Financial Living Blog
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Is the 4% Rule Still the Gold Standard for Retirement?
July 9th, 2025|3 min read
Q2 2025 Market Update: Mixed Signals Persist, but Pockets of Strength
July 4th, 2025|3 min read
Will Your Money Last as Long as You Do? How to Manage Longevity Risk
June 26th, 2025|5 min read
Lump Sum Investing vs. Dollar Cost Averaging: Which Is Right for You?
June 20th, 2025|4 min read
How Can You Avoid Early Withdrawal Penalties?
June 11th, 2025|5 min read
Estate Planning Documents Everyone Needs
June 5th, 2025|4 min read
Investing After 50: What to Do Now
May 29th, 2025|5 min read
Give Money Now or Later? Why More Retirees Are Sharing While They're Still Here
May 23rd, 2025|3 min read
Annuities: A Retirement Income Tool Worth Considering – or Skipping?
May 14th, 2025|3 min read
Hidden Retirement Gem? How an HSA Can Be a Key Long-Term Asset
May 7th, 2025|3 min read
Retirement Changes May Be Coming for Federal Employees
May 1st, 2025|3 min read
The Simple Financial Task That Could Save Your Family Time and Money
April 30th, 2025|3 min read
How the Modified Rule of 75 Affects Your AT&T Retirement Benefits
April 29th, 2025|3 min read
Timing Is Everything: What to Know Before You Claim Social Security
April 23rd, 2025|4 min read
Advance Capital Advisors Named to Forbes 2025 List
April 14th, 2025|3 min read
Q1 2025 Market Update: Tariffs Raise Uncertainty
April 9th, 2025|3 min read
What Is a Recession – and Should You Be Worried?
April 2nd, 2025|4 min read
Are You Paying Too Much in Investment Fees?
March 26th, 2025|4 min read
Why an Emergency Fund Is an Overlooked Retirement Asset
March 19th, 2025|4 min read
The Role of Bonds in a Retirement Portfolio
March 12th, 2025|5 min read
Setting the Right Asset Allocation in Retirement
March 5th, 2025|4 min read
Retirement Planning for Couples: Avoiding Common Missteps
February 26th, 2025|3 min read
5 Financial Planning Questions to Ask in Your 50s
February 19th, 2025|4 min read
Strategies for Getting the Most from Your Pension
February 13th, 2025|4 min read
Is a Roth Conversion Right for You? Key Benefits and Considerations
February 5th, 2025|4 min read
Federal Government Workers Buyout: Should You Accept?
January 30th, 2025|6 min read
Your Retirement Budget: 5 Expenses You Might Be Forgetting
January 30th, 2025|4 min read
How to Use a 401(k) Rollover to Optimize Your Retirement Savings
January 23rd, 2025|3 min read
Downsizing for Retirement: Pros, Cons and Smart Choices
January 16th, 2025|4 min read
Getting an Inheritance? Here’s How to Handle a Financial Windfall
January 9th, 2025|3 min read
Q4 2024 Market Update: A Resilient Economy Faces Mixed Signals
January 2nd, 2025|3 min read
Capital Gains vs. Ordinary Income: What Retirees Should Know About Investment Taxes
December 26th, 2024|4 min read
Investing During All-Time Highs: Why Staying the Course Still Works
December 17th, 2024|4 min read
From College to Retirement: Should You Roll Over Leftover 529 Funds to a Roth IRA?
