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Don't let your college graduate leave free money on the table. A simple chat about 401(k) matches, Roth IRAs, and automating small savings sets them up for life. Learn how to start the conversation and guide your new grad with confidence. https://bit.ly/4xYnOYi

Retirement Planning for Young Adults | Smart Financial Credit Union - Smart Financial Credit Union Learn practical tips on retirement planning for young adults. Discover how to talk to your college graduate about options with Smart Financial Credit Union.

Near‑retirees are making big strides—thanks to virtual financial wellness. A new study reveals how virtual benefits boost 401(k) contributions and cut delayed-retirement costs by nearly $2M for large organizations. Click to read how virtual tools are changing the game. https://bit.ly/4qJNGou

Can Virtual Wellness Tools Move the Needle on Retirement Readiness? With an eye on helping near-retirees better prepare for retirement, a new report suggests that employees ages 55+ who engage with virtual financial wellness benefits make significant progress toward key retirement readiness milestones, compared to those who don’t.

This piece presents an overview of fundamental steps to consider when a loved one passes.

A Checklist for When a Spouse or Parent Passes An overview of some fundamental steps when a loved one passes.

💰 Save with intention: Track spending, separate needs from wants, and automate savings so progress doesn’t depend on willpower alone.

📈 Diversify your investments: Spread money across different types of assets to help reduce the risk of relying too heavily on any one area.

🎯 Manage debt and credit wisely: Pay down high-interest balances, keep credit use in check, and make payments on time.

Want the full breakdown on taxes, insurance, and other ways to protect what you build? Read more: https://bit.ly/45HDzqG

7 Steps to Start Building Personal Wealth Discover how earning, saving, investing, and protecting assets can help you start building your personal wealth in 7 straightforward steps.

Agent Jane Bond wants you to know about how bonds can be laddered to generate income.

Jane Bond: Scaling the Ladder Agent Jane Bond is on the case, uncovering the mystery of bond laddering.

“You’ll pay less tax in retirement” isn’t always true. Combining Social Security with required minimum distributions can trigger the “tax torpedo,” potentially raising the effective tax rate on additional withdrawals. See how careful planning may help: https://bit.ly/3U4oJIl

Will You Pay Higher Taxes in Retirement? Your Social Security income and RMDs will most likely combine to deliver a tax torpedo, but there are ways to reduce your income in retirement to pay less tax.

42% of Americans wouldn’t know what to do if a family member died today, and that jumps to 56% among those without an estate plan.

📄 Get organized before you talk: Have your plan in place, then make sure family knows where to find your will, financial information, and other important documents.

❤️ Explain choices that may surprise them: Unequal inheritances or unexpected decisions can create tension, so sharing the reasoning behind them may help reduce confusion later.

👥 Choose who’s in charge carefully: One executor with alternates, or a neutral third party, may be simpler than asking multiple people to make every decision together.

See six ways to make estate-planning conversations easier and more productive: https://bit.ly/3UbRjHP

The Conversation You’re Avoiding: How to Bring Up Estate Planning with Your Family It can be hard to talk about estate planning, especially when it comes to your parents, siblings or children. Here's how to get past the awkwardness.

Teaching your kids about money could save you from future financial headaches. Experts suggest discussing spending habits, offering allowances, and even turning savings into a competition. Learn creative ways to make finance fun for children: https://bit.ly/2yZFlnw

10 Ways to Teach Your Kids About Money, According to Financial Experts Set your kids up for long-term financial success by teaching them early about money.

Building wealth that lasts beyond your lifetime takes more than luck. The right structures, investments, and family habits can help support a longer-term legacy.

🏛️ Create a clear plan: Trusts and other estate-planning tools can guide how assets are managed, transferred, and used.
🏠 Build varied income sources: Rental property, dividend-paying stocks, and bonds may provide income while spreading risk.
📚 Teach the next generation: Share your financial approach with heirs so they are better prepared to manage what they receive.

Explore more ways retirees can use passive income and planning to build generational wealth: https://bit.ly/4x6bjcY

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Is it time to talk to a financial professional? This infographic will help you decide. Check it out here:

Key Money Moments: 4 Times You Should Talk to a Pro Life happens fast, and your finances can take a backseat if you’re not careful. Is it time to check in with a financial professional? This infographic will help you examine your own financial situation and decide if it’s time to step up your financial game.