

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    Equifax Data Breach: What Happened & How To Respond

    Equifax, one of the nation’s three major credit reporting agencies, recently reported a massive data breach. Are you among the 143 million U.S. consumers whose personal information was hacked? Here's how to find out — and how to help protect yourself against future breaches. What Went Wrong? On July 29, Equifax discovered that, starting in mid-May, criminals had exploited a vulnerability in a ...

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    Understand Your Social Security Retirement Benefits

    For years, people have questioned the viability of the Social Security system going forward. In July, the Social Security Board of Trustees released its annual report on the long-term financial status of the Social Security Trust Funds. The report projects that the combined asset reserves of the Old-Age, Survivors and Disability Insurance (OASDI) Trust Funds will become depleted in 2034, unless ...

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    Inheriting Money? Considerations for Handling It

    After receiving an inheritance, you need to determine how to incorporate those assets, whether stocks, bonds, real estate or some other asset, into your finances. Consider these points during the process: Determine what you will receive and when. Inheritances typically don't come in the form of one check. You're likely to receive the inheritance in pieces over a period of time. Work with the ...

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