December 11th, 2024|3 min read
What to Know About SECURE 2.0’s New Catch-Up Contribution Rules
December 3rd, 2024|3 min read
Understanding Step-Up in Cost Basis: What It Means for You
November 26th, 2024|4 min read
The Process of Hiring a Financial Adviser (Made Simple)
November 20th, 2024|4 min read
Guide to Finding Lost Pensions, 401(k)s and Retirement Cash
November 15th, 2024|4 min read
How to Manage Holiday Spending: Tips for Those Close to or in Retirement
November 7th, 2024|4 min read
Can I Afford to Retire? Ask Yourself These 5 Questions to See If You’re Ready
October 30th, 2024|4 min read
Caught in the Gen X Sandwich: How to Juggle Caring for Parents, Kids, and Your Retirement
October 25th, 2024|4 min read
Advance Capital Management Named to Forbes 2024 Top RIAs List
October 17th, 2024|2 min read
Inherited IRA Withdrawal Rules: What Heirs Should Know Now
October 10th, 2024|3 min read
Q3 2024 Market Update: Steady Progress Amid Inflation and Uncertainty
October 2nd, 2024|3 min read
Advance Capital Recognized as a Top RIA Firm by Barron’s for 2024
September 23rd, 2024|2 min read
How to Catch Up on Retirement Savings
September 19th, 2024|4 min read
How Interest Rates Impact AT&T Employee Pensions
September 11th, 2024|3 min read
Reasons Why You SHOULDN’T Hire a Financial Adviser
September 6th, 2024|4 min read
Navigating RMDs: What to Know for Your Retirement
August 28th, 2024|4 min read
Freezing Your Credit: What You Need to Know
August 21st, 2024|4 min read
Forbes Says These 3 Advance Capital Advisers Are ‘Best-In-State Top Next-Gen Wealth Advisors’
August 13th, 2024|2 min read
How to Handle Market Declines
August 8th, 2024|4 min read
Should You Buy a Vacation Home? What to Consider First
July 31st, 2024|5 min read
Don’t Squander Your Savings: Avoid These 401(k) Rollover Mistakes
July 24th, 2024|4 min read
Beware of Sophisticated Investment Scams: How to Spot and Avoid Them
July 19th, 2024|4 min read
Q2 2024 Market Update: Navigating the “Last Mile” of Recovery
July 9th, 2024|3 min read
5 Ways a Financial Adviser Can Help Prevent Estate-Planning Family Feuds
July 3rd, 2024|2 min read
How Much to Expect to Pay in Taxes on IRA Withdrawals
June 26th, 2024|3 min read
How Much Stock Should I Own? Adjusting Your Stock Allocation with Age
June 20th, 2024|4 min read
Naming Beneficiaries for Inherited IRAs: What You Need to Know
June 13th, 2024|3 min read
Retiring? Don’t Forget to Cash In on Your Unused PTO
June 6th, 2024|3 min read
5 Reasons You Should Review Your Retirement Plan Every Year
May 30th, 2024|3 min read
Could Your AT&T 401(k) Use Professional Help?
May 22nd, 2024|3 min read
Adjusting Your Retirement Plans After a Divorce
May 15th, 2024|4 min read
Do Presidents Impact the Market? Investment Tips for an Election Year
May 10th, 2024|3 min read
Does Market Timing Work? Three Answers
May 2nd, 2024|3 min read
Do You Need Life Insurance in Retirement?
April 24th, 2024|3 min read
5 Key Considerations for Women Investors
April 16th, 2024|4 min read
5 Advance Capital Financial Advisors in Michigan Named ‘Best-In-State’
April 10th, 2024|3 min read
Q1 2024 Market Update: Economy Stays Positive
April 2nd, 2024|3 min read
How Does a 401(k) Work When You Retire? Here Are Your Options
March 28th, 2024|4 min read
8 Situations When You Need a Financial Adviser Most
March 20th, 2024|4 min read
4 Financial Regrets That Can Still Be Fixed – Are You Making One?
March 14th, 2024|4 min read
7 Tax-Saving Strategies That Could Keep More Money in Your Pocket
March 7th, 2024|5 min read
Are You Measuring Your Investments All Wrong?
February 28th, 2024|3 min read
Should I Hire a Financial Adviser for My 401(k)?
February 22nd, 2024|4 min read
You Can Collect Social Security While Working – But Should You?
February 16th, 2024|4 min read
How to Help Young Adults Start Saving and Investing
February 9th, 2024|3 min read
TSP Withdrawal Rules After Retirement: What to Know
February 2nd, 2024|5 min read
Creating a Retirement Income Stream: Savings, Social Security and More
January 25th, 2024|5 min read
Good News, Michigan Retirees: Understanding the Retirement Tax Repeal
January 18th, 2024|4 min read
What Are the Best 401(k) Investments? It Depends.
January 10th, 2024|4 min read
Q4 2023 Market Update: Outlook for the New Year
January 2nd, 2024|4 min read
The 15 Most Popular Advance Capital Articles of 2023
December 26th, 2023|6 min read
12 Smart Moves for Your 2024 Financial Plan
December 20th, 2023|5 min read
Understanding the AT&T 401(k) Match: A Guide for Employees
December 14th, 2023|4 min read
Retirement Planning: Should You Buy or Rent?
December 8th, 2023|7 min read
Investment Strategies for a Secure Retirement
December 1st, 2023|6 min read
Is the 60/40 Portfolio Dead? Not So Fast.
November 22nd, 2023|3 min read
Smart Ways to Minimize Taxes in Retirement
November 16th, 2023|4 min read
How to Calculate Your Retirement Savings Needs
November 9th, 2023|4 min read
Should You Stay Invested in Bonds Now?
October 31st, 2023|2 min read
Why It’s Never Too Early or Too Late to Start Planning for Retirement
October 27th, 2023|6 min read
Are You Taking Advantage of These Valuable AT&T Benefits?
October 19th, 2023|4 min read
Advance Capital Management Named to Forbes 2023 America’s Top RIAs List
October 16th, 2023|2 min read
6 Ways to Protect Your Money from Persistent Inflation in Retirement
October 12th, 2023|4 min read
Q3 2023 Market Update: Signs of Softening
October 4th, 2023|3 min read
Retirement Planning 101: What You Need to Know
September 27th, 2023|5 min read
Advance Capital Management on Barron's 2023 Top 100 RIA Firms List
September 19th, 2023|2 min read
4 Social Security Mistakes to Avoid If You’re Married
September 14th, 2023|3 min read
Maximizing Your Savings: The Power of Catch-Up Contributions in 2024
September 6th, 2023|3 min read
How to Navigate the FERS Retirement Process
September 1st, 2023|3 min read
Discretionary Investment Management Offers a Professional Touch
August 25th, 2023|6 min read
Protecting Your Assets: The Vital Role of a Custodian
August 17th, 2023|4 min read
3 Advance Capital Advisers on Forbes 2023 Top Next-Gen List
August 16th, 2023|1 min read
Advance Capital Management Named One of America’s Top RIAs for 2023
August 8th, 2023|2 min read
Why You Need to Know These Key AT&T Pension Dates
August 4th, 2023|3 min read
Is a Pension Lump Sum or Annuity Better?
July 27th, 2023|5 min read
Travel Insurance: What to Know Before You Buy
July 19th, 2023|4 min read
Q2 2023 Market Update: Positives in Economy, Markets
July 13th, 2023|3 min read
How Much Will Your Investments Earn? 7 Key Factors
July 5th, 2023|5 min read
Is Long-Term Care Insurance Right for You? Factors to Help You Decide
June 28th, 2023|7 min read
What Is the FERS COLA and How Does It Work?
June 23rd, 2023|3 min read
Retire Early and Penalty-Free: Navigating the Rule of 55
June 15th, 2023|4 min read
Saving for College: 529 vs Brokerage Account
June 8th, 2023|6 min read
What Is the Value of a Financial Adviser?
June 1st, 2023|7 min read
Securing Your Golden Years: Roth Conversions and Backdoor Roths
May 24th, 2023|5 min read
Pay Off Your Mortgage Early or Save More for Retirement?
May 17th, 2023|4 min read
Navigating an AT&T Pension Transfer: What You Need to Know
May 11th, 2023|4 min read
Tax-Smart Ways to Give to Charity
May 4th, 2023|3 min read
How to Choose Between Pre-tax and Roth Contributions
April 26th, 2023|6 min read
How Are Your FERS, Social Security and TSP Funds Taxed?
April 21st, 2023|3 min read
3 ACM Advisers Named to 2023 Forbes ‘Best-in-State’ List
April 13th, 2023|2 min read
Q1 2023 Market Update: Unintended Consequences for the Economy and Capital Markets
April 5th, 2023|4 min read
Estate Planning 101: Will or Trust?
March 29th, 2023|4 min read
5 Good Reasons to Take Social Security Early (Fear That It Will Run Out of Money Isn’t One)
March 22nd, 2023|5 min read
Is Your Inheritance Taxable?
March 15th, 2023|6 min read
AT&T Retirement Benefits Overview
March 8th, 2023|6 min read
ACM Named to List of Best Performing Investment Strategies
February 27th, 2023|2 min read
Which Financial Documents to Keep, Which to Shred and Which to Scan
February 23rd, 2023|4 min read
How to Compare Financial Advisers
February 16th, 2023|5 min read
ACM Adviser Named to Forbes Top Women Wealth Advisor List – Again
February 6th, 2023|1 min read
Should You Tap Your Home for Income in Retirement?
February 1st, 2023|5 min read
Simple Tax Planning Moves to Avoid Paying Too Much
January 25th, 2023|6 min read
Active vs. Passive Investing Pros and Cons: Which Is Right for You?
January 18th, 2023|5 min read
Comparing TSP Investment Options for Federal Employees
January 11th, 2023|7 min read
Q4 2022 Market Update: Has the Fed Gone Too Far?
January 4th, 2023|4 min read
The Most Important Advance Capital Blogs of 2022
December 28th, 2022|5 min read
How Much Should You Pay for a Financial Adviser?
December 21st, 2022|7 min read
Watch Your Step: AT&T Pension Mistakes to Avoid
December 14th, 2022|3 min read
Spending Down Your Savings: IRA Withdrawal Rules
December 7th, 2022|4 min read
Social Security Changes for 2023
November 30th, 2022|3 min read
How to Calculate Your High 3 for Federal Retirement
November 22nd, 2022|4 min read
How to Prepare for Retiring in a Recession
November 16th, 2022|3 min read
Saving for a Rainy Day: Where to Keep an Emergency Fund
November 9th, 2022|5 min read
Get Ahead with This Year-End Financial Checklist
November 2nd, 2022|5 min read
AT&T Retirement: Is Now a Good Time?
October 26th, 2022|5 min read
The Basics of Medicare: 11 Things You Need to Know
October 20th, 2022|6 min read
Q3 2022 Market Update: Fighting Inflation
October 13th, 2022|4 min read
Financial Priorities in Your 20s, 30s and 40s
October 5th, 2022|8 min read
What Exactly Is Retirement Income? And Why You Need to Know Your Sources
September 28th, 2022|7 min read
What Is Federal Retirement Age?
September 21st, 2022|4 min read
Planning for Health Care in Retirement
September 14th, 2022|6 min read
Preparing for a Stock Market Recovery
September 8th, 2022|3 min read
Stay or Go: How Rate Hikes Impact Your AT&T Pension
August 31st, 2022|3 min read
What to Consider Before Buying a Fixed Annuity
August 24th, 2022|4 min read
Importance of Bonds in Your Portfolio
August 17th, 2022|5 min read
Navigating TSP Withdrawals While Working and in Retirement
August 10th, 2022|5 min read
Do You Need a Roth Conversion as You Prepare for Retirement?
August 3rd, 2022|4 min read
How to Save for the Three Different Types of Financial Goals
July 27th, 2022|5 min read
What to Know About AT&T Retirement Survivor Benefits
July 20th, 2022|4 min read
Traditional 529 Plan or Prepaid 529 Plan – Which Is Right for You?
July 13th, 2022|4 min read
Q2 2022 Market Update: Is This Time Different?
July 5th, 2022|5 min read
A Comprehensive Look at the FERS Pension
June 29th, 2022|8 min read
Pros & Cons of Claiming Social Security Early vs. Delayed
June 22nd, 2022|3 min read
How Much Should You Be Saving for College?
June 15th, 2022|4 min read
AT&T 401(k) – Keep It or Roll It Over?
June 8th, 2022|3 min read
What If You Retire in a Bear Market?
June 1st, 2022|4 min read
The Benefits of Long-Term Investing
May 25th, 2022|3 min read
Protecting Your Personal Information and Financial Assets
May 18th, 2022|3 min read
Do I Bonds Make Sense for your Cash Reserves?
May 11th, 2022|3 min read
What to Know About the TSP Mutual Fund Window
May 4th, 2022|3 min read
Should You Expect a Recession or More Economic Growth? Yes.
April 27th, 2022|6 min read
Benefits of a Flexible Retirement Withdrawal Rate
April 25th, 2022|3 min read
You May Need an AT&T 401(k) Review After the WarnerMedia Discovery Deal
April 20th, 2022|4 min read
Q1 2022 Market Update: US Economy Proves Resilient – But for How Long?
April 13th, 2022|4 min read
How Rising Interest Rates May Affect You
April 6th, 2022|3 min read
Getting Rid of Debt Before Retiring from AT&T
March 30th, 2022|3 min read
Vital Retirement Assets You Can’t Put in a Spreadsheet
March 23rd, 2022|5 min read
Navigating High Inflation
March 16th, 2022|6 min read
Steps That Can Boost Your Chances of Becoming a TSP Millionaire
March 9th, 2022|5 min read
Why Tapping Your Retirement Accounts Early Is a BAD Idea
March 2nd, 2022|4 min read
Electing AT&T Survivor Benefits
February 23rd, 2022|3 min read
Common Habits of Happy Retirees and Unhappy Retirees
February 16th, 2022|7 min read
How Federal Workers Can Take Advantage of the FERS Social Security Supplement
February 8th, 2022|3 min read
Charts that Explain Market Volatility, Corrections and Bears – Oh My!
February 2nd, 2022|5 min read
DIY Investing Comes with Its Own Costs
January 26th, 2022|5 min read
Your AT&T Benefits To-Do List for 2022
January 20th, 2022|9 min read
Market Update: Despite Headwinds, Economy and Markets Climb
January 12th, 2022|4 min read
Are You Prepared for Health Care Costs in Retirement?
January 5th, 2022|6 min read
Are You Ready? 6 Necessary Federal Retirement Steps
December 29th, 2021|5 min read
The Best Advance Capital Blogs of 2021
December 21st, 2021|7 min read
AT&T Pension Payouts Expected to DECREASE in 2022
December 16th, 2021|2 min read
Sidestep These 5 Major Non-Financial Retirement Mistakes
December 10th, 2021|6 min read
AT&T Employee Stock Purchase and Cash Deferral Plans: What to Know
December 1st, 2021|3 min read
Simple Ways to Increase Your TSP Savings
November 24th, 2021|4 min read
2021 End-of-the-Year Financial Checklist
November 19th, 2021|5 min read
How Big of a Threat Is Inflation Now?
November 10th, 2021|3 min read
What to Know If You Decide to Retire from AT&T Early
November 3rd, 2021|6 min read
What to Do If You Have Too Much Cash
October 27th, 2021|5 min read