Do you ever find yourself worrying if you will have funds available to make it to your next paycheck?

Or, are you the type who tracks every expense and knows exactly how much you have and how much you will need to get through each month?

Cali Gillespie

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If you are working toward or interested in saving more, you may be wondering where to start.

Perhaps you…

• Received a bonus or a raise and need guidance on how to save or invest the additional cash;

• Have a tax refund coming to you; or

• Want to consider ways to save more this year.

Whatever the case, it is important to set your intentions and establish good habits to ensure you save for your financial goals.

Cali Gillespie

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With even the most comprehensive financial planning, there is no way to avoid unforeseen circumstances. When you encounter unexpected expenses, you often must be flexible and act promptly. It can be difficult to adapt without veering off course.

Being prepared to handle an unexpected expense can help you stay on track despite experiencing upheaval and uncertainty.

This checklist covers the key issues to consider when you must fund an unexpected expense. It addresses:

Cali Gillespie

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You may have unique circumstances that could result in a distribution from a Roth IRA being taxed or penalized. Many of these situations rarely come up, which makes it hard to remember the usual distribution rules from a Roth IRA.

To help make this easier, we are offering the “Will A Distribution From My Roth IRA Be Tax & Penalty-Free?” flowchart. This flowchart helps to quickly identify circumstances that could have an impact on how a distribution is taxed (and penalized). It considers the following:

Cali Gillespie

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