Along with both spouses being able to handle the family’s finances, it’s also important to put together a listing of accounts, insurance policies, health care directives, powers of attorney and wills.
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If you think fixed income is a safe investment, you could be in for a shock.
In the land of negative real returns, zero is king.
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If your employer offers you a cash balance retirement savings plan, snap it up. It can provide valuable retirement planning stability as well as portability. Cash balance retirement plans are a hybrid mix of old-fashioned pension plans and 401(k)s. Kevin Wagner, senior retirement specialist in the Atlanta office of consultancy Towers Watson, says most companies