Clocktower Financial

Insights

For Individuals

Term Life Insurance 101

There are many different approaches to calculating the ‘right’ life insurance amount. No two people will be the same but the following guidelines will help shape your discussions.

Make the Most of Your Employee Benefits During Open Enrollment

Annual open enrollment is your time to assess and learn about the resources available to you through your employer. Consider what the next year will be like for you and your family as you consider your options.

Common Healthcare Savings Accounts

Review the benefits and drawbacks of the most common healthcare savings accounts, including Health Savings Accounts (HSA) and Flexible Spending Arrangements (FSA).

How to Improve a Failed Retirement Plan

Building a retirement and income plan is a process, not a single test. Each iteration is only a snapshot dependent on the market environment and assumptions used at that moment in time. Planning for retirement is an ongoing exercise that can and should be repeated at least yearly.

The Six Retirement Risks

Whether you are four decades, four years, or four weeks from retirement, it is beneficial to understand the major risks that can derail a hopeful retiree. Part of laying out a comprehensive retirement plan involves structuring your savings, income, and future legacy in a way that will remain robust through changing market conditions and lifestyle needs.

The "We're Expecting" Financial Checklist

Having a baby can be a transformational time for you and your family. It can also transform your finances so anticipating upcoming challenges can make the whole experience a little easier.

You Should Probably Be Rooting for a Market Crash

For younger Americans, the stock market has been presented during the last few years as a supposedly 🍅Certified Fresh 🍅 way to gain a leg up in life. However, in reality, what it has been is a mostly anxiety-inducing roller coaster of gains and losses for most of their adult life.

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