Why Your Choice of Trustee Matters

As you plan for your own and your family’s financial future, you may be considering the creation of a trust. If you decide a trust is needed, either during your lifetime or in your will, you will have to choose a trustee to administer it.
 

Objectivity

To Convert or Not To Convert?

That is a question you may be contemplating soon due to a change in the tax law. Starting in 2010, anyone with a Traditional IRA will be able to convert it to a Roth IRA, regardless of income or filing status. 
 

The Three Reasons to Consider a Living Trust

The word trust may make you think first of a tax cut. It is true that trusts can save taxes in many situations, but trusts have other advantages, too. For example, one type of trust you may have heard something about a Revocable Living Trust can be very useful.

The Annual Rite of Rebalancing

The mix of assets chosen for your portfolio should reflect your goals and the level of investment risk you are willing to take to reach them. But fluctuations in the securities markets can change a portfolio's allocation over time, exposing it to more or less risk than intended and leaving it less diversified.
 

Sector Investing

One way to help control risk and increase your portfolio’s chances for a healthy return is through diversifying your investments across and within the major asset classes. Holding a mix of large, mid, and small cap stocks and investment grade bonds of varying maturities can be a good start toward reducing your portfolio’s volatility. But you don’t have to stop there. You can further moderate risk by investing in different sectors of the economy.
 

Revocable Living Trust to the Rescue

No one likes to think about the possibility of not being able to manage their own affairs. Still, accidents and illnesses do happen. If you worry about who would manage your assets if you couldn’t do it yourself, then you might want to consider a revocable living trust.
 

What It Is

Retirement Savings To Last a Lifetime

It’s not always easy to know if you’re saving enough for your retirement. Like most people, you’re probably not sure. Here’s how to get a general idea of whether your savings are on track to last throughout your retirement.
 
Plan for a Long Retirement

Reaping the Benefits of Gift Cards

Although Gift Card programs have been used primarily by large retailers, small to mid- sized businesses can benefit from implementing a gift card program.
 
A First Data survey of small to mid-sized businesses found that 82 percent of respondents indicated that offering gift cards has had a positive impact on their bottom line. The majority of merchants who implement gift card programs also report an increase in their sales.
 

Take The Paper Out of Your Process With Electronic Check Service

Electronic Check Service is an integrated authorization, settlement and collections solution where a merchant runs checks through magnetic ink character recognition (MICR) readers at the point of sale, returns the paper check to the customer and settles the items via the ACH network.

Payment Security Standards: What You Need To Know

The 20th century U.S. criminal Willie Sutton was said to rob banks because “that’s where the money is.” The same motivation in our digital age makes merchants the new target for financial fraud. Occasionally, lax security by some merchants enables criminals to easily steal and use financial information from payment card transactions and processing systems. It’s a serious problem – more than 234 million records with sensitive information have been breached since January 2005, according to Privacy Rights Clearinghouse.org.

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