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Financial moves for women business owners
If you’re a woman who owns a business, you may have some challenges not shared by your male peers – but you also have several opportunities to help improve your financial future. You may already be taking some or all the right steps, but here are some ideas to be sure you’re considering and revisiting as your business grows: Refresh your network. Are you involved in networking with other women business owners? Many of them may have insights into the issues women face in the business world, as well as
What does retirement security mean to you?
October is National Retirement Security Month. But what does retirement security mean to you? And how can you work toward achieving it? Here are some suggestions: Build your resources. While you’re working, save in tax-advantaged accounts such as your IRA and 401(k) or similar employer-sponsored retirement plan. In your 401(k), contribute at least enough to earn your employer’s match, if one is offered, and increase your contributions whenever your salary goes up. Remember, especially early in your
Prepare yourself financially for illness … just in case
All of us hope to live long, healthy lives, so we do what we can to take care of ourselves through proper diet, exercise and avoiding unhealthy activities. However, none of us can predict our future, so it pays to be prepared for anything – including a serious physical illness or the onset of some type of mental incapacity, such as Alzheimer’s disease. Of course, you may never face these infirmities, but you should be aware that they could upset your long-term financial strategy and place considerable
Should you buy term insurance and invest the difference?
If you have children or other loved ones who depend on your financially, you need life insurance – no question about it. And you’ll need an amount that can enable your family members to continue their lifestyle if you aren’t around. But there may be less certainty about what type of insurance you should purchase: term or permanent. And the issue can cause even more confusion if you’ve heard the phrase: “Buy term and invest the difference.” What does this mean? And is it good advice? First, let’s review the
Free Books on Retirement Planning and Distribution
Retirement has changed as should the way you save. In my over 28 years of experience helping people plan for and implement retirement planning strategies, I have seen my fair share of changes. With the current, almost 28 trillion debt and the looming tax increase in 2026 rethinking how you save for retirement and how you take distributions from your retirement plans is critical to your retirement success. To help, I have two books that can help you both written by financial leader and author Martin H. Ruby,
Nine to Know
The fear of running out of money in retirement is listed as the greatest concern in retirement. It is easy to understand as the variables are many. Inflation, taxes, the solvency of Social Security, and the fluctuation of the stock market. Having a plan is critical to your success. Most people have a portfolio of investments, but what I want to help with is a plan that helps you understand how to best minimize the risks of each of the listed above. I have a new program that gives you a benchmark of where
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