December 2014


Four Questions to Ask Before You Open Your Wallet 
Even if you're generally comfortable with how much you spend, you may occasionally suffer from a case of buyer's remorse or have trouble postponing a purchase in favor of saving for a short- or long-term goal. Here are a few key questions to consider that might help you fine-tune your spending.       More Details

Helping Your Parents Manage Their Finances 
As parents age, their ability to manage their own finances may decline. That can make it more likely that they may neglect the life savings they've worked so hard to accumulate, or make costly mistakes with them. How can you help?

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Importance of Timing a Roth IRA Conversion: An Example 
Conventional wisdom holds that if you convert a traditional IRA to a Roth IRA, you should never pay the conversion taxes with assets from the traditional IRA. It's also conventional wisdom that converting a traditional IRA to a Roth IRA is tax neutral so long as income tax rates remain the same at the time of conversion and after retirement. But there's one scenario where conventional wisdom may not apply.  More Details

How can college students save and spend money wisely? 
If you're a new college student, it can be overwhelming to figure out how to save and spend money wisely. However, if you take time to plan, you won't have to worry about spending money carelessly.

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I'm having trouble paying my student loans. Do I have any options? 
If you or someone you know is having difficulty paying back student loans, take a look at the government's three income-driven repayment plans. These plans--available only for federal student loans, not private loans--are designed to make your student loan debt more manageable by reducing your monthly payment.   More Details

This information is not intended to be tax or legal advice. It is provided for your education only by Pennytree Advisers, LLC. Individual circumstances may vary.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2014.

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