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# David Lerner Associates

The Sensible Middle Ground of Investing

## Sitemaps

- [XML Sitemap](https://www.davidlerner.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Financial Independence in Retirement: How to Turn Savings Into Reliable Income](https://www.davidlerner.com/newsroom/article/financial-independence-in-retirement-how-to-turn-savings-into-reliable-income) - Most people spend their working lives chasing a retirement number. But a number in an account does not pay your bills. Reliable retirement Income does.
- [The 35th Annual David Lerner Associates 5K Supports Long Island Police](https://www.davidlerner.com/newsroom/article/2026-david-lerner-associates-long-island-police-appreciation-run-eisnehower-park) - More than 200 runners participated in the 2026 David Lerner Associates Long Island Police Appreciation Run at Eisenhower Park, which supports the Police Crisis Fund.
- [Passing Down More Than Money: Intergenerational Wealth Transfer vs Wealth Behavior](https://www.davidlerner.com/newsroom/article/intergenerational-wealth-transfer_wealt-behavior) - Intergenerational wealth transfer is underway — but assets alone may not be enough. Explore how financial habits and legacy planning can work together.
- [Why Waiting to Invest Can Be the Most Expensive Mistake You Can Make](https://www.davidlerner.com/newsroom/article/waiting-to-invest-gen-z) - The earlier you start investing, the more time compound growth has to work in your favor. Discover how young adults can start small and plan ahead.
- [How to Make the Most of Your Mid-Year Financial Check-In](https://www.davidlerner.com/newsroom/article/2026-mid-year-financial-check-in) - Remember those goals made in January? June is a good month to close the gap between intention and action. Review your mid-year financial check-in.
- [Life Insurance Coverage: What Most Financial Plans Are Missing](https://www.davidlerner.com/newsroom/article/life-insurance-for-young-adults) - Leaving life insurance out of your financial plan can leave your family vulnerable. Discover why life insurance for young adults can be a smart move.
- [The Biggest Money Mistakes in Your 20s and How to Avoid Them](https://www.davidlerner.com/newsroom/article/biggest-money-mistakes-in-your-20s) - Your 20s are the decade where financial habits often form. Money mistakes made in early adulthood can affect your financial future.
- [Bill Seeks to Fix Roth Rollover Glitch](https://www.davidlerner.com/newsroom/article/bill-seeks-to-fix-roth-rollover-glitch) - The Retirement Rollover Flexibility Act aims to correct a U.S retirement-savings glitch. While traditional IRA assets can be rolled into a new employer's plan if allowed, Roth IRA assets cannot.
- [Memorial Day Spending: What Start of Summer Costs Reveal About Financial Readiness](https://www.davidlerner.com/newsroom/article/memorial-day-spending-start-of-summer-costs-financial-readiness) - Memorial Day marks the start of summer spending. Learn how seasonal travel, home projects & entertainment costs can affect long term retirement readiness
- [New Rules of Financial Independence:  What Gen Z Graduates and Their Parents Need to Know](https://www.davidlerner.com/newsroom/article/gen-z-financial-independence) - Post-grads face new realities as they navigate financial independence. Learn about changing Gen Z dynamics, money frameworks, and how to approach family financial conversations.
- [The Financial Legacy Conversation Families Should Have Before Mother’s Day](https://www.davidlerner.com/newsroom/article/financial-legacy-conversation-families-mothers-day) - Mother's Day can be a meaningful time to discuss financial legacy, caregiving plans, and retirement challenges women face before critical decisions arise.
- [The Encore Entrepreneur: Older Americans Starting Small Businesses in Retirement](https://www.davidlerner.com/newsroom/article/the-encore-entrepreneur-older-americans-small-businesses-retirement) - For Small Business Week, retirees represent a growing population of entrepreneurs. Learn about tactics as an encore entrepreneur to stay active & supplement income during retirement.
- [Life Insurance with Long-Term Care Benefits: Preparing for the Possibility of Chronic Care](https://www.davidlerner.com/newsroom/article/life-insurance-long-term-care-benefits-chronic-care) - Older Americans Month is a good time to evaluate how life insurance with long-term care benefits can help cover nursing homes or in-home care.
- [Early Retirement: Hidden Risks and Costs You Shouldn’t Overlook](https://www.davidlerner.com/newsroom/article/hidden-early-retirement-risks-and-costs-you-shouldnt-overlook) - Early retirement can carry underestimated financial costs. Evaluate hidden risks for Social Security, healthcare, and your investment portfolio.
- [Saving for Retirement—But Not at the Expense of Living Today](https://www.davidlerner.com/newsroom/article/saving-for-retirement-2) - Learn how to strike a balance between saving for retirement but not at the expense of living fully today while you're healthy and active.
- [Legacy Planning for Blended Families: Reevaluating Your Financial Picture](https://www.davidlerner.com/newsroom/article/legacy-planning-blended-families-financial-planning) - Blended families introduce financial complexity that traditional planning often do not account for. Learn about legacy planning for blended families.
- [Life Insurance Decisions: One of the Most Important Financial Choices You Will Make](https://www.davidlerner.com/newsroom/article/life-insurance-coverage-needs-seniors) - Older Americans Month is a good time to review life insurance coverage needs. Learn how to determine the right policies to protect family & long-term goals.
- [What Older Americans Month Reveals About the New Reality of Retirement](https://www.davidlerner.com/newsroom/article/what-older-americans-month-reveals-about-the-new-reality-of-retirement) - Older Americans Month highlights how retirement is changing. Learn why many older adults work longer & how longevity is reshaping retirement decision
- [The Step-Up In Basis Rule: What to Know When Estate Planning](https://www.davidlerner.com/newsroom/article/step-up-in-basis-rule-when-estate-planning) - Understanding the Step-Up In Basis rule can be one of the most powerful levers in an estate plan. Explore strategies for creating your legacy plan.
- [Staying the Course: Navigating Market Uncertainty in Investment Planning](https://www.davidlerner.com/newsroom/article/market-uncertainty-investment-planning) - Learn the role of diversification, time horizon and risk in your investment planning that can help you keep towards your goals during market uncertainty.
- [Life Insurance in Retirement: Do You Still Need It?](https://www.davidlerner.com/newsroom/article/life-insurance-in-retirement-do-you-still-need-it) - Carrying life insurance in retirement depends on your specific financial picture, your obligations, and what the policy itself has accumulated.
- [David Lerner Associates Donates $20,000 to Support Police Officers and Their Families](https://www.davidlerner.com/newsroom/article/david-lerner-associates-35th-annual-long-island-police-appreciation-run-police-crisis-fund) - David Lerner Associates presented a check to Greater Long Island Running Club as a sponsor of the 35th Annual Long Island Police Appreciation Run at Eisenhower Park.
- [Tax-Smart Retirement Strategies for 2026](https://www.davidlerner.com/newsroom/article/obbba-tax-strategies-2026-deductions) - New tax benefits for 2026 under OBBBA provisions. Explore deduction strategies, Roth conversions and RMD tactics for tac planning for retirement.
- [ABLE Accounts Explained: Financial Literacy for Americans with Disabilities and Veterans](https://www.davidlerner.com/newsroom/article/able-accounts-financial-literacy-disabilities-and-veterans) - ABLE accounts help Americans with disabilities and veterans save without losing benefits. Learn who qualifies and why these accounts matter.
- [The Midlife Money Pivot: Why Your 50s and 60s are Essential for Retirement Planning](https://www.davidlerner.com/newsroom/article/the-midlife-money-pivot-50s-and-60s-retirement-planning) - The midlife money pivot helps align income, savings & goals during your 50s and 60s, a critical period for retirement preparation.
- [Don’t Avoid Long-Term Care Planning: Why Ages 50–60 Are a Critical Window](https://www.davidlerner.com/newsroom/article/dont-avoid-long-term-care-planning-ages-50-60-2026) - Long-term care planning in your 50s and 60s helps protect savings & prepare for future needs before coverage options become limited.
- [Financial Literacy and Smart Money Decisions](https://www.davidlerner.com/newsroom/article/financial-literacy-and-smart-money-decisions-economy) - Financial literacy strengthens smart money decisions, supports personal stability & contributes to broader economic health across communities.
- [Long-Term Care: The Policy You Hope You Never Use but Really Need to Understand](https://www.davidlerner.com/newsroom/article/long-term-care-policies) - Learn why it’s vital to understand long-term care policies to protect your retirement income including premiums, extent of coverage, and eliminations periods.
- [Renting vs. Owning in the New Housing Reality: What It Means for Retirement](https://www.davidlerner.com/newsroom/article/renting-vs-owning-in-the-new-housing-reality-what-it-means-for-retirement) - Planning for retirement while navigating the current housing market. Learn different considerations for renting vs. owning in 2026.
- [5 Pillars of Financial Literacy: A Framework for Managing Money & Building Long-Term Stability](https://www.davidlerner.com/newsroom/article/5-pillars-of-financial-literacy-a-framework-for-managing-money-building-long-term-stability) - These pillars of financial literacy provide a clear framework for managing money, building stability & making informed decisions at every stage of life.
- [Long-Term Care vs. Life Insurance: Understanding Differences and How They Work Together](https://www.davidlerner.com/newsroom/article/long-term-care-vs-life-insurance) - Discover how long-term care and life insurance work, how they differ and strategies that can be used together for legacy planning.
- [Financial Literacy and Retirement: The Knowledge That Could Change Your Future](https://www.davidlerner.com/newsroom/article/financial-literacy-and-retirement-knowledge-future) - April is Financial Literacy Month. Learn how increasing your financial literacy can positively affect your retirement security by understanding concepts of inflation, debt, and more.
- [Financial Spring Cleaning: Why Annual Financial Refresh Can Secure Your Retirement](https://www.davidlerner.com/newsroom/article/financial-spring-cleaning-annual-financial-refesh-retirement-2026) - Each April, refresh how you manage your money with a financial spring cleaning. Go through financial records, estate planning, and investment planning.
- [IRS Issues 2026 List of Tax Scams](https://www.davidlerner.com/newsroom/article/irs-2026-tax-scams) - The IRS recently released its annual Dirty Dozen list of tax scams for the 2026 tax season. Notable developments are scams involving AI and new IRS rules.
- [Asset Management Awareness Month: What Does It Mean for Individual Investors?](https://www.davidlerner.com/newsroom/article/asset-management-awareness-month-what-does-it-mean-for-individual-investors) - Asset Management Awareness Month explains how coordinated oversight helps individual investors align assets with goals and make informed long-term decisions.
- [Social Security 2026: What the 2.8% COLA Really Means](https://www.davidlerner.com/newsroom/article/social-security-2026-what-the-2-8-cola-really-means) - The 2026 Social Security COLA is 2.8%. Learn claiming strategies involving delayed retirement credits, Medicare, and more.
- [Cost of Healthcare in Retirement (2026 Edition)](https://www.davidlerner.com/newsroom/article/cost-of-healthcare-retirement-2026-medicare) - Medicare Part B premiums rose for 2026. Understand rising healthcare costs and how to plan for medical expenses in retirement.
- [Building a Retirement Income Portfolio That Can Last](https://www.davidlerner.com/newsroom/article/building-a-retirement-income-portfolio-that-lasts) - Turn your retirement savings into reliable monthly retirement income. Explore income solutions for sustainable retirement cash flow.
- [Maximizing Your 2026 Retirement Contributions](https://www.davidlerner.com/newsroom/article/maximizing-your-2026-retirement-contributions) - Learn about 2026 retirement contributions for 401(k)s and IRAs, including the super catch-up provision for ages 60-63 and contribution limitations.
- [Equal Pay Day: How Income Inequality Affects Retirement Outcomes](https://www.davidlerner.com/newsroom/article/equal-pay-day-income-inequality-retirement-outcomes) - Equal Pay Day examines how income inequality compounds over time, influencing savings potential and shaping long-term retirement outcomes.
- [David Lerner Associates Honors Two Police Officers and Their Families Through Difficult Times](https://www.davidlerner.com/newsroom/article/david-lerner-associates-long-island-police-crisis-fund) - Two NCPD officers were honored at a David Lerner Associates ceremony, Officer Sean Ledwith and Officer Patricia Espinosa, who had unexpectedly passed away.
- [The Sandwich Generation Dilemma: How to Save for Retirement While Caretaking](https://www.davidlerner.com/newsroom/article/sandwich-generation-retirement-caretaking) - The Sandwich generation retirement planning strategies. Save for retirement while caring for aging parents and supporting children.
- [Asset Management Awareness Month: Reviewing Through Life Changes](https://www.davidlerner.com/newsroom/article/asset-management-awareness-month-life-changes-asset-review) - Asset Management Awareness Month highlights why career shifts, retirement, and inheritance should prompt a timely review of your assets & strategy
- [Budgeting for Kids: Why Financial Education Should Start Before the First Paycheck](https://www.davidlerner.com/newsroom/article/global-money-week-financial-education-budgeting) - Global Money Week explores why early exposure to budgeting, saving & responsible choices builds confidence in money decisions for children and teens.
- [National Credit Education Month: Debunking Common Credit Myths](https://www.davidlerner.com/newsroom/article/national-credit-education-month-credit-myths) - National Credit Education Month breaks down common credit myths and explains how misunderstandings about balances & scores can slow financial progress
- [Global Money Week: Teaching Kids and Teens Smart Money Habits That Last a Lifetime](https://www.davidlerner.com/newsroom/article/global-money-week-teaching-kids-teens-smart-money-habits) - Global Money Week focuses on simple and easy ways to teach kids and teens saving, spending & goal-setting skills that support lifelong habits
- [Infographic: Where Inflation Has Hit the Hardest, 2000-2025](https://www.davidlerner.com/newsroom/article/inflation-history-consumer-pricing-goods) - Affordability remains a sticky issue in the U.S. Learn the cumulative rate of inflation across key goods and services in the U.S. between 200 and 2025.
- [Back in Session: The College Savings Reality Check](https://www.davidlerner.com/newsroom/article/college-savings-529-plans-families) - College savings strategies for 2026. Learn about 529 plans, tax benefits, and smart financial planning to help pay for your child's education without sacrificing retirement.
- [Taxes, Retirement, and Long-term Strategy: How Early Tax Preparation Supports You](https://www.davidlerner.com/newsroom/article/taxes-retirement-long-term-early-tax-preparation) - With tax season approaching, learn how early tax preparation supports long-term financial goals, portfolio decisions and retirement planning.
- [The Retirement Rundown: Is Your Plan Ready for 2026?](https://www.davidlerner.com/newsroom/article/retirement-rundown-plan-2026) - Retirement planning checkup for 2026. Review strategies to maximize contributions, Social Security, and healthcare planning.
- [Raising Money-Smart Kids: Financial Literacy Lessons for Every Age](https://www.davidlerner.com/newsroom/article/money-smart-kids-financial-literacy-lessons) - Teaching kids about money in 2026. Age-appropriate financial literacy lessons to raise financially confident children.
- [Beyond the Will: Essential Estate Planning Documents You Can't Ignore](https://www.davidlerner.com/newsroom/article/wills-essential-estate-planning-documents) - Essential estate planning documents. Learn about power of attorney, healthcare proxy, living wills, and beneficiary designations to protect your family.
- [Tax Season Ahead! How to Organize in February](https://www.davidlerner.com/newsroom/article/tax-season-2026-tax-planning) - Getting ahead of tax season starts now. Learn how preparing documents, deductions & contributions can reduce stress in April.
- [February Insurance Maintenance: Tuning Up Your Coverage to Fit Your Needs](https://www.davidlerner.com/newsroom/article/february-insurance-coverage-review) - Assess your insurance coverage by reviewing current plans including for vehicles, home and health and aligning them with your financial needs.
- [What to Know: Paper Tax Refund Checks Phased Out by IRS](https://www.davidlerner.com/newsroom/article/paper-tax-refund-checks-irs) - The IRS is phasing out paper tax refund checks for individual taxpayers for the 2026 federal tax filing season towards fully electronic federal payments.
- [Applying Presidential Discipline to Your Personal Finances](https://www.davidlerner.com/newsroom/article/presidents-day-discipline-personal-finances) - This Presidents' Day, reflect on past U.S presidents and see how their legacy can apply to smart budgeting, debt control & long-term stability.
- [Love and Money: How Couples Can Strengthen Their Financial Habits Together](https://www.davidlerner.com/newsroom/article/love-and-money-how-couples-can-strengthen-their-financial-habits-together) - Discover how couples can build financial trust, open communication, and strong money habits in their relationship this Valentine's Day.
- [Step-by-Step: How Small Money Habits Can Create Long-Term Financial Confidence](https://www.davidlerner.com/newsroom/article/small-money-habits-financial-confidence) - Small actions in your routine can build long-term financial confidence. Learn how small money habits support lasting security at any age.
- [Intention Over Expense: A Smarter Way to Do Valentine’s Day](https://www.davidlerner.com/newsroom/article/intention-expense-valentines-day) - Learn smart ways you can celebrate Valentine’s Day meaningfully while sticking to your long-term financial planning.
- [Making the Most of Your Pension: Smart Strategies For Your Retirement Income](https://www.davidlerner.com/newsroom/article/pension-smart-strategie-retirement-income) - Learn about pension planning, how to coordinate with Social Security and ways to maximize your retirement income.
- [Financial Literacy: The Key to Long-Term Wellness](https://www.davidlerner.com/newsroom/article/financial-literacy-the-key-to-long-term-wellness) - Learn how financial literacy helps you to build financial confidence, work towards long-term goals, and manage money effectively.
- [Planning for Your Future: From Financial Goals to Reality](https://www.davidlerner.com/newsroom/article/planning-future-financial-goals-2026) - Setting goals and financial planning for 2026. Transform informal plans into concrete strategies for retirement, major purchases, and long-term wealth building.
- [Digital Awareness for Retirees: Keeping Your Financial Information Secure Online](https://www.davidlerner.com/newsroom/article/digital-awareness-for-retirees-keeping-your-financial-information-secure-online) - Retirees are often a target for digital scams. Data Privacy Week is a chance to check up online safety and increase digital awareness.
- [Safe At Home: Safeguarding your Workspace and Digital Security](https://www.davidlerner.com/newsroom/article/safe-at-home-safeguarding-your-workspace-and-digital-security) - Working from home has become a normal part of daily life for many households, and with that shift comes new responsibilities. Your home office is more than a workspace. It stores personal information, financial records, and digital tools that you rely on every day. Protecting it should be part of your overall financial wellness routine
- [Data Privacy Week: How Oversharing Online Can Cost You Your Data](https://www.davidlerner.com/newsroom/article/data-privacy-week-oversharing-personal-information) - Data Privacy Week reminds you to guard your personal information. Learn how online habits, passwords & account protection reduce financial risks.
- [The Relationship Money Talk: Managing Finances as a Couple in 2026](https://www.davidlerner.com/newsroom/article/relationship-money-finances-partnership2026) - Managing finances as a couple in 2026. Learn how to have money conversations and build trust while avoiding common relationship money mistakes.
- [Start the Year Strong: Building a Financial Wellness Routine for 2026](https://www.davidlerner.com/newsroom/article/financial-wellness-routine-2026) - Financial Wellness Month is an opportunity to build steady habits. Learn how budgeting, saving & simple daily choices can strengthen your financial health.
- [Inspiring Financial Change: Lessons from Dr. Martin Luther King Jr on Responsibility and Hope](https://www.davidlerner.com/newsroom/article/financial-lessons-martin-luther-king-jr) - Martin Luther King Jr. Day offers lessons on responsibility & financial empowerment. See how steady habits can strengthen families and communities.
- [Tax-Smart Strategies for the New Year: Maximizing Your 2026 Financial Plan](https://www.davidlerner.com/newsroom/article/tax-smart-strategies-maximizing-2026-financial-plan) - Tax-Smart Strategies for 2026. Learn contribution limits, deduction optimization, HSA benefits, and smart moves to reduce your tax bill throughout the year.
- [Emergency Savings and Debt Management: Creating A Financial Safety System That Works](https://www.davidlerner.com/newsroom/article/emergency-savings-debt-management-building-a-financial-safety-system) - Combine emergency savings & debt management strategies for 2026. Learn how to build financial cushion, eliminate high-interest debt, and avoid financial crisis.
- [Preparing Your Investment Portfolio for 2026: A Fresh Start for the New Year](https://www.davidlerner.com/newsroom/article/investment-portfolio-2026) - 2026 is here. It's time to reassess, rebalance & set goals to help strengthen your investment portfolio for the new year.
- [Growing Health Care Costs: Protecting Your Retirement](https://www.davidlerner.com/newsroom/article/growing-health-care-costs-retirement-savings) - Health care costs are rising. Without proper planning, these costs can eat into retirement savings quickly. Consider these smart strategies.
- [Financial Wellness 101: Building Your Foundation for 2026](https://www.davidlerner.com/newsroom/article/financial-wellness-101-building-your-foundation-for-2026) - Establish a financial wellness foundation for 2026. Learn ways to maintain financial health, reduce stress, and build lasting money habits for the new year.
- [Building Resolve: How to Create Your 2026 Financial Resolutions](https://www.davidlerner.com/newsroom/article/resolve-new-year-financial-resolutions-2026) - After the New Year’s ball drops, don’t drop the ball on your goals. Build your 2026 financial resolutions around sound goals, diversification, and discipline.
- [The 2025 Market Recap: Market Volatility and Key Events](https://www.davidlerner.com/newsroom/article/2025-market-recap-tariffs-inflation-technology) - Wrap up the 2025 market year with recapping key events such as inflation, tariffs, interest rates and AI technology. Learn tips about preparing for 2026.
- [Retirement Planning Resolutions: How to Set Yourself Up for Success in 2026](https://www.davidlerner.com/newsroom/article/2026-retirement-planning-resolutions-success) - Create retirement planning resolutions for 2026. Learn how to review strategies, rebalance portfolios and track progress.
- [Wrapping up 2025: Looking at Market Trends and Financial Resilience](https://www.davidlerner.com/newsroom/article/2025-market-trends-financial-resilience) - Reflect on 2025 market trends such as energy and artificial intelligence. Review the importance of financial resilience heading into 2026.
- [Invaluable Lessons: How To Teach Kids About Money Management During the Holidays](https://www.davidlerner.com/newsroom/article/money-management-generations-holidays) - Discover valuable ways to teach children money management during the holidays. Help them build confidence in their financial decisions through generational lessons.
- [Against the Clock: 10 Financial Actions to Complete Before December 31](https://www.davidlerner.com/newsroom/article/2025-10-financial-actions-december-31) - Help maximize savings, tax efficiency, and retirement planning for the 2025 year with these year-end financial actions.
- [What to Know: 2026 IRA and Retirement Plan Limits](https://www.davidlerner.com/newsroom/article/2026-ira-and-retirement-plan-limits) - Many IRA and retirement plan limits are indexed for inflation each year. Several of these key numbers have increased once again regarding 2026 IRA limits.
- [Giving Back Wisely: How Charitable Giving Can Support Your Tax Strategy](https://www.davidlerner.com/newsroom/article/giving-back-wisely-charitable-giving-tax-strategy) - Evaluate how year-end charitable giving can reduce taxes and strengthen your tax strategy for 2025. Learn about DAFs, QCDs, and more.
- [Cyber Monday Safety: How to Protect Your Money While Shopping Online](https://www.davidlerner.com/newsroom/article/cyber-monday-safety-online-shopping-fraud) - Understand Cyber Monday safety with steps to protect your money from scams, fraud & identity theft while shopping online.
- [The Role of Bonds and Annuities in a Balanced Retirement Portfolio](https://www.davidlerner.com/newsroom/article/bonds-and-annuities-retirement-portfolio) - Discover how bonds and annuities can provide predictability, stability, and peace of mind in retirement portfolio.
- [Stop the Snowball: How to Manage Credit Card Debt During the Holidays](https://www.davidlerner.com/newsroom/article/stop-the-snowball-strategies-to-keep-down-credit-card-debt-during-the-holidays) - Practice smart spending and healthy debt-management habits during the holidays to minimize snowballing credit card balances and harm long-term financial goals.
- [Federal Tax Deadlines and Important Rules for December 2025](https://www.davidlerner.com/newsroom/article/federal-tax-deadlines-december-2025) - Learn about Federal Tax deadlines for December 2025. Understand updated rules about RMDs and charitable giving to avoid costly mistakes.
- [Understanding IRAs: Contributions, Deadlines & Opportunities for 2025](https://www.davidlerner.com/newsroom/article/2025-ira-contributions-deadlines-opportunities) - As 2025 draws to a close, now is the perfect time to revisit your IRA strategy. Review 2025 IRA contribution limits, deadlines and opportunities.
- [The Gift of Giving: Balancing Holiday Generosity with Financial Goals](https://www.davidlerner.com/newsroom/article/the-gift-of-giving-balancing-holiday-generosity-with-long-term-financial-goals) - Holiday generosity doesn't have to come at the expense of long-term goals. Find ways to give meaningfully while protecting your savings and retirement goal.
- [David Lerner Associates and Running Club Presents Donation to Family of Injured NCPD Officer](https://www.davidlerner.com/newsroom/article/davidlernerassociates-nassau-county-police-donation) - David Lerner Associates and The Greater Long Island Running Club presented Suzanne Hyland a check on behalf of Michael Hyland, an injured Nassau County Police officer.
- [Avoiding Debt Hangover: 4 Smart Ways to Manage Holiday Expenses](https://www.davidlerner.com/newsroom/article/4-smart-ways-holiday-expenses-2025) - During this holiday season, learn ways to spend wisely. Read tips on budgeting, managing credit & avoiding debt from holiday expenses.
- [Black Friday Tips: Smart Shopping and Year-End Savings](https://www.davidlerner.com/newsroom/article/black-friday-tips-smart-shopping-holiday-savings) - Black Friday shopping tips and year-end savings strategies. Learn how to shop smart, avoid debt, and maximize financial benefits during holiday sales.
- [Supporting Small Businesses: Empowering Local Economies and Your Community](https://www.davidlerner.com/newsroom/article/supporting-small-businesses-empowering-local-economies-and-your-community) - Discover how shopping local boosts jobs, strengthens communities and keeps money in your local economy during this Small Business Saturday.
- [The 2025 Year-End Review: A Financial Checklist for Pre-Retirees](https://www.davidlerner.com/newsroom/article/the-year-end-review-a-financial-checklist-for-pre-retirees) - Evaluate your retirement readiness with a year-end review. Learn how to maximize 2025 tax advantages, prepare for expenses and review investment strategies.
- [Is Term Life Insurance a Smart Option for Seniors?](https://www.davidlerner.com/newsroom/article/term-life-insurance-seniors) - Explore whether term life insurance still makes sense for your needs as a senior and how to choose the right coverage.
- [Long-Term Care Planning: Protecting Your Retirement from Healthcare Costs](https://www.davidlerner.com/newsroom/article/long-term-care-planning-3) - Learn the essentials of long-term care planning. Understand costs, insurance options, family conversations, and strategies to protect retirement savings.
- [Budgeting for Inflation: Unpacking the 2026 Social Security COLA](https://www.davidlerner.com/newsroom/article/2026-social-security-cola) - For 2026, the SSA has announced a 2.8% cost-of-living adjustment. Learn what the 2026 Social Security COLA means for your retirement budget.
- [Making the Most of Open Enrollment: A Pre-Retiree’s Guide](https://www.davidlerner.com/newsroom/article/open-enrollment-pre-retirees) - Approaching Medicare age? Open enrollment decisions can help pre-retirees understand their options for healthcare coverage and savings.
- [Black Friday Spending Habits: What They Reveal About Consumer Behavior](https://www.davidlerner.com/newsroom/article/black-friday-spending-habits-consumer-behavior) - See what Black Friday shopping patterns reveal about consumer confidence and the broader economy
- [Common Retirement Mistakes in Your 60s and How to Avoid Them](https://www.davidlerner.com/newsroom/article/common-retirement-mistakes-60s) - Avoid costly and common retirement mistakes in your 60s. Learn about Social Security timing, expense planning and healthcare decisions.
- [How to Turn Savings into Retirement Income](https://www.davidlerner.com/newsroom/article/savings-retirement-income) - Learn how to turn savings into retirement income with proven strategies. Explore tips to create steady paychecks from investments, Social Security, and savings accounts.
- [Women and Wealth Building: Breaking Down the Gender Wealth Gap in 2025](https://www.davidlerner.com/newsroom/article/women-and-wealth-building-breaking-down-the-gender-wealth-gap-in-2025) - Explore how women can overcome financial challenges, close the gender wealth gap, and build long-term financial security through smart planning and investing.
- [Smart Retirement Planning: A Real-World Guide to Financial Security](https://www.davidlerner.com/newsroom/article/smart-retirement-planning-financial-security) - Learn how to build a strong retirement foundation at any age. Explore savings strategies, Social Security, and steps to smart retirement planning.
- [Estate Planning Essentials: Protecting Your Family's Financial Future in 2025](https://www.davidlerner.com/newsroom/article/estate-planning-essentials-in-2025) - Discover estate planning essentials in 2025. Learn about wills, trusts, beneficiary updates, and tax strategies to protect your family's financial future.
- [Retiring in 2026-2027: Your Final Countdown Checklist](https://www.davidlerner.com/newsroom/article/retiring-in-2026-2027) - Thinking about retiring in 2026-2027? Learn about Social Security timing, Medicare enrollment, tax planning, healthcare costs, and portfolio strategies.
- [Millennials and Money: Building Wealth in a Challenging Financial Landscape](https://www.davidlerner.com/newsroom/article/millennials-and-money-2025) - The Millennials and Money guide to financial planning in 2025. Learn strategies for student loans, homeownership, retirement savings, and building wealth.
- [3 Estate Planning Mistakes That Can Derail a Legacy](https://www.davidlerner.com/newsroom/article/estate-planning-mistakes-2025) - Avoid common estate planning mistakes in 2025. Learn how to protect your legacy with updated wills, beneficiary designations, and tax-smart strategies.
- [Elder Fraud Is Growing: Key Risks Facing Retirees Today](https://www.davidlerner.com/newsroom/article/elder-fraud-retirement-cybersecurity) - Learn how to protect your retirement assets from scams and cyber threats. Explore elder fraud prevention tips, and cybersecurity practices
- [Think You’re Ready to Retire? Answer These 3 Questions First](https://www.davidlerner.com/newsroom/article/ready-to-retire-retirement-security) - Is your retirement plan is built to last? This Retirement Security Month, answer these 3 questions to evaluate if may be ready to retire.
- [Your 3-Step Guide to Building a Strong Financial Plan after 50](https://www.davidlerner.com/newsroom/article/financial-plan-after-50) - October is Financial Planning Month. Utilize 3 pillars of a strong financial plan after age 50—budgeting, investing, and insurance—to help sure a sound future.
- [One Big Beautiful Bill Act and the Small Business Owner](https://www.davidlerner.com/newsroom/article/obbba-small-business-united-states) - The One Big Beautiful Bill Act (OBBBA) includes several provisions that affect small business owners. Here are five specific changes to pay close attention to.
- [The Fed Lowers Rates in an Economic Balancing Act](https://www.davidlerner.com/newsroom/article/fed-lowers-rates-economy-jobs-fomc-2025) - The Federal Reserve's Federal Open Market Committee (FOMC) lowered the target range for the benchmark federal funds rate— the first rate cut in nine months.
- [Planning Ahead: What Long-Term Care Costs Could Mean for Your Retirement](https://www.davidlerner.com/newsroom/article/long-term-care-retirement) - This Long-Term Care Planning Month, learn how rising long-term care costs could impact your retirement. Explore insurance, savings, and protection strategies.
- [Considering Life Insurance: What to Know as a Senior](https://www.davidlerner.com/newsroom/article/life-insurance-considerations-seniors-retirement) - Learn how life insurance supports financial goals in retirement and why it's still relevant for seniors
- [Major Financial Regrets Among Seniors & How You Can Avoid Them](https://www.davidlerner.com/newsroom/article/major-financial-regrets-seniors-retirement) - Perspectives on money often shifts through life. Learn from senior financial regrets and make better decisions to protect your future and loved ones.
- [Life Insurance for Older Adults: 5 Reasons It Still Matters](https://www.davidlerner.com/newsroom/article/life-insurance-older-adults-seniors) - The right coverage can still support your goals well into retirement. Discover 5 key reasons why life insurance can remain valuable well into your senior years.
- [Life Insurance Basics: Protecting Your Family's Financial Future](https://www.davidlerner.com/newsroom/article/life-insurance-basics-coverage) - Learn life insurance basics to protect your family's financial future. Understand coverage types, costs, and how much you nee
- [Protecting Seniors from Financial Scams: What You Need to Know](https://www.davidlerner.com/newsroom/article/protecting-seniors-from-financial-scams-what-you-need-to-know) - Older adults are facing rising threats from financial scams as we lean more and more into a digital existence. Scammers have become more sophisticated, and they target seniors with schemes that can cost thousands of dollars and erode a lifetime of hard-earned savings. The FBI’s 2024 Elder Fraud Report noted that Americans over age 60
- [Mind the Gap: Getting Ready for What Life Insurance Might Not Cover](https://www.davidlerner.com/newsroom/article/life-insurance-coverage-limits) - Explore different aspects of what life insurance may not cover and how to prepare for those gaps in your financial strategy.
- [Closing the Coverage Gap: Why Women Can’t Afford to Wait](https://www.davidlerner.com/newsroom/article/women-life-insurance-gender-gap) - Women face unique challenges with life insurance coverage. Learn why women need protection and how to overcome common barriers.
- [5 College Savings Mistakes That Could Cost You Thousands](https://www.davidlerner.com/newsroom/article/5-college-savings-mistakes-that-could-cost-you-thousands) - Avoid common college savings mistakes that could cost your family thousands. Learn the right strategies for education planning.
- [One Big Beautiful Bill Act: Senior Deduction Explained](https://www.davidlerner.com/newsroom/article/obbba-senior-deduction) - As part of the Big Beautiful Bill Act, seniors can take advantage of a new $6,000 tax deduction that may help them cover the rising costs of housing, health care, and daily living by potentially allowing more of their income to remain untaxed.
- [College Costs Keep Rising: How to Stay Ahead of Education Inflation](https://www.davidlerner.com/newsroom/article/college-costs-keep-rising-how-to-stay-ahead-of-education-inflation) - College costs are rising faster than inflation. Learn how to plan and save effectively for your child's education expenses.
- [529 Plans Made Simple: Your Guide to Tax-Free College Savings](https://www.davidlerner.com/newsroom/article/529-plans-tax-free-college-savings) - Learn how 529 plans can prepare your child's education for college savings with tax advantages and flexible options.
- [Supercharge Your Savings in Your 40s and 50s: A Strategic Guide](https://www.davidlerner.com/newsroom/article/supercharge-savings-50s-60s-financial-goals) - Many people see their income peak in their 40s and 50s. Learn how to boost your savings during these years and stay on track for your financial goals.
- [4 Investment Strategies to Boost Financial Awareness](https://www.davidlerner.com/newsroom/article/national-financial-awareness-day-investment-strategies) - Financial Awareness Day is a reminder to control of your financial future. Explore 4 practical investment strategies to boost your financial awareness.
- [Caregiving And The Impact On Women’s Long-Term Financial Health](https://www.davidlerner.com/newsroom/article/caregiving-womens-financial-health) - Explore how caregiving impacts women’s financial health and what steps you can take to stay on track
- [Smart Investing Strategies for Seniors: Making the Most of Retirement](https://www.davidlerner.com/newsroom/article/smart-investing-for-seniors-retirement) - Discover tips for smart investing for seniors that can help you preserve and grow your nest egg during retirement.
- [Should You Pay Off Your Mortgage Before Retirement?](https://www.davidlerner.com/newsroom/article/mortgage-before-retirement) - Understanding the trade-offs for paying off your mortgage before retirement can help you make the right decision for your future.
- [How Seniors Can Use Estate Planning to Leave a Legacy, Not a Mess](https://www.davidlerner.com/newsroom/article/seniors-estate-planning-legacy-wealth) - Help protect your legacy and guide the next generation with practical estate planning tips for older Americans.
- [Your Legacy: Why Leaving More Than Money Matters](https://www.davidlerner.com/newsroom/article/your-legacy-money-matters-august) - Discover how legacy planning includes your values, stories, and financial acumen to create a lasting impact for future generations.
- [Aging in Place vs. Assisted Living: The Financial Considerations](https://www.davidlerner.com/newsroom/article/aging-in-place-vs-assisted-living-the-financial-considerations) - Aging in Place vs. Assisted Living: Compare costs, benefits, and strategies for a secure retirement.As you plan for your later years, one of the biggest decisions you may face is where to live. Many older Americans prefer to stay in their own homes or downsize to an apartment or smaller home, a concept known as aging in place. Others opt for assisted living, which refers to specialized elderly care
- [How Inflation Affects Retirement Savings (And What You Can Do About It)](https://www.davidlerner.com/newsroom/article/how-inflation-affects-retirement-savings-and-what-you-can-do-about-it) - Protect your retirement savings from inflation with smart investments, spending habits & and income strategies.
- [Financial Awareness: Teaching the Next Generation About Smart Money Choices](https://www.davidlerner.com/newsroom/article/financial-awareness-generations-smart-money-choices) - On this Financial Awareness Day, teach your kids smart money habits to set them up for long-term financial success at any stage of life.
- [Smart Ways Grandparents Can Help Fund Their Grandchild’s Education](https://www.davidlerner.com/newsroom/article/grandparents-funding-grandchilds-education) - Explore how grandparents can support their grandchild’s education —from 529 plans and tuition payments to student loan help and gifting strategies.
- [Financial Awareness: The Foundation of a Secure Retirement](https://www.davidlerner.com/newsroom/article/financial-awareness-retirement) - Discover how financial awareness enhances your retirement planning. Key insights on Social Security, risk, and working with an investment counselor.
- [Preparing for Retirement in Your 50s and 60s: What to Prioritize Now](https://www.davidlerner.com/newsroom/article/preparing-for-retirement-2) - In your 50s and 60s, preparing for retirement can start to feel more real. Small, strategic moves now can make a big difference later.
- [Retirement Savings Basics: Start Now for a Secure Future](https://www.davidlerner.com/newsroom/article/retirement-savings) - Learn the fundamentals of retirement savings and how to build a secure financial future with simple, effective strategies.
- [Gen Z 401(k) Mistakes That Cost Thousands in Future Retirement](https://www.davidlerner.com/newsroom/article/401k-mistakes-plans-genz) - Gen Z workers make common 401(k) mistakes that could cost them thousands in future retirement savings. Learn how to avoid these costly errors.
- [Emergency Fund Essentials: Your Financial Safety Net](https://www.davidlerner.com/newsroom/article/emergency-fund) - Learn why an emergency fund is essential and how to build one that protects your financial stability during unexpected life events.
- [High Interest Debt Reduction: Break Free from Financial Stress](https://www.davidlerner.com/newsroom/article/high-interest-debt-reduction) - Learn about practical strategies to tackle high interest debt and free yourself from financial stress with debt reduction techniques.
- [Zero Interest Credit Cards: Your Secret Weapon Against Debt](https://www.davidlerner.com/newsroom/article/zero-interest-credit-cards) - Learn how to use zero interest credit cards strategically to eliminate debt faster and save thousands in interest payments.
- [One Big Beautiful Bill Act Signed into Law](https://www.davidlerner.com/newsroom/article/tax-and-spending-bill-signed-into-law) - President Trump signed into law the One Big Beautiful Bill Act (OBBBA) on July 4, 2025, after months of deliberation in the House and Senate.
- [4 Ideas for Saving Money During Summer Vacations](https://www.davidlerner.com/newsroom/article/summer-savings-3) - Explore smart ways to enjoy fun with the family during the summer season without overspending.
- [College Savings Plans: Smart Ways to Fund Higher Education](https://www.davidlerner.com/newsroom/article/college-savings-plans-2) - Compare the best college savings plans and strategies to help pay for your child's education without sacrificing your financial health.
- [Your 2025 Financial Game: Plan, Save, Invest, and Achieve Financial Independence](https://www.davidlerner.com/newsroom/article/your-2025-financial-game-plan-save-invest-and-achieve-financial-independence) - Achieving financial independence is more than earning money. Save more, invest wisely and stay on track to ensure long-term financial success.
- [Gen Z’s Plan for Financial Freedom: A New Kind of Independence](https://www.davidlerner.com/newsroom/article/gen-zs-plan-for-financial-freedom-a-new-kind-of-independence) - As America celebrates Independence Day, Gen Z are facing a different challenge—their financial independence. Money concerns can impact their mental health.
- [Honoring the Need for Care: Supporting the Financial Well-Being of Older Adults](https://www.davidlerner.com/newsroom/article/honoring-the-need-for-care-supporting-the-financial-well-being-of-older-adults) - Steps you can take to care for aging loved ones while safeguarding long-term financial security
- [Long-Term Care Insurance: A Practical Step Toward Protecting Your Future](https://www.davidlerner.com/newsroom/article/long-term-care-insurance-a-practical-step-toward-protecting-your-future) - Discover when to consider Long-Term Care insurance and how to prepare for the rising cost of elder care for you and your loved ones.
- [Estate Planning: The Ultimate Gift for Your Family](https://www.davidlerner.com/newsroom/article/estate-planning-the-ultimate-gift-for-your-family) - Parents can protect their family's financial future through proper estate planning and smart money decisions.
- [Retirement Planning Strategies: Building Your Financial Future Today](https://www.davidlerner.com/newsroom/article/retirement-planning-strategies-building-your-financial-future-today) - Effective retirement planning strategies help secure your financial future. Learn key approaches to build your retirement nest egg.
- [Women, Money, and Investments: Building Confidence](https://www.davidlerner.com/newsroom/article/women-money-and-investments-building-confidence) - Fewer than a third of women feel confident about investing and planning their financial future.
- [Focus on Your Child's Financial Future: Building a Strong Foundation](https://www.davidlerner.com/newsroom/article/focus-on-your-childs-financial-future-building-a-strong-foundation) - As a parent planning for your child's financial future is one of the most important gifts you can give them. From college savings to teaching money basics, the steps you take today can make a significant difference in their financial well-being tomorrow. College Savings Strategies Nearly 50 percent of families with college-bound students establish dedicated
- [Mid-Year Financial Review: Time to Pause and Reflect](https://www.davidlerner.com/newsroom/article/mid-year-financial-review-time-to-pause-and-reflect) - A mid-year financial review helps you evaluate progress and adjust your money goals. Take time to pause and reflect on your financial journey.
- [College Savings 529 Plans: Your Child's Education Funding Solution](https://www.davidlerner.com/newsroom/article/college-savings-529-plans-your-childs-education-funding-solution) - College Savings 529 Plans offer tax advantages for education expenses. Learn how these plans work and their benefits for your child's future.
- [Tips for A Sound Financial Future for Graduates](https://www.davidlerner.com/newsroom/article/tips-for-a-sound-financial-future-for-graduates) - Help your graduate build a strong financial foundation with budgeting, saving & investing tips.
- [Retirement Planning for Young Adults](https://www.davidlerner.com/newsroom/article/retirement-planning-for-young-adults) - Learn how young adults can start planning for retirement early with simple strategies and investment options.
- [Avoid These 5 Common Financial Mistakes as a New Graduate](https://www.davidlerner.com/newsroom/article/avoid-these-5-common-financial-mistakes-as-a-new-graduate) - Learn the top financial mistakes new grads should avoid and how to start their financial journey on the right foot.
- [How Gen Z Is Revolutionizing Retirement Planning with FIRE 2.0](https://www.davidlerner.com/newsroom/article/how-gen-z-is-revolutionizing-retirement-planning-with-fire-2-0) - People often criticize Gen Z (young Americans born between 1997 and 2012) for their impulsive spending habits. However, a growing number in this generation are bucking the stereotype – rethinking what retirement could look like. Unlike previous generations who followed a traditional timeline, Gen Z view work as a means to an end instead of
- [Helping Families Guide New Grads Toward Financial Success](https://www.davidlerner.com/newsroom/article/helping-families-guide-new-grads-toward-financial-success) - Learn how families can play a key role in guiding new graduates toward financial success.
- [How to Save and Invest at Every Age: A Guide for Every Decade](https://www.davidlerner.com/newsroom/article/how-to-save-and-invest-at-every-age-a-guide-for-every-decade) - From your 20s to retirement, discover key savings and investment strategies to build wealth and secure your financial future.
- [Smart Budgeting Tips to Take Control of Your Finances](https://www.davidlerner.com/newsroom/article/smart-budgeting-tips-to-take-control-of-your-finances) - Learn practical budgeting strategies to manage your money better, reduce debt, and build savings for a more secure financial future.
- [Retirement Savings Strategies for Every Stage of Life](https://www.davidlerner.com/newsroom/article/retirement-savings-strategies-for-every-stage-of-life) - Learn effective retirement savings strategies for every stage of life. Discover how to optimize your savings early and make catch-up contributions later.
- [Celebrating 529 Day – Boost Your College Savings](https://www.davidlerner.com/newsroom/article/celebrating-529-day-boost-your-college-savings) - Learn how 529 Day promotes college savings plans that offer tax advantages and help families prepare for future education expenses.
- [Discover How Much Money Americans Need for Financial Independence](https://www.davidlerner.com/newsroom/article/discover-how-much-money-americans-need-for-financial-independence) - Discover how much money Americans aim for to achieve financial independence and learn about the FIRE movement's steps to retiring early.
- [The Power of Longevity: How to Ensure Your Wealth Lasts as Long as You Do](https://www.davidlerner.com/newsroom/article/the-power-of-longevity-how-to-ensure-your-wealth-lasts-as-long-as-you-do) - Discover investment and spending strategies to ensure your wealth supports you throughout retirement.
- [Long-Term Care Planning: The Financial Realities You Can’t Ignore](https://www.davidlerner.com/newsroom/article/long-term-care-planning-the-financial-realities-you-cant-ignore) - Learn how to plan for long-term care, explore insurance options & safeguard your assets for a secure future.
- [National Small Business Week – Supporting Local Enterprises](https://www.davidlerner.com/newsroom/article/national-small-business-week-supporting-local-enterprises) - Discover the importance of National Small Business Week and learn how supporting local enterprises strengthens communities and the economy.
- [Financial Wellness for Older Americans: A Guide to Avoiding Scams and Fraud](https://www.davidlerner.com/newsroom/article/financial-wellness-for-older-americans-a-guide-to-avoiding-scams-and-fraud) - Stay informed about common scams and fraud targeting retirees and learn how to protect your assets.
- [REAL ID Deadline Fast Approaching](https://www.davidlerner.com/newsroom/article/real-id-deadline-fast-approaching) - After years of numerous delays, the REAL ID enforcement deadline is scheduled for May 7, 2025. 1 What is a REAL ID? A REAL ID is a type of enhanced identification card that is signified by a star marking in the upper top portion of the card. The REAL ID Act, passed by Congress in
- [Borrowers in Default on Federal Student Loans Face Imminent Collection Efforts](https://www.davidlerner.com/newsroom/article/borrowers-in-default-on-federal-student-loans-face-imminent-collection-efforts) - On April 21, 2025, the U.S. Department of Education announced that it will resume collections on defaulted federal student loans starting May 5, 2025. The federal government hasn't collected on defaulted loans since March 2020. Here is some background followed by answers to questions about the new policy. A history of payment pauses and court
- [Housing Market Legacy: The Property Boom and Its Generational Impact](https://www.davidlerner.com/newsroom/article/housing-market-legacy-the-property-boom-and-its-generational-impact) - Examining how Boomers benefited from decades of the property boom appreciation created a significant wealth gap between generations.
- [The Emotional & Financial Toll of Being in the Sandwich Generation](https://www.davidlerner.com/newsroom/article/the-emotional-financial-toll-of-being-in-the-sandwich-generation) - Learn how the sandwich generation can balance caregiving, financial security, and personal well-being.
- [Creating a Sustainable Budget](https://www.davidlerner.com/newsroom/article/creating-a-sustainable-budget) - Steps to develop a realistic budget that balances current lifestyle needs with long-term financial goals.
- [Understanding Living Trusts and Estate Management](https://www.davidlerner.com/newsroom/article/understanding-living-trusts-and-estate-management) - Examines the benefits of living trusts, including probate avoidance, privacy protection, and flexible asset distribution.
- [Income-Generating Investments: Building Passive Cash Flow for the Future](https://www.davidlerner.com/newsroom/article/income-generating-investments-building-passive-cash-flow-for-the-future) - Explore different income-generating investments to create steady income streams and secure your financial future.
- [Maximizing Your 401(k) Benefits](https://www.davidlerner.com/newsroom/article/maximizing-your-401k-benefits) - A guide to optimizing employer match and understanding contribution limits to make the most of your workplace retirement savings plans in your 401(k).
- [How to Boost Retirement Savings with Alternative Income Streams](https://www.davidlerner.com/newsroom/article/how-to-boost-retirement-savings-with-alternative-income-streams) - Exploring entrepreneurial opportunities and side hustles to boost retirement savings in mid-to-late career.
- [New Tariffs Drive Market Volatility](https://www.davidlerner.com/newsroom/article/new-tariffs-drive-market-volatility) - At 4:00 p.m. on April 2, 2025, President Trump announced sweeping tariffs on imported goods that were significantly larger and different in structure than expected. The announcement was carefully timed to coincide with the close of the New York Stock Exchange to avoid immediate market volatility. But over the next two days, the S&P 500
- [Late-Stage Retirement Planning for Gen X](https://www.davidlerner.com/newsroom/article/late-stage-retirement-planning-for-gen-x) - Investment strategies for late-stage retirement planning for Gen X to maximize returns and utilize catch-up contributions in their 50s.
- [New Social Security Identity Verification Rule: Are You Affected?](https://www.davidlerner.com/newsroom/article/new-social-security-identity-verification-rule-are-you-affected) - Starting April 14, some Social Security applicants must verify their identity in person. Learn who’s affected and how to prepare.
- [The Financial Literacy Gap: How Gen Z Women Can Take Control of Their Financial Future](https://www.davidlerner.com/newsroom/article/the-financial-literacy-gap-how-gen-z-women-can-take-control-of-their-financial-future-2) - Despite being the most educated generation in history, Gen Z women face the lowest financial literacy rates among all demographic groups.
- [The Financial Literacy Gap: How Gen Z Women Can Take Control of Their Financial Future](https://www.davidlerner.com/newsroom/article/the-financial-literacy-gap-how-gen-z-women-can-take-control-of-their-financial-future) - Despite being the most educated generation in history, Gen Z women face the lowest financial literacy rates among all demographic groups.
- [Tariff Turmoil or Economic Signal? The Makings of a Stock Market Correction](https://www.davidlerner.com/newsroom/article/tariff-turmoil-or-economic-signal-the-makings-of-a-stock-market-correction) - On March 13, 2025, the S&P 500 Index landed in correction territory after a swift three-week drop of more than 10% from its February 19 record high. The NASDAQ index suffered an official correction a week earlier, having fallen over several months from its most recent peak in December 2024.1 President Trump's rapid, on-and-off implementation
- [Retirement Savings Strategies for Different Life Stages](https://www.davidlerner.com/newsroom/article/retirement-savings-strategies-for-different-life-stages) - Plan your retirement savings at every stage of life with smart investment options like annuities and dividend stocks.
- [How Interest Rate Changes Impact Your Investments and Savings](https://www.davidlerner.com/newsroom/article/how-interest-rate-changes-impact-your-investments-and-savings) - Discover how rising or falling interest rates affect stocks, bonds, and savings—and how to adapt your financial strategy.
- [Debt Awareness Week 2025](https://www.davidlerner.com/newsroom/article/debt-awareness-week-2025) - Learn how to tackle debt confidently during Debt Awareness Week, seek help & regain control of your financial future.
- [Take Control of Credit Card Debt](https://www.davidlerner.com/newsroom/article/take-control-of-credit-card-debt) - Learn practical tips to reduce credit card debt on Credit Card Reduction Day 2025 & take control of your financial wellness.
- [Financial Resilience: The Key to a Strong Financial Future](https://www.davidlerner.com/newsroom/article/financial-resilience-the-key-to-a-strong-financial-future) - Developing a financial resilience plan can build a stronger financial safety net and provide a stable future.
- [Balancing Retirement Savings and Other Financial Goals](https://www.davidlerner.com/newsroom/article/balancing-retirement-savings-and-other-financial-goals-2) - Finding the right balance between retirement saving and funding other major life expenses can be a delicate dance.
- [Protecting Your Future: Life Insurance Strategies for Married Couples](https://www.davidlerner.com/newsroom/article/protecting-your-future-life-insurance-strategies-for-married-couples) - Life insurance can provide financial safety that protects a couple's shared goals and assets and ensures long-term financial stability.
- [Women's Financial Security in Retirement: Bridging the Gender Gap](https://www.davidlerner.com/newsroom/article/womens-financial-security-in-retirement-bridging-the-gender-gap) - Women's financial security in retirement is still a challenge. We need to understand and address the unique retirement challenges women face today.
- [Life Insurance Policies as a Financial Planning Strategy](https://www.davidlerner.com/newsroom/article/life-insurance-policies-as-a-financial-planning-strategy) - Discover the benefits of different life insurance policies, including options that serve as savings vehicles or provide funds for medical expenses.
- [Investment Strategies for an Evolving Market in 2025](https://www.davidlerner.com/newsroom/article/investment-strategies-for-an-evolving-market-in-2025) - Investment strategies for an evolving market in 2025. Understanding the market dynamics as well as different types of investments.
- [Balancing Debt and Retirement Planning: A Guide for Pre-Retirees](https://www.davidlerner.com/newsroom/article/balancing-debt-and-retirement-planning-a-guide-for-pre-retirees) - Juggling debt while planning for retirement has become an increasingly common challenge. Explore how to balance these with a guide for pre-retirees.
- [Gender Equality and Women’s Financial Freedom](https://www.davidlerner.com/newsroom/article/gender-equality-and-womens-financial-freedom) - On International Women's Day 2025, discover how gender equality fosters workplace financial wellness & empowerment for women.
- [The New Era of 529 Plans: Maximizing College Savings Flexibility](https://www.davidlerner.com/newsroom/article/the-new-era-of-529-plans-maximizing-college-savings-flexibility) - Discover how 529 plans can maximise your college savings. Costs of higher education are skyrocketing.
- [Building a Multi-Generational Retirement Strategy](https://www.davidlerner.com/newsroom/article/building-a-multi-generational-retirement-strategy) - A multi-generational retirement strategy involves accounting for various time horizons, from immediate retirement needs to long-term legacy goals.
- [The Need for Financial Education: Global Money Week 2025](https://www.davidlerner.com/newsroom/article/the-need-for-financial-education-global-money-week-2025) - Explore financial education tips to empower yourself for smarter money decisions
- [Tax Planning Tips for Investors: What You Need to Know Before Filing](https://www.davidlerner.com/newsroom/article/tax-planning-tips-for-investors-what-you-need-to-know-before-filing) - Optimize your taxes with smart tax planning tips for managing gains, tax-loss harvesting & efficient investment strategies.
- [Why an Investment Counselor Could Be Your Financial Secret Weapon](https://www.davidlerner.com/newsroom/article/why-an-investment-counselor-could-be-your-financial-secret-weapon) - Ever wondered how some people seem to have their financial life completely figured out? Chances are, they're not doing it alone. Behind many successful financial journeys stands a trusted partner: an investment counselor. These financial professionals do way more than just shuffle around your investment portfolio – they're essentially your personal coach and advisor all
- [Tariffs: How They Work and Potential Economic Effects](https://www.davidlerner.com/newsroom/article/tariffs-how-they-work-and-potential-economic-effects) - On February 1, 2025, President Trump authorized an additional 25% tariff on all goods entering the United States from Canada and Mexico (except for a lower 10% tariff on energy resources from Canada) and an additional 10% tariff on all goods from China. Nine days later, Trump authorized a 25% tariff on steel and aluminum,
- [Building Financial Literacy Together: A Smart Start for Newlyweds](https://www.davidlerner.com/newsroom/article/building-financial-literacy-together-a-smart-start-for-newlyweds) - A smart start for newlyweds is obtaining financial literacy knowledge and practical skills to master budgeting, saving, and investing.
- [Fixed Annuities: The Cornerstone of Predictable Retirement Income](https://www.davidlerner.com/newsroom/article/fixed-annuities-the-cornerstone-of-predictable-retirement-income) - Despite their increasing popularity, few Americans know how annuities work or when using one could benefit their financial plans. Four out of five American adults (79%) still struggle to identify the correct definition of an annuity. Think of annuities as the steady rocks in the stormy sea of retirement planning. They've been gaining quite a
- [How to Balance Your Retirement Savings While Being a Caregiver](https://www.davidlerner.com/newsroom/article/how-to-balance-your-retirement-savings-while-being-a-caregiver) - Learn smart retirement savings strategies to secure your financial future while supporting your loved ones.
- [National Caregivers Day: Planning for Long-Term Care Costs](https://www.davidlerner.com/newsroom/article/national-caregivers-day-planning-for-long-term-care-costs) - On this National Caregivers Day, learn strategies to manage long-term care for loved ones.
- [How to Manage Student Loan Debt While Planning for the Future](https://www.davidlerner.com/newsroom/article/32355) - Balance student loan debt repayment with saving & investing for your future.
- [8 Financial Lessons from Great Presidents](https://www.davidlerner.com/newsroom/article/8-financial-lessons-from-great-presidents) - Presidents’ Day is a time to honor the leaders who have shaped the history of the United States. While much of the focus is on their leadership in politics, war, and diplomacy, many of our Presidents’ also demonstrated financial wisdom that can serve as timeless lessons for all of us. “From managing national debt to
- [Scholarships vs. Grants: How to Maximize College Financial Aid Opportunities](https://www.davidlerner.com/newsroom/article/scholarships-vs-grants-how-to-maximize-college-financial-aid-opportunities) - Learn the key differences between scholarships vs. grants—tips to secure more free financial aid for college.
- [Financial Aid Awareness Makes Higher Education More Accessible](https://www.davidlerner.com/newsroom/article/financial-aid-awareness-makes-higher-education-more-accessible) - February is Financial Aid Awareness Month, a time dedicated to informing college students about the many opportunities available to make higher education more accessible and affordable. The cost of attending colleges and universities has skyrocketed over the past few decades. The average cost of college in the US is $38,270 per student per year, making
- [Financial Resilience Helps Handle Life's Curveballs](https://www.davidlerner.com/newsroom/article/financial-resilience-helps-handle-lifes-curveballs) - Financial resilience helps you to navigate and overcome life's unexpected challenges and build a stronger financial safety net
- [Planning College Costs as Newlyweds](https://www.davidlerner.com/newsroom/article/planning-college-costs-as-newlyweds) - A primary financial goal for newlyweds is planning the college costs for their children and what factors go into saving and budgeting for the future.
- [Financial Literacy for Newlyweds: Strategies for a Secure Future](https://www.davidlerner.com/newsroom/article/financial-literacy-for-newlyweds-strategies-for-a-secure-future) - : Financial Literacy for newlyweds can provide strategies for a secure future
- [The Growing Challenge of Health Care Costs in Retirement](https://www.davidlerner.com/newsroom/article/the-growing-challenge-of-health-care-costs-in-retirement) - Healthcare costs in retirement are one of the most underestimated and rapidly growing financial challenges for Americans.
- [January is Financial Wellness Month – Emergency Funds](https://www.davidlerner.com/newsroom/article/january-is-financial-wellness-month-emergency-funds) - During Financial Wellness Month, learn why building an emergency fund is essential for financial security.
- [Balancing Retirement Savings and Other Financial Goals](https://www.davidlerner.com/newsroom/article/balancing-retirement-savings-and-other-financial-goals) - Balancing retirement savings and other financial goals can be a delicate dance.
- [The Social Security Fairness Act Increases Benefits for Millions](https://www.davidlerner.com/newsroom/article/the-social-security-fairness-act-increases-benefits-for-millions) - Under the Social Security Fairness Act signed by President Biden on January 5, 2025, almost 3 million Americans will receive a boost to their Social Security benefits.1 This bill, which had bipartisan support, restores full Social Security benefits to some public-sector employees, including teachers, law enforcement officers, firefighters, and others who have been affected by
- [Financial Wellness Month – Tracking Your Spending](https://www.davidlerner.com/newsroom/article/financial-wellness-month-tracking-your-spending) - This Financial Wellness Month, discover how tracking your spending helps you avoid overspending & stay financially healthy.
- [January is Financial Wellness Month – Financial Smart Goals](https://www.davidlerner.com/newsroom/article/january-is-financial-wellness-month-financial-smart-goals) - This Financial Wellness Month set realistic financial goals for 2025 with actionable steps on debt management, credit building & long-term saving.
- [Data for Sale: Tips to Help Protect Your Private Information](https://www.davidlerner.com/newsroom/article/data-for-sale-tips-to-help-protect-your-private-information) - On December 3, 2024, the Federal Trade Commission (FTC) announced a proposed settlement in legal action against a data broker named Mobilewalla, which was accused of using location data obtained through online advertising auctions to identify consumers by factors such as private home address and visits to health-care clinics and churches. In an online auction,
- [How to Review and Adjust Your Investment Portfolio for the New Year](https://www.davidlerner.com/newsroom/article/how-to-review-and-adjust-your-investment-portfolio-for-the-new-year) - Start 2024 by rebalancing your investment portfolio & aligning your strategy with your financial goals.
- [The Importance of Reviewing and Adjusting Insurance Coverage Annually](https://www.davidlerner.com/newsroom/article/the-importance-of-reviewing-and-adjusting-insurance-coverage-annually) - Ensure you’re adequately covered in 2025. Tips to review, adjust, and save on insurance for changing life needs.
- [New Year’s Financial Resolutions](https://www.davidlerner.com/newsroom/article/new-years-financial-resolutions) - The New Year is a time for resolutions – the perfect time to revamp your financial goals.
- [Financial Wellness Month – Budgeting for the Year](https://www.davidlerner.com/newsroom/article/financial-wellness-month-budgeting-for-the-year) - Use this Financial Wellness Month to Kickstart 2024 with a personal budgeting plan.
- [The College Enrollment Cliff: Planning Your Family's Educational Future](https://www.davidlerner.com/newsroom/article/the-college-enrollment-cliff-planning-your-familys-educational-future) - The financial aspect of the college enrollment cliff means families need to be smarter about planning for their children’s education.
- [Still Need to Do Day: Getting Your Financial House in Order](https://www.davidlerner.com/newsroom/article/still-need-to-do-day-getting-your-financial-house-in-order) - Prepare for the new year with actionable financial tips on Still Need to Do Day.
- [The Financial and Emotional Challenges of Retirement](https://www.davidlerner.com/newsroom/article/the-financial-and-emotional-challenges-of-retirement) - Americans face significant retirement challenges. 80 percent of older adults are struggling financially or at risk of doing so in the future.
- [How to Save Smartly in 2025: Financial Strategies for the Year Ahead](https://www.davidlerner.com/newsroom/article/how-to-save-smartly-in-2025-financial-strategies-for-the-year-ahead) - It is time to find strategies to save smartly in 2025 to save your financial future. Market changes and economic shifts mean you need to rethink how you save,
- [Identity Theft & Online Shopping: Staying Safe During the Holiday Season](https://www.davidlerner.com/newsroom/article/identity-theft-online-shopping-staying-safe-during-the-holiday-season) - Protect your personal info while shopping online this holiday season with expert tips on staying safe from identity theft.
- [Medicare 2025: Why It Matters to Shop Around](https://www.davidlerner.com/newsroom/article/medicare-changes-in-2025) - It’s open enrollment time. This year, it’s vital to understand how Medicare changes in 2025 will affect your health care and financial future.
- [2024 Holiday Spending Surge: Impact on Your Wallet & Investments](https://www.davidlerner.com/newsroom/article/2024-holiday-spending-surge-impact-on-your-wallet-investments) - Learn how the holiday spending surge impacts your financial plan and investment strategy.
- [Making the Most of Your 2024 Retirement Contributions](https://www.davidlerner.com/newsroom/article/making-the-most-of-your-2024-retirement-contributions) - Strategic planning allows you to maximize your retirement contributions while taking advantage of valuable tax benefits
- [National Write a Business Plan Month](https://www.davidlerner.com/newsroom/article/national-write-a-business-plan-month) - Kickstart your business success this National Write A Business Plan Month by learning the essentials of crafting a solid plan.
- [Smart Gifting: Balance Generosity and Finances This Holiday](https://www.davidlerner.com/newsroom/article/smart-gifting-balance-generosity-and-finances-this-holiday) - Discover creative and smart gifting ideas this holiday season that help you stay financially responsible while spreading holiday cheer.
- [Gen X Women’s Retirement Goals](https://www.davidlerner.com/newsroom/article/gen-x-womens-retirement-goals) - Gen X women believe they will need over $2 million for a comfortable retirement —a number that significantly surpasses the goals of other generations.
- [College Savings for 2025: Tips and Strategies](https://www.davidlerner.com/newsroom/article/college-savings-for-2025-tips-and-strategies) - Tips for ways to save for college and the possible pitfalls one may encounter. Tax-advantaged accounts for college savings can be an excellent option.
- [Women Entrepreneurs Need a Path to Financial Freedom](https://www.davidlerner.com/newsroom/article/women-entrepreneurs-need-a-path-to-financial-freedom) - Why women entrepreneurs face unique challenges saving for retirement & how they can plan better.
- [A Critical Combo: Life Insurance with Long-Term Care Benefits](https://www.davidlerner.com/newsroom/article/a-critical-combo-life-insurance-with-long-term-care-benefits) - An important part of any retirement strategy involves accounting for potential long-term care (LTC) expenses, which can be surprisingly high. The median cost of a private room in a nursing home was $9,733 in 2023, while a full-time home health aide was $6,292 per month.1 If you plan to pay for care out of pocket,
- [Navigating Inflation in Retirement](https://www.davidlerner.com/newsroom/article/navigating-inflation-in-retirement-2) - Navigating inflation in retirement can help ensure financial security and peace of mind. Learn strategies to protect your savings.
- [Helping Hands: David Lerner Associates Donated to Officer Battling Hodgkin’s Lymphoma](https://www.davidlerner.com/newsroom/article/helping-hands-david-lerner-associates-donated-to-officer-battling-hodgkins-lymphoma) - David Lerner Associates supports Officer Alexa Crimaudo with a $2,500 donation to help with medical expenses as she battles Hodgkin’s Lymphoma.
- [Health and Wealth: Longevity in Retirement Planning](https://www.davidlerner.com/newsroom/article/health-and-wealth-longevity-in-retirement-planning) - Americans underestimate how long they'll live. Longevity is a critical factor in retirement planning.
- [The Value of a Year-end Investment Review](https://www.davidlerner.com/newsroom/article/the-value-of-a-year-end-investment-review) - A regular investment review and adjustment of your investment strategy can help weather market volatility.
- [Why You Should Create an Estate Plan This Holiday Season](https://www.davidlerner.com/newsroom/article/why-you-should-create-an-estate-plan-this-holiday-season) - Learn why the holidays are the ideal time to start your estate plan & secure your family’s future.
- [Wrapping Up Your Finances: A Comprehensive Year-End Guide](https://www.davidlerner.com/newsroom/article/wrapping-up-your-finances-a-comprehensive-year-end-guide) - This year-end financial planning guide will walk you through essential tasks for wrapping up your finances before the year ends.
- [Family Caregivers and Financial Challenges](https://www.davidlerner.com/newsroom/article/family-caregivers-and-financial-challenges) - Use this Family Caregivers Month to learn about the growing challenges faced by the Sandwich Generation & tips for planning LTC.
- [Obstacles Single Women Entrepreneurs Face with Retirement Planning](https://www.davidlerner.com/newsroom/article/obstacles-single-women-entrepreneurs-face-with-retirement-planning) - Explore key challenges single women face in retirement savings and strategies to overcome them.
- [Holiday Shopping & Financial Planning 2024](https://www.davidlerner.com/newsroom/article/holiday-shopping-financial-planning-2024) - Plan your holiday shopping confidently by following our budgeting & financial planning tips.
- [Long-Term Care a Vital Component of Retirement Planning](https://www.davidlerner.com/newsroom/article/long-term-care-a-vital-component-of-retirement-planning) - On this Long-Term Care Awareness Month, learn why long-term care is a vital component and why LTC insurance is crucial for securing your retirement.
- [Planning for Healthcare Costs in Retirement: What to Consider After 50](https://www.davidlerner.com/newsroom/article/planning-for-healthcare-costs-in-retirement-what-to-consider-after-50) - Asyou approach retirement, it’s essential to factor in one of the most significant and often underestimated expenses: healthcare.
- [Essential Financial Strategies for Today's Young Adults](https://www.davidlerner.com/newsroom/article/essential-financial-strategies-for-todays-young-adults) - Discover essential financial strategies tailored for young adults, including budgeting, debt management, savings, and investment tips.
- [The American Dream: Fading Hope or Evolving Reality?](https://www.davidlerner.com/newsroom/article/the-american-dream-fading-hope-or-evolving-reality) - Recent studies show differing opinions about The American Dream. It can and should look different for everyone, depending on their goals in life.
- [The World According to Poppy: Protecting the Work of a Lifetime](https://www.davidlerner.com/newsroom/article/the-world-according-to-poppy-protecting-the-work-of-a-lifetime) - “My wife became ill. She wants to stay at home, but she needs 24-hour nursing care. I’m not sure how long we can afford that.” “When mom got sick, it fell on my siblings and me to care for her. My sister helped when she could, but my brother didn’t, and now we barely speak.”
- [Engineering and Art: A Dual Path to Career Success](https://www.davidlerner.com/newsroom/article/engineering-careersuccess) - For years, conventional wisdom has dictated that those seeking lucrative careers should pursue degrees in engineering or other STEM fields, avoiding the arts in favor of a higher earning potential. However, recent research suggests that the best path to career success may lie in combining engineering with the arts. Research Insights: The National Bureau of
- [Retirement Savings Changes You Should Know About Before Year’s End](https://www.davidlerner.com/newsroom/article/retirement-savings-changes-you-should-know-about-before-years-end) - Stay informed about new retirement savings changes & how they can impact your financial planning this year.
- [National Savings Day - A Boost for Your Financial Future](https://www.davidlerner.com/newsroom/article/national-savings-day) - National Savings Day 2024: Discover ways to save effectively and plan your finances with our guide.
- [Essential Retirement Savings Tips for Those Over 50](https://www.davidlerner.com/newsroom/article/essential-retirement-savings-tips-for-those-over-50) - These retirement savings tips can help boost your nest egg and ensure a comfortable future.
- [Understanding Zillennials: Bridging the Financial Gap Between Millennials and Gen Z](https://www.davidlerner.com/newsroom/article/understanding-zillennials-bridging-the-financial-gap-between-millennials-and-gen-z) - Zillennials need expert investment counselling that can empower them to make informed decisions and secure their financial future.
- [National Retirement Security Week 2024](https://www.davidlerner.com/newsroom/article/national-retirement-security-week-2024) - Celebrate National Retirement Security Week 2024 with tips & ideas to enhance your retirement planning strategies
- [Lower Interest Rates Could Affect Your Financial Future](https://www.davidlerner.com/newsroom/article/lower-interest-rates-could-affect-your-financial-future) - Lower interest rates could significantly affect your investments and retirement planning.
- [How to Get Smart About Credit](https://www.davidlerner.com/newsroom/article/how-to-get-smart-about-credit) - On this Get Smart About Credit Day, learn & improve your credit knowledge with our practical tips.
- [Parent Plus Loans for College Costs](https://www.davidlerner.com/newsroom/article/parent-plus-loans-for-college-costs) - Understand Parent PLUS Loans and how they can help cover your child's college costs.
- [Financial Planning Month: Stay on Budget](https://www.davidlerner.com/newsroom/article/financial-planning-month-stay-on-budget) - Financial Planning Month: Tips and ideas to manage your spending, set a budget, & secure your financial future.
- [Changes to 529 College Savings Plans](https://www.davidlerner.com/newsroom/article/changes-to-529-college-savings-plans) - The 529 college savings plan has long been favored for parents and grandparents who want to save for higher education expenses.
- [Should You Worry About Market Volatility?](https://www.davidlerner.com/newsroom/article/should-you-worry-about-market-volatility) - Should you worry about Market Volatility? In August, the S&P 500 Index dropped 3% from its previous close, the largest single-day loss in almost two years.
- [The Rise of Female Boomers in the Market](https://www.davidlerner.com/newsroom/article/the-rise-of-female-boomers-in-the-market) - As Baby Boomers continue to age, a significant demographic shift occurs: the future female Boomers consumer will increasingly skew females.
- [Boomers Seeking More Experiences and Fewer Products](https://www.davidlerner.com/newsroom/article/boomers-seeking-more-experiences-and-fewer-products) - Baby Boomers prioritize experiences over products, focusing on health, wellness, and personal fulfillment, creating new business opportunities.
- [The World According to Poppy: What Essentially Causes Inflation?](https://www.davidlerner.com/newsroom/article/the-world-according-to-poppy) - “I went to the supermarket and bought two bags of groceries—it cost over $200!” “I filled up my gas tank the other day, and it cost over $75!” “We recently dined at a steakhouse, and the restaurant charged $175 for a steak!” “We recently visited a fast food restaurant, and the bill for three came
- [Five Higher Education Trends to Watch For in 2024](https://www.davidlerner.com/newsroom/article/five-higher-education-trends-to-watch-for-in-2024) - Higher education is constantly evolving, and 2024 promises to bring significant changes that will impact students, educators, and institutions alike.
- [Planning for Retirement Across Generations: What You Need to Know](https://www.davidlerner.com/newsroom/article/planning-for-retirement-across-generations-what-you-need-to-know) - Juggling retirement savings, college costs, and elder care? Learn smart planning tips to manage retirement across generations.
- [Mid-Retirement Check](https://www.davidlerner.com/newsroom/article/mid-retirement-check) - A Mid-Retirement Check is essential for ensuring a comfortable and secure retirement. It will cover everything from household chores to financial aspects.
- [Navigating Financial Confusion for Millennials and Gen Zers](https://www.davidlerner.com/newsroom/article/navigating-financial-confusion-for-millennials-and-gen-zers) - Many Millennials and Gen Zers have a distorted perception of their financial standing, feeling significant financial confusion.
- [September is College Savings Month](https://www.davidlerner.com/newsroom/article/september-is-college-savings-month) - Discover how to maximize your savings during College Savings Month and learn the best strategies to set yourself or someone else on the right college path.
- [National Grandparents Day 2024](https://www.davidlerner.com/newsroom/article/national-grandparents-day-2024) - Celebrate National Grandparents Day by exploring estate planning and how to pass wealth to your grandkids effectively.
- [Annuitized Income Retirees Spend Twice as Much as Those Without](https://www.davidlerner.com/newsroom/article/annuitized-income-retirees-spend-twice-as-much-as-those-without) - Discover why retirees with annuitized income spend more confidently than those without savings. Learn how guaranteed income can lead to more.
- [Required Distributions: Changes You Need to Know](https://www.davidlerner.com/newsroom/article/required-distributions-changes-you-need-to-know) - Learn about the latest required minimum distributions (RMDs) changes due to the SECURE Act and IRS regulations.
- [Starting Early: How Parents Can Teach Kids Financial Responsibility](https://www.davidlerner.com/newsroom/article/financial-responsibility) - Learn why parents should start early to discuss financial responsibility with their kids.
- [Top 5 Tips for Building a College Savings Plan](https://www.davidlerner.com/newsroom/article/top-5-tips-for-building-a-college-savings-plan) - Build a successful College Savings Plan with our helpful tips.
- [National 401(k) Day: September 6, 2024](https://www.davidlerner.com/newsroom/article/national-401k-day) - Learn about National 401(k) Day 2024 and discover tips to optimize your retirement savings.
- [How AI is Affecting Your Retirement Portfolio](https://www.davidlerner.com/newsroom/article/how-ai-is-affecting-your-retirement-portfolio) - Explore how AI impacts investment sectors like utilities and chip markets can boost your retirement portfolio. Learn more about adapting to these trends.
- [Interest Rates on Federal Student Loans Jump to Decade Highs for 2024-2025 Year](https://www.davidlerner.com/newsroom/article/interest-rates-on-federal-student-loans-jump-to-decade-highs-for-2024-2025-year) - Discover how federal student loans interest rates for 2024-2025 are increasing, the highest in years for undergraduates and graduates. Learn more now!
- [The Economic Impact of an Aging World](https://www.davidlerner.com/newsroom/article/the-economic-impact-of-an-aging-world) - French markets faced a bond sell-off due to political shifts, highlighting the economic impact of changes in retirement age and social spending programs.
- [How Younger Generations Are Getting Retirement Ready](https://www.davidlerner.com/newsroom/article/retirement-ready) - Discover how younger generations are getting Retirement Ready with tech-savvy strategies and smart financial planning tips.
- [Teaching Financial Responsibility: A Parent’s Guide to Money Management for Kids](https://www.davidlerner.com/newsroom/article/teaching-financial-responsibility-a-parents-guide-to-money-management-for-kids) - Teach kids financial literacy with practical savings, budgeting, and investing tips. Start early to ensure responsible money management.
- [Celebrating Single Working Women](https://www.davidlerner.com/newsroom/article/celebrating-single-working-women) - Celebrate Single Working Women's Week by honoring their achievements and contributions. Discover ways to support and participate!
- [How Car Loans Can Impact Americans' Retirement Goals](https://www.davidlerner.com/newsroom/article/how-car-loans-can-impact-americans-retirement-goals) - Discover how car loans impact retirement goals and learn strategies to mitigate their financial burden for a secure future.
- [Why Women Trail Behind in Retirement Savings](https://www.davidlerner.com/newsroom/article/why-women-trail-behind-in-retirement-savings) - Why are women’s retirement savings affected by career breaks, the gender pay gap, and a lack of financial literacy in retirement savings?
- [August is National Black Business Month](https://www.davidlerner.com/newsroom/article/august-is-national-black-business-month) - Celebrate National Black Business Month by supporting Black-owned businesses & learning about their contributions.
- [How Life Insurance Can Improve Financial Wellness](https://www.davidlerner.com/newsroom/article/how-life-insurance-can-improve-financial-wellness) - Discover how Permanent Life Insurance and Deferred Income Annuities can enhance your investment plan and financial wellness.
- [National Financial Awareness Day](https://www.davidlerner.com/newsroom/article/financial-awareness-day) - Celebrate Financial Awareness Day by enhancing your financial literacy with our expert tips and participation ideas.
- [How to Maximize Retirement Income](https://www.davidlerner.com/newsroom/article/how-to-maximize-retirement-income) - Learn practical strategies to maximize retirement income. Discover the importance of early saving, diversification, and financial literacy.
- [A Post-Vacation Plan to Get Your Finances Back on Track](https://www.davidlerner.com/newsroom/article/a-post-vacation-plan-to-get-your-finances-back-on-track) - Discover how to realign your post-vacation finances. Learn budgeting tips and strategies to achieve financial literacy and stability.
- [What to Know About the New Retirement Security Rule](https://www.davidlerner.com/newsroom/article/what-to-know-about-the-new-retirement-security-rule) - Discover the latest buzz in wealth management with insights into the new Retirement Security Rule and its retirement planning strategies.
- [Retirement Anxiety More Pronounced Among Millennials and Gen X](https://www.davidlerner.com/newsroom/article/retirement-anxiety) - Learn why Millennials and Gen Xers face heightened retirement anxiety and discover practical tips for overcoming these challenges and securing a future.
- [Enhancing Pension Plans: Strategies for America's Retirement Crisis](https://www.davidlerner.com/newsroom/article/enhancing-pension-plans-strategies-for-americas-retirement-crisis) - Explore strategies to enhance defined benefit pension plans for workers and tackle America's retirement crisis in this world.
- [Achieving Financial Wellness with an Investment Counselor](https://www.davidlerner.com/newsroom/article/achieving-financial-wellness-with-an-investment-counselor) - Discover the importance of financial wellness and how an investment counselor can help you achieve your financial goals.
- [Maximizing Retirement Benefits: A Guide to SEP-IRAs for Small Businesses](https://www.davidlerner.com/newsroom/article/maximizing-retirement-benefits-a-guide-to-sep-iras-for-small-businesses) - Explore the benefits of SEP-IRAs for small businesses. Learn about eligibility, contribution limits, and tax advantages.
- [Peak 65 – A New Era in Retirement Demographics](https://www.davidlerner.com/newsroom/article/peak-65-a-new-era-in-retirement-demographics) - With four million Baby Boomers turning 65 in 2024, the phenomenon known as Peak 65 is a new era of retirement demographics.
- [How You Can Tackle Long-Term Care Costs in Retirement](https://www.davidlerner.com/newsroom/article/how-you-can-tackle-long-term-care-costs-in-retirement) - Learn strategies to tackle long-term care costs in retirement. Discover proactive steps to ensure financial security.
- [The Silver Tsunami: Trends and Challenges in Retirement](https://www.davidlerner.com/newsroom/article/the-silver-tsunami-trends-and-challenges-in-retirement) - Explore The Silver Tsunami as a record 4.1 million Americans turn 65 in 2024, impacting retirement planning and financial security.
- [Closing the Retirement Savings Gap](https://www.davidlerner.com/newsroom/article/closing-the-retirement-savings-gap) - Discover how innovative insurance products like permanent life insurance and deferred income annuities can help bridge the retirement savings gap.
- [Leveraging Government Pensions for Retirement Security](https://www.davidlerner.com/newsroom/article/leveraging-government-pensions-for-retirement-security) - Explore strategies for government employees to enhance retirement security with pension plans and investment strategies.
- [Financial Tips for Celebrating Father's Day with Meaning](https://www.davidlerner.com/newsroom/article/financial-tips-for-celebrating-fathers-day-with-meaning) - Discover budget-friendly Father's Day financial tips to celebrate with meaning. Learn how to show appreciation without overspending.
- [The Top Retirement Strategies for Teachers](https://www.davidlerner.com/newsroom/article/the-top-retirement-strategies-for-teachers) - Learn essential retirement strategies tailored for teachers to secure a comfortable future. Get schooled on smart saving for teachers' retirement with advice.
- [Summer Savings: Maximizing Your Finances](https://www.davidlerner.com/newsroom/article/summer-savings-maximizing-your-finances) - Learn about maximizing your finances during the summer months with smart budgeting and savings strategies. Avoid overspending while still enjoying vacations.
- [A Good Credit Score Matters Even After You Retire](https://www.davidlerner.com/newsroom/article/a-good-credit-score-matters-even-after-you-retire) - Discover why maintaining a good credit score is crucial even after retirement, along with practical tips to maintain a healthy credit.
- [Celebrating National Financial Freedom Day](https://www.davidlerner.com/newsroom/article/celebrating-national-financial-freedom-day) - Financial freedom means having enough savings and income from investments or side jobs to live without needing a regular job.
- [The 50/30/20 Budget Rule as a Guide for Graduates](https://www.davidlerner.com/newsroom/article/the-50-30-20-budget-rule-as-a-guide-for-graduates) - Master budgeting with the 50/30/20 budget rule. Learn how to allocate income for financial success as a recent graduate.
- [Financial and Physical Health: Investing in Wellness](https://www.davidlerner.com/newsroom/article/financial-and-physical-health-investing-in-wellness) - Explore the vital connection between financial and physical health and discover practical strategies for holistic wellness.
- [Father’s Day – How Dads Can Educate Kids on Financial Independence](https://www.davidlerner.com/newsroom/article/fathers-day-how-dads-can-educate-kids-on-financial-independence) - Celebrate Father’s Day by empowering kids with financial literacy. Discover impactful ways dads shape financial futures.
- [Can you trust financial advice from social media?](https://www.davidlerner.com/newsroom/article/can-you-trust-financial-advice-from-social-media) - Discover the benefits and pitfalls of social media financial advice and why professional investment counselors are essential for your financial success.
- [Are 529 College Savings Plans a Good Idea?](https://www.davidlerner.com/newsroom/article/are-529-college-savings-plans-a-good-idea) - Saving for higher education is a significant financial goal for many families. One popular and effective tool for achieving this goal is the 529 college savings plan
- [Financial Management Tips for Small Business Owners](https://www.davidlerner.com/newsroom/article/financial-management-tips-for-small-business-owners) - Small business owners can better manage their finances and improve cash flow by implementing these tips and strategies.
- [Teaching Kids About Money: Financial Literacy for Families](https://www.davidlerner.com/newsroom/article/teaching-kids-about-money-financial-literacy-for-families) - Empower kids with financial literacy from a young age. Teaching kids about money learn more from David Lerner Associates.
- [The Vital Role of Fathers as Financial Role Models](https://www.davidlerner.com/newsroom/article/the-vital-role-of-fathers-as-financial-role-models) - Discover how fathers as financial role models, guiding their children toward independence and security.
- [Money Stress Can Affect Your Health](https://www.davidlerner.com/newsroom/article/money-stress-can-affect-your-health) - Learn the impact of financial stress on health and discover strategies for managing both stressors. Find out how financial education can help with money stress.
- [Enhancing Retirement Benefits: Innovative Approaches for Life Insurers](https://www.davidlerner.com/newsroom/article/enhancing-retirement-benefits-innovative-approaches-for-life-insurers) - Discover the role of life insurers in enhancing retirement benefits. Explore tailored benefits for a secure financial future.
- [Financial Education for College Grads](https://www.davidlerner.com/newsroom/article/financial-education-for-college-grads) - Financial education for college grads is crucial. Learn key financial concepts and tips for success beyond campus.
- [Financial Support and Independence During Young Adulthood](https://www.davidlerner.com/newsroom/article/financial-support-and-independence-during-young-adulthood) - Discover strategies for financial independence during young adulthood. Empower your journey with expert advice and practical tips.
- [Paying for College: The FAFSA Now Has a 'Grandparent Loophole](https://www.davidlerner.com/newsroom/article/paying-for-college-the-fafsa-now-has-a-grandparent-loophole) - Learn about the new Grandparent Loophole in the FAFSA for college financial aid and how grandparents can support education funding.
- [The 5 Levels of Financial Freedom for Married Couples](https://www.davidlerner.com/newsroom/article/the-5-levels-of-financial-freedom-for-married-couples) - Explore the journey to financial freedom as a married couple and learn how to progress efficiently through five key stages.
- [The Rise of Personal Finance Education in High Schools](https://www.davidlerner.com/newsroom/article/the-rise-of-personal-finance-education-in-high-schools) - Discover the importance of personal finance education in high schools. Learn how it's shaping future financial well-being.
- [Financial Harmony: Budgeting and Communication in Relationships](https://www.davidlerner.com/newsroom/article/financial-harmony-budgeting-and-communication-in-relationships) - Discover the keys to financial harmony in relationships through effective communication, budgeting, and shared goals.
- [Navigating Retirement as an Older American](https://www.davidlerner.com/newsroom/article/navigating-retirement-as-an-older-american) - Navigating Retirement: Learn essential tips for older Americans to maximize retirement years. Explore retirement planning, healthcare, and estate planning.
- [Budgeting Your Way to a Secure Financial Future](https://www.davidlerner.com/newsroom/article/budgeting-your-way-to-a-secure-financial-future) - The significance of budgeting cannot be overstated. It’s the cornerstone of your financial security, providing clarity,, and direction for your future.
- [Navigating Retirement: A Comprehensive Guide to Annuities](https://www.davidlerner.com/newsroom/article/navigating-retirement-a-comprehensive-guide-to-annuities) - Explore annuities for retirement planning and investment strategies with David Lerner Associates. Secure your financial future today!
- [Balancing Retirement Savings and College Planning](https://www.davidlerner.com/newsroom/article/balancing-retirement-savings-and-college-planning) - Learn to balance retirement and college savings with David Lerner Associates. Maximize resources for financial harmony.
- [Achieving Early Retirement](https://www.davidlerner.com/newsroom/article/achieving-early-retirement-seven-considerations-for-financial-and-mental-preparedness) - Planning early retirement? From financial readiness to planning for healthcare costs and the right mindset, this guide ensures you're 100% ready.
- [April is Social Security Month](https://www.davidlerner.com/newsroom/article/april-is-social-security-month) - Explore the significance of Social Security Month for retirement planning and financial education. Join us for Social Security Month 2024.
- [Your Financial Future: Benefits of Professional Investment Advice](https://www.davidlerner.com/newsroom/article/your-financial-future-benefits-of-professional-investment-advice) - Discover the game-changing benefits of professional investment advice and working with an investment counselor for personalized financial planning.
- [The Importance of Long-Term Care Insurance](https://www.davidlerner.com/newsroom/article/the-importance-of-long-term-care-insurance) - Understand the importance of long-term care insurance, explore coverage options, and safeguard your financial security in retirement.
- [Maximizing Retirement Spending: A U-Shaped Curve Approach](https://www.davidlerner.com/newsroom/article/maximizing-retirement-spending-a-u-shaped-curve-approach) - Understand the U-shaped curve of retirement spending and learn how to maximize your retirement funds.
- [May is Older Americans Month](https://www.davidlerner.com/newsroom/article/may-is-older-americans-month) - Join us in honoring the contributions of older adults during Older Americans Month 2024.
- [Life Insurance Day 2024](https://www.davidlerner.com/newsroom/article/life-insurance-day-2024) - When it comes to topics that are often avoided, planning for the future after you're gone is one of the most enormous elephants in the room. Though it may not be a pleasant subject, it's crucial for safeguarding your family's financial future. That’s reason enough to add Life Insurance Day to the calendar. While a
- [April is Financial Literacy Month](https://www.davidlerner.com/newsroom/article/april-financial-literacy-month) - Uncover Financial Literacy Month's importance in wise money management. Join us for Financial Literacy Month, empowering financial journeys.
- [Small Business Week 2024](https://www.davidlerner.com/newsroom/article/small-business-week-2024) - Celebrate Small Business Week 2024 from April 28 to May 4! Learn about its history, how to get involved, and ideas for participation.
- [Designating a Beneficiary for Life Insurance](https://www.davidlerner.com/newsroom/article/designating-a-beneficiary-for-life-insurance) - Learn the importance of naming beneficiaries for life insurance policies. Understand the legal considerations and steps involved in designating beneficiaries.
- [There's Still Time to Fund an IRA for 2023](https://www.davidlerner.com/newsroom/article/theres-still-time-to-fund-an-ira-for-2023) - Learn about making last-minute IRA contributions before the tax deadline. Understand key considerations for maximizing retirement savings.
- [6 Ways to Plan Out Your Summer](https://www.davidlerner.com/newsroom/article/plan-out-your-summer) - Plan out your summer stress-free with budgeting tips, family activities, and financial strategies. Start your planning journey today!
- [Why Personal Finance Is Important?](https://www.davidlerner.com/newsroom/article/why-personal-finance-is-important) - When someone mentions personal finance, you probably think of budgeting and trying to pay off debt. But it goes beyond that.
- [College Finance Essentials: Your Roadmap to Financial Confidence](https://www.davidlerner.com/newsroom/article/college-finance-essentials-2) - Discover College Finance Essentials: Your guide to mastering financial literacy for students. Start managing your college finances effectively today!
- [Tips for Using a Credit Card Responsibly](https://www.davidlerner.com/newsroom/article/tips-for-using-a-credit-card-responsibly) - Credit cards aren’t just for shopping.
- [Money Smart Week 2024](https://www.davidlerner.com/newsroom/article/money-smart-week-2024) - Discover the importance of Money Smart Week for enhancing financial literacy and empowering individuals to achieve their financial goals.
- [Financial Resilience in 2024: Navigating Retirement](https://www.davidlerner.com/newsroom/article/financial-resilience-in-2024-navigating-retirement) - Discover strategies for financial resilience and a resilient retirement with expert guidance from David Lerner Associates. Secure your future now!
- [David Lerner Associates Police Appreciation Run Scheduled for June 27th](https://www.davidlerner.com/newsroom/article/david-lerner-associates-police-appreciation-run-scheduled-for-june-27th) - David Lerner Associates sponsors the 33rd Annual Police Appreciation Run on June 27th.
- [The Financial Literacy Gap for Women](https://www.davidlerner.com/newsroom/article/the-financial-literacy-gap-for-women) - Discover the importance of bridging the financial literacy gap. Explore challenges, investment trends, and strategies for achieving independence.
- [Retirement Timing and Social Security Collection](https://www.davidlerner.com/newsroom/article/retirement-timing-and-social-security-collection) - Later in life, individuals are faced with big decisions that affect their financial well-being and quality of life. Among these decisions, two stand out as major milestones:
- [Supporting Heros: Running Club and David Lerner Associates Donate to Police Family](https://www.davidlerner.com/newsroom/article/supporting-heros-running-club-and-david-lerner-associates-donate-to-police-family) - Explore how Running Club and David Lerner Associates join forces to support the police family. Learn about their donation and commitment to community outreach.
- [Preparing for the Unexpected in Retirement](https://www.davidlerner.com/newsroom/article/preparing-for-the-unexpected-in-retirement) - Retirement is a significant life transition, a time when individuals seek to enjoy the fruits of their labor and explore new interests. It’s a time to embrace a more leisurely lifestyle. However, the prospect of the unexpected in retirement—whether it's financial challenges, health issues, or unforeseen events—can cast a shadow over this period. To navigate
- [Presidents' Day: Financial Lessons from Our Presidents](https://www.davidlerner.com/newsroom/article/presidents-day-financial-lessons-from-our-presidents) - As the calendar turns to February, Presidents' Day graces us on the third Monday of February. In 2024, this day of commemoration falls on February 19, providing an opportunity to reflect on the financial legacies left by those who steered the nation through its different eras.
- [Women: The Importance of Financial Literacy](https://www.davidlerner.com/newsroom/article/women-the-importance-of-financial-literacy) - Discover the importance of financial literacy for women. Learn how to empower yourself financially and plan for the future effectively
- [Saving and Investing Tips](https://www.davidlerner.com/newsroom/article/saving-and-investing-tips) - Unlock top saving and investing tips: budgeting, goal setting, retirement accounts, automated savings. Expert advice from David Lerner Associates.
- [Tax-Smart Investing: A Beginner's Guide to Maximizing Returns](https://www.davidlerner.com/newsroom/article/tax-smart-investing-a-beginners-guide-to-maximizing-returns) - Tax-smart investing: Strategically navigating finances to preserve earnings and build lasting wealth despite market challenges and tax factors.
- [SECURE 2.0 Provides New Retirement Savings Options in 2024](https://www.davidlerner.com/newsroom/article/31321) - Discover the latest updates on retirement savings with the SECURE 2.0 Act changes. Stay informed for a secure financial future!
- [Transfer of Clean Vehicle Tax Credit to Dealer as Payment for the Vehicle](https://www.davidlerner.com/newsroom/article/transfer-of-clean-vehicle-tax-credit-to-dealer-as-payment-for-the-vehicle) - Learn how to transfer clean vehicle tax credits for immediate financial benefits. IRS guidance provided.
- [A Millennial's Guide to Freelancing: Navigating the Gig Economy](https://www.davidlerner.com/newsroom/article/a-millennials-guide-to-freelancing-navigating-the-gig-economy) - Discover the ultimate Millennial's Guide to Freelancing in the Gig Economy. Start your journey to success today with navigating the gig economy!
- [Remote Work and Retirement](https://www.davidlerner.com/newsroom/article/remote-work-and-retirement) - Discover how remote work shapes retirement choices. Learn about its impact on retirees. Explore in 'Remote Work and Retirement'.
- [Navigating Inflation in Retirement: Strategies for 2024](https://www.davidlerner.com/newsroom/article/navigating-inflation-in-retirement) - Explore expert strategies for navigating inflation in retirement in 2024. Protect your savings with investment insights and cost-saving measures.
- [Rebuilding Finances after Unexpected Expenses in 2024](https://www.davidlerner.com/newsroom/article/rebuilding-finances-after-unexpected-expenses-in-2024) - The Great Reset: Rebuilding Financial Health After Unexpected Expenses 2024 Life has a way of throwing unexpected curveballs, and when it comes to your finances, unforeseen expenses can be particularly challenging. 2023 has been a challenge for many Americans. The cost of living crisis and inflation caused people to spend more than they intended. Research
- [Navigating the Post-Pandemic Economy: Smart Financial Moves Ahead](https://www.davidlerner.com/newsroom/article/navigating-the-post-pandemic-economy-smart-financial-moves-ahead) - As the world continues to recover from the effects of the pandemic, the economic landscape is evolving, presenting both challenges and opportunities. Navigating the post-pandemic economy requires a strategic approach to personal finance. Whether you're an individual, a family, or a business owner, here are some smart money moves to consider for the year ahead.
- [Retirement Ready: Essential Steps for 2024 Financial Future](https://www.davidlerner.com/newsroom/article/retirement-ready-essential-steps-for-2024-financial-future) - Ensuring a Comfortable Financial Future Retirement symbolizes a new phase in life—an era to relish the rewards of hard work and explore personal interests. "To secure a comfortable financial future in 2024 and beyond, it's crucial to take steps toward preparing for retirement," highlights Michael Norton, Senior Vice President of David Lerner Associates. These steps,
- [Maximizing Your Returns – Top Tax Deduction Strategies for Investors](https://www.davidlerner.com/newsroom/article/maximizing-your-returns) - Explore effective tax deduction strategies to optimize your finances. Learn how to minimize tax liabilities with expert advice from David Lerner Associates.
- [Global Money Week: Empowering Financial Futures](https://www.davidlerner.com/newsroom/article/global-money-week) - Empower youth with financial literacy during Global Money Week 2024. Join David Lerner Associates in educating the next generation for a prosperous future.
- [Debt Awareness Week – March 25-31](https://www.davidlerner.com/newsroom/article/debt-awareness-week) - "Discover the importance of financial literacy during Debt Awareness Week. Learn essential skills for managing college finances effectively. Dive in now!"
- [Tax Season News and Survival Tips](https://www.davidlerner.com/newsroom/article/tax-season-news-and-survival-tips) - Navigate tax season with ease! Learn about marginal rates, deductions, and avoiding scams in our comprehensive guide. Don't miss out!
- [Modern Women's Financial Wellness in 2024](https://www.davidlerner.com/newsroom/article/womens-financial-wellness) - Unlock financial empowerment with tailored strategies for Women's Financial Wellness in 2024. From equal pay negotiation to family planning, secure your future
- [What is Hybrid Life Insurance?](https://www.davidlerner.com/newsroom/article/what-is-hybrid-life-insurance) - Explore hybrid life insurance policies that combine life insurance and long-term care coverage for comprehensive financial protection.
- [Running Club and David Lerner Associates Donate Funds to Police Family](https://www.davidlerner.com/newsroom/article/running-club-and-david-lerner-associates-donate-funds-to-police-family) - Explore how Running Club and David Lerner Associates join forces to support the police family. Learn about their donation and commitment to community outreach.
- [Basics of Personal Finance](https://www.davidlerner.com/newsroom/article/basics-of-personal-finance-rafe-klein) - Personal finance tips abound on the internet, and it can be difficult to sift through the noise sometimes.
- [Redefining Retirement: Income Strategies for Today's Savers](https://www.davidlerner.com/newsroom/article/redefining-retirement-income-strategies-for-todays-savers) - People are looking for new ways to ensure financial security in retirement beyond pensions and Social Security. In today's rapidly evolving financial landscape, there is a need to explore alternative retirement income strategies that go beyond traditional sources.
- [10 Strategies to Supercharge Your Savings in 2024](https://www.davidlerner.com/newsroom/article/10-strategies-to-supercharge-your-savings-in-2024) - As we start a new year, it's a good idea to review our financial goals. This will help us plan for a safer and more successful future. Here are ten strategies for 2024 to enhance your savings, whether it's building an emergency fund, saving for significant purchases, or bolstering your retirement savings. 1. Conduct a
- [Navigating Market Volatility in Your Retirement](https://www.davidlerner.com/newsroom/article/navigating-market-volatility-in-your-retirement) - Market volatility is an inevitable part of investing, but it doesn't have to be a source of stress as you near your golden years. By taking a strategic and measured approach, focusing on long-term goals, and seeking professional advice, you can navigate market fluctuations with confidence.
- [Understanding Retirement Income Taxation](https://www.davidlerner.com/newsroom/article/understanding-retirement-income-taxation) - Retirement planning involves more than just accumulating savings; it requires a comprehensive understanding of how your retirement income will be taxed. As you transition from earning a paycheck to relying on various income streams during retirement, it's essential to be aware of the tax implications.
- [Random Acts of Kindness Day](https://www.davidlerner.com/newsroom/article/random-acts-of-kindness-day) - In a world often bustling with the rigors of everyday life, Random Acts of Kindness Day stands as a beacon of goodwill, urging people to pause and spread kindness in unexpected ways. Kindness embodies selfless compassion and actions prioritizing others before oneself. It fosters a mindset of compassion, leading to gratitude and, in turn, contributing to a sense of happiness.
- [Navigating Tax Identity Theft Week in February](https://www.davidlerner.com/newsroom/article/navigating-tax-identity-theft-week-in-february) - The genesis of Tax Identity Theft Week lies in the escalating sophistication of identity theft in the digital age. The digital era has birthed not only convenience but also vulnerabilities, with cybercriminals devising intricate methods to exploit financial identities. According to the FTC, identity theft ranks among the most frequently reported forms of consumer fraud.
- [After a Surprising 2023, a Cautiously Optimistic Economic Outlook for 2024](https://www.davidlerner.com/newsroom/article/after-a-surprising-2023-a-cautiously-optimistic-economic-outlook-for-2024) - Despite high interest rates and unsettling geopolitical conflict, the U.S. economy outperformed the expectations of most economists in 2023.1 Inflation-adjusted gross domestic product (Real GDP) accelerated to an annualized rate of 5.2% in the third quarter, after growing 2.1% in Q2 and 2.2% in Q1. Inflation, as measured by the 12-month change in the price index for personal consumption expenditures (PCE), was 3.0% in October 2023, after beginning the year at 5.5%.2 The labor market stayed strong in 2023, though it has cooled off a bit. The unemployment rate edged up from 3.4% in January to 3.9% in October, but is still quite low by historical standards.3
- [Behind the Scenes: Unveiling Tax Identity Theft Tactics](https://www.davidlerner.com/newsroom/article/behind-the-scenes-unveiling-tax-identity-theft-tactics) - In the digital era we are in, tax identity theft has emerged as one of the most common cybercrimes. Identity theft can lead to various adverse outcomes, such as financial losses, harm to your credit score, and legal complications. With businesses organizing financial data for filing and consumers waiting for their W-2s to become available, tax identity thieves and scammers posing as the IRS are also gearing up for tax season. In this comprehensive guide, we delve into the insidious world of Tax Identity Theft, unraveling its nuances, understanding its types, and equipping you with crucial strategies to protect yourself.
- [National Set A Good Example Day](https://www.davidlerner.com/newsroom/article/national-set-a-good-example-day) - In a world bustling with diverse influences, a day dedicated to the art of setting a good example carries profound significance. National Set A Good Example Day, a celebration that transcends generations, prompts us to reflect on the impact of our actions. Let's delve into its history, purpose, and ways individuals from all walks of life can participate.
- [Setting A Good Financial Example for Your Kids](https://www.davidlerner.com/newsroom/article/setting-a-good-financial-example-for-your-kids) - Children learn by observing, especially from parents. A wise parental approach is to set a solid financial example, shaping a brighter future for kids.
- [Achieving Early Retirement: Seven Tips for Financial and Mental Preparedness](https://www.davidlerner.com/newsroom/article/achieving-early-retirement-financial-and-mental-preparedness) - The dream of early retirement captivates many folks. The promise of freedom to pursue passions, travel, or simply savor the joy of a leisurely life. Retiring early is a big decision, driven by a desire for adventure, personal projects, or more time with loved ones.
- [Becoming Financially Savvy: Empowering Your Financial Journey](https://www.davidlerner.com/newsroom/article/becoming-financially-savvy-empowering-your-financial-journey) - Being financially savvy is not just an aspiration, it's a necessity, especially in 2024.
- [New Year's Resolutions Week: January 1-7, 2024](https://www.davidlerner.com/newsroom/article/new-years-resolutions-week-january-1-7-2024) - Welcome to a week of fresh starts—New Year's Resolutions Week! While many recognize January 1st as New Year's Day, not everyone realizes the significance of the entire first week of January. This week marks New Year's Resolutions Week, symbolizing a time when individuals actively implement their resolutions for the New Year.
- [Financial Self-Care: Prioritizing Your Well-being in 2024](https://www.davidlerner.com/newsroom/article/financial-self-care-prioritizing-your-well-being-in-2024) - Welcome to a new year, a fresh chapter where your financial well-being takes center stage. As per PwC's 2023 Employee Financial Wellness Survey, stress levels are increasing, with more and more Americans finding it challenging to meet monthly household expenses. Escalating concerns like student loan debt, rising housing and food costs, and general financial insecurity
- [Investing for the Future: Top Financial Trends and Opportunities in 2024](https://www.davidlerner.com/newsroom/article/investing-for-the-future) - As we embark on a new year, the financial landscape is continually evolving, presenting investors with exciting opportunities and trends to explore. Staying ahead of the curve requires a keen eye for emerging developments and a strategic investment approach.
- [Millennial Money: Building Wealth in Your 30s and 40s](https://www.davidlerner.com/newsroom/article/millennial-money-building-wealth-in-your-30s-and-40s) - Building Wealth and Financial Security in Your 30s and 40s “As millennials navigate the unique financial landscape of their 30s and 40s, Martin Walcoe, President & CEO of David Lerner Associates, emphasizes the paramount importance of building wealth and securing financial stability. This pivotal stage in life demands a strategic approach to money matters to
- [Preparing for Retirement in the New Year: Steps to Take Now](https://www.davidlerner.com/newsroom/article/preparing-for-retirement-in-the-new-year-steps-to-take-now) - What does a happy and fulfilling retirement mean to you? To some people, preparing for retirement means transitioning from a full-time job to spending more time with their loved ones. To others, it means pursuing passions or traveling the world. Attaining retirement is a significant life milestone, yet too often, it catches many of us
- [Investment Strategies for the New Year: What to Watch Out For](https://www.davidlerner.com/newsroom/article/investment-strategies-for-the-new-year-what-to-watch-out-for) - With the commencement of the New Year, you've likely crafted a list of resolutions for 2024. Yet, these aspirations often fade into the background as the months unfold. To break this pattern, particularly concerning personal finances, and setting investing strategies in advance is crucial.
- [The New 401(k) Contribution Limits: How to Maximize Your 401(k) in 2024](https://www.davidlerner.com/newsroom/article/maximizing-401k-contribution-limits) - The employer-sponsored 401(k) plan is a fantastic avenue for saving towards retirement. It comes with both short- and long-term tax advantages, the potential perk of an employer match, and generous 401(k) contribution limits. “The IRS does put a cap on how much you can contribute to your 401(k) annually. So, if you're eyeing this route
- [How Annuities Can Provide Lifetime Income for a Secure Retirement](https://www.davidlerner.com/newsroom/article/how-annuities-can-provide-lifetime-income-for-a-secure-retirement) - Given the current economic state, annuities appeal more to consumers looking to maximize their retirement savings.
- [Most Medicare Costs Are Increasing in 2024](https://www.davidlerner.com/newsroom/article/most-medicare-costs-are-increasing-in-2024) - Premiums, deductibles, and coinsurance amounts for Original Medicare generally change every year. Here's a look at some of the costs that will apply in 2024.
- [College Cost Data Released for 2023-2024](https://www.davidlerner.com/newsroom/article/college-cost-data-released-for-2023-2024) - Every year, the College Board releases new college cost data and trends in its annual report. The figures published are average cost figures based on a survey of approximately 4,000 colleges across the country. Over the past 20 years, the average price for tuition, fees, and room and board has increased 38% at public colleges and 29% at private colleges over and above increases in the Consumer Price Index, straining the budgets of many families and leading to widespread student debt.
- [Navigating Tax-Advantaged Accounts for Retirement and College Savings](https://www.davidlerner.com/newsroom/article/navigating-tax-advantaged-accounts-for-retirement-and-college-savings) - Planning for the future requires a strategic approach that not only considers long-term financial goals but also takes advantage of tax-efficient savings vehicles. When it comes to saving for retirement and funding a college education, understanding the tax advantages of specific savings vehicles is essential. There are tax benefits associated with retirement accounts, such as IRAs and employer-sponsored plans, as well as college savings accounts like 529 plans and Coverdell Education Savings Accounts (ESAs).
- [Gen Z, Women: Most Financially Stressed](https://www.davidlerner.com/newsroom/article/gen-z-women-most-financially-stressed) - Money may not buy happiness, but financial stress can take a significant toll on anyone’s mental well-being. From lingering debt to the effects of inflation on basic commodities, financial stress touches every generation — some more than others.
- [Financial Wellness Month: January 2024](https://www.davidlerner.com/newsroom/article/financial-wellness-month-january-2024) - Welcome to a month dedicated to transforming aspirations into financial well-being — Financial Wellness Month. According to findings of a recent survey conducted by Lending Club, as of October 2022, a significant 59 percent of U.S. consumers were navigating their financial lives on a paycheck-to-paycheck basis. This underscores the prevailing economic challenges faced by a
- [How to Find Unclaimed Retirement Benefits](https://www.davidlerner.com/newsroom/article/how-to-find-unclaimed-retirement-benefits) - Many Americans may be unaware they have unclaimed retirement benefits waiting to be rediscovered.
- [Own or Rent in Retirement?](https://www.davidlerner.com/newsroom/article/own-or-rent-in-retirement) - Having a place to live is one thing but having a home you can call your own brings you peace of mind and stability.
- [Investment Scams: Recognizing and Avoiding Financial Fraud](https://www.davidlerner.com/newsroom/article/investment-scams-recognizing-and-avoiding-financial-fraud) - In the world of personal finance and investing, opportunities abound, but so do investment scams. Investment scams are a persistent threat that can leave investors financially devastated. These schemes are designed to lure victims into fraudulent, risky, or even non-existent investments. Almost 70 percent of US households own some type of investment, and every year, thousands of Americans lose millions of dollars to investment fraud. A conservative estimate is that 1 in 10 investors will be victims of fraud at some point in their lives, with seniors being more targeted than younger people
- [How Much Does Long-Term Care Insurance Cost per Month?](https://www.davidlerner.com/newsroom/article/how-much-does-long-term-care-insurance-cost-per-month) - Long-term care insurance is a financial safeguard that helps individuals plan for the expenses associated with extended medical care and support as they age
- [Claiming the Home Energy Audit Tax Credit](https://www.davidlerner.com/newsroom/article/claiming-the-home-energy-audit-tax-credit) - When considering making energy-saving home improvements, it may be helpful to have a home energy audit done. Fortunately, there is a federal income tax credit available equal to 30% of the amount paid for home energy audits, up to $150 per tax year. (There are also credits available for many other energy-saving expenditures.) The IRS has now provided some guidance on what is required to claim the credit for a home energy audit.
- [Do You Have a Forgotten 401(k)?](https://www.davidlerner.com/newsroom/article/do-you-have-a-forgotten-401k) - As of earlier this year, job switchers had left their money in some 29 million 401(k) accounts with former employers. That’s about 25% of the money in all 401(k) plans! This staggering number suggests that many individuals may have forgotten about their retirement savings tucked away in these accounts.
- [Why Financial Independence Is Delayed for Millennials and Gen Z](https://www.davidlerner.com/newsroom/article/why-financial-independence-is-delayed-for-millennials-and-gen-z) - Achieving financial independence has always been a significant milestone in life. However, Millennials and Gen Z are taking longer than expected to achieve this goal. Various factors, including the changing dynamics of family support and low financial confidence, influence this delay. This article explores the reasons for the delayed financial independence of these generations and provides tips for navigating this new landscape
- [Women, HSAs, and Long-Term Care Planning](https://www.davidlerner.com/newsroom/article/women-hsas-and-long-term-care-planning) - Financial planning isn't just about saving for short-term goals. It's also about securing your future. Health Savings Accounts (HSAs) are seen as valuable tools for managing healthcare costs, and women, in particular, should take a closer look at these accounts.
- [Debt Dilemmas 2023: Navigating the Fine Line Between Dreams and Financial Stress](https://www.davidlerner.com/newsroom/article/debt-dilemmas-navigating-dreams-and-financial-stress) - Being in debt can have a detrimental impact on financial well-being, causing stress, limiting future opportunities, and hampering the ability to achieve long-term goals. It often leads to interest payments, reduced disposable income, and a cycle that can be challenging to break free from.
- [Understanding Annuities: A Comprehensive Guide for Retirement Planning](https://www.davidlerner.com/newsroom/article/understanding-annuities-a-comprehensive-guide-for-retirement-planning) - This article will delve into the world of annuities and provide a comprehensive understanding of their features, benefits, and considerations for those contemplating retirement.
- [Looking Toward 2024: Financial Resolutions for a Prosperous Year](https://www.davidlerner.com/newsroom/article/looking-toward-2024-financial-resolutions-for-a-prosperous-year) - As we approach the threshold of a new year, it's the perfect time to reflect on our financial habits. The New Year is a time when we make resolutions that can significantly impact our lives, including our financial well-being. Whether you aim to save more, reduce debt, or invest wisely, setting practical financial resolutions for 2024 is a proactive step toward a prosperous future.
- [The New 401(K) Catch-Up Contribution Changes Coming In 2026](https://www.davidlerner.com/newsroom/article/new-401k-catch-up-contribution-changes) - In December 2022, Congress ushered in the SECURE 2.0 Act, an ambitious piece of legislation aimed at bolstering the retirement prospects of both current and future generations of American workers. This comprehensive act introduced numerous changes, with a particular focus on the rules governing 401(k) catch-up contributions. While the primary objective is to improve retirement outcomes, it's important to understand that these changes might result in increased tax liabilities for millions of Americans.
- [End-of-Year Business Financial Checklist](https://www.davidlerner.com/newsroom/article/end-of-year-business-financial-checklist) - Preparing Your Company for Success in 2024 As the year draws to a close, it's time for businesses to take a moment and assess their financial health. Preparing for the New Year should include a comprehensive financial checklist to ensure your company starts 2024 on the right financial track. This checklist is not only about meeting your tax obligations but also about setting your business up for success.
- [The Power of Charitable Giving: Maximizing the Impact of Year-End Donations](https://www.davidlerner.com/newsroom/article/the-power-of-charitable-giving) - As the holiday season approaches and the year draws to a close, it's not only a time for festive celebrations and giving gifts to loved ones but also a time for charitable giving. How can you make the most of your year-end donations by considering various strategies, including tax benefits?
- [Retirement Planning at Year-End: How to Ensure a Secure Financial Future](https://www.davidlerner.com/newsroom/article/retirement-planning-at-year-end-how-to-ensure-a-secure-financial-future) - Effective year-end retirement planning is essential for securing a comfortable and financially stable future. However, it's essential to approach your retirement planning holistically, considering your overall financial picture and long-term goals. By following the strategies outlined in this comprehensive guide, you can take significant steps toward building a secure financial future that allows you to enjoy your retirement to the fullest.
- [Effective Strategies for Managing Holiday Spending](https://www.davidlerner.com/newsroom/article/effective-strategies-for-managing-holiday-spending) - The holiday season is a time of joy, celebration, and giving. Managing holiday spending can be the last thing on your mind. According to PWC’s Holiday Spending Statistics: 2023 Holiday Outlook, despite the recent inflationary challenges, consumers will increase spending by a healthy 7 percent this year, allotting an average of $1,530 for travel, gifts,
- [International Fraud Awareness Week](https://www.davidlerner.com/newsroom/article/international-fraud-awareness-week) - International Fraud Awareness Week (IFAW) is a global effort aimed at shedding light on fraud through campaigns and educational initiatives, fostering awareness and prevention.
- [National Veterans Small Business Week](https://www.davidlerner.com/newsroom/article/national-veterans-small-business-week) - National Veterans Small Business Week is a dedicated time to recognize and celebrate the contributions of veterans, National Guard and Reserve members, service members, and military spouse entrepreneurs and their impact on the business world.
- [What is Taxable in Non-Taxable Retirement Income?](https://www.davidlerner.com/newsroom/article/what-is-taxable-in-non-taxable-retirement-income) - Retirement is a significant milestone in life, and understanding how retirement income is taxed is essential for planning and maintaining financial security during your golden years. By understanding these distinctions, individuals, and families can make informed decisions to optimize their retirement finances.
- [4 Ways to Achieve a More Financially Secure Retirement](https://www.davidlerner.com/newsroom/article/4-ways-to-achieve-a-more-financially-secure-retirement) - Planning for retirement is a crucial step in securing your financial future. A new study found that 70 percent of Americans plan to retire, but nearly half (42 percent) of them do not think they will have enough savings to do so. When planning for retirement, it’s important to assess how much you have set aside and how it is growing. Surprisingly, a new study revealed that 21 percent of respondents were unaware of how much money they had in their 401K.
- [How to Stay Above Water in This Financial Climate](https://www.davidlerner.com/newsroom/article/how-to-stay-above-water-in-this-financial-climate) - Although some financial pundits are more optimistic about the future, a recession is still expected in 2024. Inflation, the steady increase in prices for goods and services, erodes the purchasing power of money. It's a natural economic phenomenon, but when it accelerates rapidly, it can strain household budgets. Taking charge of your money, staying strong, and seeking help when needed will help you secure a successful future, even in tough times.
- [How Business Women Can Prepare for Retirement](https://www.davidlerner.com/newsroom/article/how-business-women-can-prepare-for-retirement) - While retirement may seem like a distant destination, especially when you’re busy building a career or running a business, it’s essential to start planning early. Men and women may share certain financial goals, but women possess different perspectives and requirements when it comes to saving for their future.
- [Preparing for Healthcare Costs in Retirement](https://www.davidlerner.com/newsroom/article/preparing-for-healthcare-costs-in-retirement) - Retirement planning is like embarking on a journey, and while we often focus on destinations like travel, leisure, or spending time with loved ones, there’s a vital aspect that’s sometimes overlooked—healthcare expenses in retirement. As we age, healthcare costs tend to increase, and being prepared for them is just as important as having a well-paved financial path to your dream retirement.
- [Personal finance lessons for college students](https://www.davidlerner.com/newsroom/article/personal-finance-lessons-for-college-students) - Leaving home and heading for college is exciting and daunting at the same time. A whole new set of responsibilities are thrust upon the shoulders of these young adults. Financial obligations suddenly become real.
- [A Spooky Guide to Avoiding Money Pitfalls](https://www.davidlerner.com/newsroom/article/a-spooky-guide-to-avoiding-money-pitfalls) - October is a month of spooky surprises, and it’s also a time when financial pitfalls can unexpectedly creep up. Let’s take a look at some common financial pitfalls that tend to haunt people during this spooky month and provide tips on how to avoid them.
- [Student Loan Repayments Resumed in October](https://www.davidlerner.com/newsroom/article/student-loan-repayments-resumed-in-october) - After a pause of more than three years, interest on federal student loans resumed on September 1, 2023. This means that in October, more than 43 million Americans will need to start repaying loans.
- [National Retirement Security Month (NRSM)](https://www.davidlerner.com/newsroom/article/national-retirement-security-month-nrsm) - Americans face significant difficulties when it comes to having enough money to last them through retirement. According to the latest CNBC Your Money survey conducted by SurveyMonkey, more than half (56 percent) of Americans agree they’re not on track to retire comfortably.
- [International Strategic Planning Month](https://www.davidlerner.com/newsroom/article/international-strategic-planning-month) - Strategic planning is a vital process that applies at all stages of a company’s existence. It helps in pinpointing priorities, resource allocation, and steering the company towards success. Whether it’s for short-term projects or long-term objectives, having a strategic plan is essential.
- [October is Financial Planning Month](https://www.davidlerner.com/newsroom/article/october-is-financial-planning-month-2) - Only 33% of Americans have a written financial plan, according to Schwab's Modern Wealth Survey. Of the rest, almost half said they didn't have enough money to make a plan worthwhile. Others said it was too complicated, or they didn't have time to develop a plan.
- [Revamped FAFSA Streamlining College Aid in 2024-25](https://www.davidlerner.com/newsroom/article/revamped-fafsa-streamlining-college-aid-in-2024-25) - Big changes are coming to the FAFSA application, for the 2024-25 cycle! In a significant development for prospective college students across the United States, an eagerly awaited, user-friendly version of the FAFSA (Free Application for Federal Student Aid) is set to debut later this year.
- [SECURE 2.0 Aims to Brighten the Future for Retirement Savers](https://www.davidlerner.com/newsroom/article/secure-2-0-aims-to-brighten-the-future-for-retirement-savers) - The $1.7 trillion appropriations bill passed by Congress at the end of last year included some notable provisions affecting workplace retirement plans and IRAs. Dubbed the SECURE 2.0 Act of 2022, the new legislation builds on the sweeping Setting Every Community Up for Retirement Enhancement Act that was passed in 2019.
- [U.S. Economy: Soft Landing or Delayed Recession?](https://www.davidlerner.com/newsroom/article/u-s-economy-soft-landing-or-delayed-recession) - Economists have been predicting a recession for the U.S. economy ever since the Federal Reserve began aggressively raising interest rates in 2022. This is Econ 101. High interest rates, which make it more expensive to borrow, are intended to tame inflation by slowing business and consumer spending.
- [Department of Education Launches New SAVE Income-Driven Repayment Plan](https://www.davidlerner.com/newsroom/article/repayment-plan) - The Department of Education recently launched the most generous federal student loan income-driven repayment (IDR) plan to date — the Saving on a Valuable Education (SAVE) Plan.
- [National Business Women's Week: October 15th - October 21st](https://www.davidlerner.com/newsroom/article/national-business-womens-week-october-15th-october-21st) - Women in the United States continue to make significant strides in business and other aspects of American life. According to the Census Bureau, as of 2019, there were over 13 million women-owned firms in the US, employing approximately 9 million people and generating $1.8 trillion in sales.
- [Financial Literacy: Navigating Your Financial Journey](https://www.davidlerner.com/newsroom/article/financial-literacy-navigating-your-financial-journey) - Financial literacy is the empowering knowledge and skills needed to make informed decisions about money, investments, and personal finances. It's the key to mastering your financial present and securing a more prosperous future.
- [Financial Planning Week: October 2nd - October 8th](https://www.davidlerner.com/newsroom/article/financial-planning-week-october-2nd-october-8th) - Every year, Financial Planning Week is celebrated to raise awareness about the importance of financial planning, practical financial plans, and working with certified financial planners among American consumers.
- [Are Investing and Saving the same?](https://www.davidlerner.com/newsroom/article/are-investing-and-saving-the-same) - Money can seem complicated especially when people use terms you don’t understand. Your financial success is important. Recent research shows that over one in three Americans (36 percent) lack financial literacy.
- [How Do College Savings Accounts Work?](https://www.davidlerner.com/newsroom/article/how-do-college-savings-accounts-work) - College savings accounts, like 529 Plans and Coverdell ESAs, let you save money for education with tax benefits. When used for qualified expenses such as tuition and books, withdrawals are tax-free. Choose the right account, watch your savings grow, and ensure a smoother path to higher education.
- [Strategies for Catching Up on Retirement Savings in Your 40s and 50s](https://www.davidlerner.com/newsroom/article/strategies-for-catching-up-on-retirement-savings-in-your-40s-and-50s) - In an ideal world, you diligently set aside a substantial portion of your annual income in a retirement account. Over time, this money would accrue interest, compounds its growth, and ultimately positions you to enjoy a comfortable retirement, perhaps even an early one.
- [When to Invest Your Savings?](https://www.davidlerner.com/newsroom/article/when-to-invest-your-savings) - Investing your money when you have a big goal, enough savings for emergencies, and know how much risk you can handle. Avoid investing when burdened with high-interest debt or facing short-term financial needs.
- [American Business Women's Day: September 22](https://www.davidlerner.com/newsroom/article/american-business-womens-day-september-22) - American Business Women's Day is a special occasion dedicated to recognizing the accomplishments and contributions of women in the business world.
- [Exploring Alternative Ways to Save for College Beyond the 529 Plan](https://www.davidlerner.com/newsroom/article/alternative-ways-save-college-beyond-the-529-plan) - The recent Wharton study on 529 college savings plans revealed that a significant number of people have invested in suboptimal plans.
- [What Can a College Savings Plan Be Used For?](https://www.davidlerner.com/newsroom/article/what-can-a-college-savings-plan-be-used-for) - In this article, we explore the versatility and potential of a 529 College Savings Plan, shedding light on the essential expenses it covers and ensuring that your loved ones have the necessary financial support to thrive during their college years.
- [What Retirement Account is Tax-Free?](https://www.davidlerner.com/newsroom/article/what-retirement-account-is-tax-free) - Discover the benefits and understanding of Tax-Free Retirement Accounts for maximizing your savings for the future.
- [Navigating Teachers' Retirement](https://www.davidlerner.com/newsroom/article/navigating-teachers-retirement) - Retirement planning is a critical aspect of every individual's financial journey, and for teachers, it carries its own unique considerations.
- [Creating a Financial Blueprint](https://www.davidlerner.com/newsroom/article/creating-a-financial-blueprint) - This article explores the blueprint of building your financial house, guiding you through each step to create a sound and sustainable financial future.
- [Benefits and Drawbacks of Investing in a 529 Plan](https://www.davidlerner.com/newsroom/article/benefits-and-drawbacks-of-investing-in-a-529-plan) - This article explores the benefits and potential downsides of investing in a 529 Plan, equipping you with the knowledge to make informed choices and secure a brighter future for your kids.
- [Will College Savings Affect Financial Aid?](https://www.davidlerner.com/newsroom/article/will-college-savings-affect-financial-aid) - In this article, we delve into The Impact of College Savings on Financial Aid: Navigating the Path to Higher Education.
- [Are College Savings an Asset?](https://www.davidlerner.com/newsroom/article/are-college-savings-an-asset) - As families plan for their children's higher education, one question that often arises is whether college savings should be considered an asset.
- [When Should You Start Saving for College Fees?](https://www.davidlerner.com/newsroom/article/when-should-you-start-saving-for-college-fees) - This article explores the best time to begin saving for college fees, highlighting the benefits of early preparation for achieving your financial goals.
- [How Different Generations View Financial Stability](https://www.davidlerner.com/newsroom/article/how-different-generations-view-financial-stability) - This article delves into the survey findings to explore the contrasting perspectives across Gen Z, Millennials, Gen X, and Baby Boomers.
- [Why Women Have Less 401(k) Savings than Men on Average](https://www.davidlerner.com/newsroom/article/why-women-have-less-401k-savings-than-men-on-average) - In this article, we delve into the key reasons why, despite women having better saving habits (consistently enrolling in their plans at higher rates and contributing a bigger cut of their paychecks) , they tend to have less 401(k) savings on average.
- [8 Money Tips for Young Adults](https://www.davidlerner.com/newsroom/article/8-money-tips-for-young-adults) - Money challenges are a major source of stress for most adults. When you are financially literate you can avoid these challenges.
- [David Lerner Associates:  Insurance Issues for Married Couples](https://www.davidlerner.com/newsroom/article/david-lerner-associates-insurance-issues-for-married-couples) - It may seem like an odd thing to worry about when you are just starting out together, but the lack of adequate insurance protection can lead to financial disaster in the future
- [New Clean Vehicle Tax Credit Guidance Issued](https://www.davidlerner.com/newsroom/article/new-clean-vehicle-tax-credit-guidance-issued) - Assuming other requirements are met, the amount of the credit will generally be the full $7,500 for new clean vehicles (other than fuel cell vehicles) as long as both the critical minerals and battery components requirements are met
- [How to Make Sure Your Retirement Assets Last as Long as You Do](https://www.davidlerner.com/newsroom/article/how-to-make-sure-your-retirement-assets-last-as-long-as-you-do) - This article explores 6 key strategies to help you ensure your retirement corpus doesn’t deplete prematurely.
- [RMD Relief and Guidance for 2023](https://www.davidlerner.com/newsroom/article/rmd-relief-and-guidance-for-2023) - In early 2022, the IRS issued proposed regulations regarding required minimum distributions (RMDs) to reflect changes made by the Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019.
- [May: National Teen Self-Esteem Month](https://www.davidlerner.com/newsroom/article/may-national-teen-self-esteem-month) - May is National Teen Self-Esteem Month. Spread the word about the significance of making sure our teens have self-confidence.
- [9 Personal Finance Tools and Resources for Women](https://www.davidlerner.com/newsroom/article/9-personal-finance-tools-and-resources-for-women) - We prepared this guide so you can easily find the best financial tools and resources for women that suit their unique needs.
- [Women and Financial Literacy](https://www.davidlerner.com/newsroom/article/women-and-financial-literacy-3) - According to studies, women are falling far behind men in financial literacy. Not that men are all that much more impressive either Men apparently do not know much about the topic either.
- [Social Security Day: Aug 14th](https://www.davidlerner.com/newsroom/article/social-security-day-aug-14th) - Since its inception, Social Security has become a cornerstone of American society, offering financial support and security to millions of retirees, disabled individuals, and surviving family members. History of Social Security Day The roots of the United States Social Security system can be traced back to 1935 when President Franklin Roosevelt signed it into law.
- [5 Strategies for Maximizing Your College Savings](https://www.davidlerner.com/newsroom/article/5-strategies-for-maximizing-your-college-savings) - Pursuing higher education is a dream for many individuals, but the rising costs of college can often be a major roadblock. However, with careful planning and strategic thinking, you can set yourself up for success and maximize your college savings. These five effective strategies can help you make the most of your savings and achieve
- [Young Investors Prefer Humans for Financial Advice](https://www.davidlerner.com/newsroom/article/young-investors-prefer-humans-for-financial-advice) - Millennials have grown up, and according to 2021 survey findings by the Natixis Investment Managers, they are the focused, financially disciplined, and responsible adults in the room. The oldest members of the generation are now in their 40s and entering their peak earning years. They’ve witnessed historical events like the Great Recession, 9/11, the tech
- [Why Retirees Are Expected to Sell Their Homes in These Cities](https://www.davidlerner.com/newsroom/article/why-retirees-are-expected-to-sell-their-homes-in-these-cities) - By moving houses, the average American over 60 can unlock approximately $100k of home equity. But, where in the US are retirees expected to sell their homes?
- [Retirement Planning for Small Business Owners](https://www.davidlerner.com/newsroom/article/retirement-planning-for-small-business-owners) - These tips will help small business owners create a comfortable retirement and take control of their financial future.
- [The High Cost of College](https://www.davidlerner.com/newsroom/article/the-high-cost-of-college) - Going to college is an expensive proposition in the United States. The cost of college education in the United States has been skyrocketing in recent years. According to the College Board, a moderate college budget for an in-state student attending a four-year public college in 2022-2023 averages $27,940! For out-of-state students at public colleges, the
- [Estate Planning Essentials for a Smooth Retirement Transition](https://www.davidlerner.com/newsroom/article/estate-planning-essentials-for-a-smooth-retirement-transition) - If you’re considering retiring in the next 10 years, now is a great time to start estate planning!
- [Financial Advice for Graduates](https://www.davidlerner.com/newsroom/article/financial-advice-for-graduates) - For all the knowledge higher education imparts to you, it’s unfortunate that many college graduates leave knowing little about personal finance.
- [Diversification: Don’t Put All Your Eggs in One Basket](https://www.davidlerner.com/newsroom/article/diversification-dont-put-all-your-eggs-in-one-basket) - Putting all your money into a single investment is like having all your eggs in one basket. It's a risky proposition.
- [Financial Literacy is a Critical Skill](https://www.davidlerner.com/newsroom/article/financial-literacy-is-a-critical-skill) - Financial literacy is a critical skill that every person should possess. It’s never too late to improve your financial knowledge.
- [Fiscal Responsibility Act of 2023](https://www.davidlerner.com/newsroom/article/fiscal-responsibility-act-of-2023) - The Fiscal Responsibility Act of 2023 suspends the federal debt ceiling until Jan 2025 and includes a number of spending cuts. Here are some significant provisions in the legislation
- [Baby Boomer Retirement Savings: How Do You Stack Up?](https://www.davidlerner.com/newsroom/article/baby-boomer-retirement-savings-how-do-you-stack-up) - Insufficient retirement income paints a gloomy picture for many boomers. Many in this generation have already started to tap into their retirement savings, while the rest still have a few more working years to grow their nest egg.
- [Balancing Retirement and College Savings](https://www.davidlerner.com/newsroom/article/balancing-retirement-and-college-savings) - Ultimately, finding the right balance between retirement and college savings requires flexibility. It's important to regularly reassess and adjust the financial plan as circumstances change.
- [Retirees Must Be ‘CEOs’ of Their Personal Finances](https://www.davidlerner.com/newsroom/article/retirees-must-be-ceos-of-their-personal-finances) - We have prepared this guide for retirees who want to be the CEO of their personal finances and enjoy the fruits of their labor.
- [Annuities in 2023 Exploring the Benefits and Considerations](https://www.davidlerner.com/newsroom/article/annuities-in-2023-exploring-the-benefits-and-considerations) - Annuities have long been recognized as a popular choice among individuals seeking financial security during their golden years.
- [National Homeownership Month – June 2023](https://www.davidlerner.com/newsroom/article/national-homeownership-month-june-2023) - Did you know that homeownership in the United States has a dedicated month to honor it? National Homeownership Month, raises awareness of the many benefits of homeownership.
- [9 Money Tips New Graduates Should Know](https://www.davidlerner.com/newsroom/article/9-money-tips-new-graduates-should-know) - This article explores 9 essential money tips that every new graduate should know.
- [Top Retirement Trends for 2023](https://www.davidlerner.com/newsroom/article/top-retirement-trends-for-2023) - Surging inflation, market volatility, and a looming recession continue to smash retirement savings accounts and leave older Americans and those saving for their sunset years battered by prices of basic commodities, including food and gas. According to a 2022 study published by Allianz Life, 54 percent of Americans reported either reducing or fully discontinuing retirement saving
- [Understanding (and Closing) the Gender Investing Gap](https://www.davidlerner.com/newsroom/article/understanding-and-closing-the-gender-investing-gap) - After being locked out of the investing world for centuries, women have proven to be successful investors. According to a 2021 study by Fidelity, not only do women consistently earn higher returns than men, but they are also able to add more to their account balances over time. There’s just one problem: In spite of
- [Closing the Gender Gap in Investing](https://www.davidlerner.com/newsroom/article/closing-the-gender-gap-in-investing) - Gender equality and improving women's financial security need to be addressed.
- [Expecting a Recession? 7 Steps to Help You Power Through](https://www.davidlerner.com/newsroom/article/expecting-a-recession-7-steps-to-help-you-power-through) - This article discusses seven steps that can help you weather a recession and come out stronger on the other side.
- [6 Reasons to Work with a Financial Professional](https://www.davidlerner.com/newsroom/article/6-reasons-to-work-with-a-financial-professional) - No matter what stage of life you’re in you could probably benefit from working with a financial professional. Here are six reasons why: You don’t know what you don’t know. Managing your finances on a day-to-day basis is one thing, but implementing a long-term, comprehensive financial plan that can fund your retirement and fulfil other
- [Digital Financial Planning Can Make Life Easier](https://www.davidlerner.com/newsroom/article/digital-financial-planning-can-make-life-easier) - Learning to take advantage of digital financial planning apps can help you stay on track with your financial goals and make sure your money is working for you.
- [Determining the Best 529 Plan for You](https://www.davidlerner.com/newsroom/article/determining-the-best-529-plan-for-you) - A 529 plan is a tax-advantaged investment account that helps families save for college expenses.
- [Millennials and Gen Zers Get Financial Advice from Social Media](https://www.davidlerner.com/newsroom/article/millennials-and-gen-zers-get-financial-advice-from-social-media) - Millennials and Gen Zers are facing an economic situation that grows gradually bleak.
- [Economy and Climate Change](https://www.davidlerner.com/newsroom/article/economy-and-climate-change) - Climate change may have some unexpected effects. A 2°C increase in temperature could cause the United States to lose about 0.5 percent of GDP.
- [Financial Planning Gets You to Your Goals](https://www.davidlerner.com/newsroom/article/financial-planning-gets-you-to-your-goals) - Every year on the first Wednesday in October, World Financial Planning Day is held to raise awareness about the importance of financial planning.
- [The Financial Habits of Super Savers](https://www.davidlerner.com/newsroom/article/the-financial-habits-of-super-savers) - A new study has found that the group referred to as “super-savers” is right on track with their retirement savings plans.
- [Retirement Security at Risk](https://www.davidlerner.com/newsroom/article/retirement-security-at-risk) - We live in an age where most Americans are expected to be responsible for their own retirement income.
- [Women and Retirement Planning](https://www.davidlerner.com/newsroom/article/women-and-retirement-planning) - Many women in America take an active role in managing their household finances.
- [Keep Tabs on Your Credit Score](https://www.davidlerner.com/newsroom/article/keep-tabs-on-your-credit-score) - On October 20 this year, the National Get Smart About Credit Day will take place.
- [Work, Family, and Finances](https://www.davidlerner.com/newsroom/article/work-family-and-finances) - Families depend on the income from their parents for their financial survival.
- [Women in Business](https://www.davidlerner.com/newsroom/article/women-in-business) - The third week of October is National Businesswomen’s Week.
- [The Financial Aspect of Intergeneration Month](https://www.davidlerner.com/newsroom/article/the-financial-aspect-of-intergeneration-month) - The purpose of this awareness month is to encourage people of all ages to connect with others from different generations.
- [Money Management Causes Stress and Anxiety](https://www.davidlerner.com/newsroom/article/money-management-causes-stress-and-anxiety) - No matter what stage of life you’re in, you need to be sure that you have control of your money, or it will soon control you.
- [Plan Your Retirement Savings According to Your Individual Needs](https://www.davidlerner.com/newsroom/article/plan-your-retirement-savings-according-to-your-individual-needs) - Each person is an individual with very specific needs and desires. Just look around you and you can easily see that this is true.
- [How to Plan a Retirement Budget](https://www.davidlerner.com/newsroom/article/how-to-plan-a-retirement-budget) - The cost of living plays the biggest role in how far you can stretch your retirement income.
- [How to Keep Savings on Track Despite Inflation](https://www.davidlerner.com/newsroom/article/how-to-keep-savings-on-track-despite-inflation) - If you’ve noticed that your grocery bill has increased despite purchasing the same amount of food that is more expensive than it was last year, you’re witnessing the outcomes of the country’s latest inflation surge.
- [Should I Purchase Life Insurance with an LTC Rider?](https://www.davidlerner.com/newsroom/article/should-i-purchase-life-insurance-with-an-ltc-rider) - November is National Long-Term Care Awareness month.
- [Women Entrepreneurs in the US](https://www.davidlerner.com/newsroom/article/women-entrepreneurs-in-the-us) - Five decades ago, the idea of a female entrepreneur running her own business would have seemed ambitious at best.
- [Your Emergency Fund Will Be Even More Important In 2023](https://www.davidlerner.com/newsroom/article/your-emergency-fund-will-be-even-more-important-in-2023) - As inflation pressures continue to weigh on the U.S. economy, your emergency fund just got promoted to “stat” status.
- [College savings in America](https://www.davidlerner.com/newsroom/article/college-savings-in-america) - Saving for college is something that affects people all over the country and across age groups.
- [The Most Important Moves in Retirement Occur in Your 50s](https://www.davidlerner.com/newsroom/article/the-most-important-moves-in-retirement-occur-in-your-50s) - For most Americans, retirement is something that will happen “one day.” But that “one day” becomes a lot more real the decade before you retire.
- [Strategies to Save More In 2023](https://www.davidlerner.com/newsroom/article/strategies-to-save-more-in-2023) - Saving money is such a simple concept: Spend less than you earn and put the difference in a savings account.
- [Most tax-friendly states for retirement 2022](https://www.davidlerner.com/newsroom/article/most-tax-friendly-states-for-retirement-2022) - Retirement is a time in your life that should be free from worry and stress.
- [Are Retirement Accounts Protected from Creditors?](https://www.davidlerner.com/newsroom/article/are-retirement-accounts-protected-from-creditors) - One reason to focus on clearing debts before you retire is the worry that creditors may see retirement accounts as the money, they could garnish them.
- [When to Switch Medicare Plans](https://www.davidlerner.com/newsroom/article/when-to-switch-medicare-plans) - If you have a Medicare plan then you have a few months to make a change.
- [Are retirement accounts marital property?](https://www.davidlerner.com/newsroom/article/are-retirement-accounts-marital-property) - Ending a marriage can be a very painful experience. Years spent married to another means you also gather financial responsibilities together.
- [College Savings for Your Child](https://www.davidlerner.com/newsroom/article/college-savings-for-your-child) - Saving money for your child’s college is a way to try and guarantee them a better lifestyle as they age.
- [Should You Take Early Retirement?](https://www.davidlerner.com/newsroom/article/should-you-take-early-retirement) - Retiring early is a serious decision. It is something that should not be undertaken lightly as it has far-reaching implications.
- [Seniors and Retirees Can Breathe Easier in 2023](https://www.davidlerner.com/newsroom/article/seniors-and-retirees-can-breathe-easier-in-2023) - As we head towards 2023, and the cost-of-living keeps increasing, things have looked worrying for many older Americans.
- [The Spiritual Side of Retirement](https://www.davidlerner.com/newsroom/article/the-spiritual-side-of-retirement) - Deciding to stop working means you are going to have a significant shift in your life.
- [End-of-Year Financial Check Up](https://www.davidlerner.com/newsroom/article/end-of-year-financial-check-up) - You may visit your doctor once a year to make sure everything is well, but there’s something else to add to the calendar: an annual financial checkup!
- [New Retirement Plan Contribution Limits 2023](https://www.davidlerner.com/newsroom/article/new-retirement-plan-contribution-limits-2023) - 2023 looks to be a difficult year as inflation and the cost of living had affected everyone.
- [11 Retirement Planning Mistakes People Make in Their 20s and 30s](https://www.davidlerner.com/newsroom/article/11-retirement-planning-mistakes-people-make-in-their-20s-and-30s) - The rate of adults ages 65+ who filed for bankruptcy more than doubled since 1991.
- [Is a College Degree ROI-Positive?](https://www.davidlerner.com/newsroom/article/is-a-college-degree-roi-positive) - For the past 50 years, a four-year college degree has been seen as ROI-positive because of the increased earning power it affords.
- [8 Golden Rules of Investing](https://www.davidlerner.com/newsroom/article/8-golden-rules-of-investing) - With financial security, investing is a key part of building wealth.
- [Retiring in Phases](https://www.davidlerner.com/newsroom/article/retiring-in-phases) - Retirement is a huge step–it involves so many changes in your lifestyle.
- [How to Manage Longevity Risk and Inflation in a Volatile Market](https://www.davidlerner.com/newsroom/article/how-to-manage-longevity-risk-and-inflation-in-a-volatile-market) - Longevity risk and inflation are two of the biggest risks retirees face, meaning they should carefully plan ways to access guaranteed income over the course of their retirement years.
- [The Golden Question of Retirement Planning](https://www.davidlerner.com/newsroom/article/the-golden-question-of-retirement-planning) - Retirement planning may be the furthest thing from your mind. But if retirement is decades away, you’re in the best possible position to start planning now!
- [How to Invest During a Recession](https://www.davidlerner.com/newsroom/article/how-to-invest-during-a-recession) - The recession alarms have been sounding a lot in 2022, causing many investors to be worried about how to invest during a recession.
- [A Guide to Holiday Spending](https://www.davidlerner.com/newsroom/article/a-guide-to-holiday-spending) - