Newsletters

July

• Will You Pay a Medicare Surcharge?

  The standard monthly Part B premium is $185 in 2025, but premiums for both Part B and Part D can vary based on income levels.

• Peer-to-Peer Payments Are Popular, but Be Careful

  Making a peer-to-peer (P2P) payment is a convenient way to transfer money to family, friends, or businesses — these precautions can help avoid costly mistakes.

• Important Tax Breaks for Pass-Through Businesses

  Some owners of pass-through businesses may be able to deduct up to 20% of their qualified business income and/or take generous deductions for investing in qualified property.

June

• Life Insurance in Retirement

  Life insurance might not seem necessary for retirees or those close to retirement, but there are situations where coverage may make sense.

• Catch Up for a More Comfortable Retirement

  Only a third of U.S. workers age 50 and older feel they are on track to enjoy a comfortable retirement, but there are opportunities to build substantial savings late in a working career.

• Look Out for Observation Care

  The use of observation care, during which a patient may be in a hospital room with hospital services but is not officially admitted, has raised concerns for both patients and providers.

May

• Debt After Death: What Happens to Debt When Someone Dies?

  This article provides an overview of how debts are settled after the death of a loved one.

• Playing Fair: New Consumer Protections for Airline Passengers

  Thanks to a new federal law and rules issued by the U.S. Department of Transportation, airline passengers could have extra consumer protections.

• QLACs: Your Retirement Accounts Can Act Like Pensions

  With a qualified longevity annuity contract, or QLAC, a retiring worker can use a portion of their tax-deferred savings to set up a lifetime income stream that begins at an older age.

• Concerned About Cyberattacks? The Threat Is Real

  Small businesses that handle potentially sensitive information about customers, employees, or competitors should be proactive about addressing this risk.

April

• Breaking Down the Numbers: The Soaring U.S. National Debt

  As of March 2025, the U.S. national debt was a record $36.21 trillion, while the 2024 deficit of $1.83 trillion was the third-highest on record.

• Cancer Happens: Insurance Can Help Fortify Your Finances

  Although it’s scary to consider the possibility of a cancer diagnosis, it might be helpful to prepare for the financial implications.

• Traditional or Roth Contributions? Think It Through for Future You

  When a workplace retirement plan offers both Traditional and Roth accounts, it may help to understand their key features and distinctions.

• The Four-Day Workweek: Is It Destiny or a Distant Dream?

  Wider use of artificial intelligence is one reason that the prospect of a four-day workweek (with no loss in pay) is now being taken seriously by companies around the world.

March

• HOT TOPIC: Tariffs: How They Work and Potential Economic Effects

  During the first two weeks of February, President Trump authorized two major tariff actions, with more likely to come. This Special Report explains tariffs and how they might affect the U.S. economy.

• Key Retirement and Tax Numbers for 2025

  This article outlines some important IRS cost-of-living adjustments for 2025.

• Phased Retirement Can Help Smooth the Transition

  The article explains why a phased retirement program can be a positive experience for employees, employers, and customers.

• Could There Be a Shift from Growth to Value?

  While growth stocks have dominated the market for the last two decades, some analysts believe there could be a shift to value stocks, which have outperformed for much of the market’s history.

• Read a Good Beige Book Lately?

  The Federal Reserve’s Beige Book provides a concise narrative overview of the economy in each of the 12 Federal Reserve Bank Districts and is readily available to the public.

February

• HOT TOPIC: The Social Security Fairness Act Increases Benefits for Millions

  This article explains what will be changing and who can expect to receive higher Social Security benefits due to the Social Security Fairness Act.

• Financial Safety Nets: Exploring Available Sources of Emergency Funds

  Nearly 60% of U.S. adults are uncomfortable with their level of emergency savings. Here are some potential ways to access funds.

• What’s New for 2025?

  This article outlines changes that may affect retirement savings, health-care costs, air travel, and consumer credit.

• Indexed Annuities: Potential for Growth with Some Downside Protection

  This article provides an overview of indexed annuities.

• Is Tip Fatigue Wearing You Out?

  Tipping culture is changing, and consumers are feeling uneasy about where, when, and how much to tip.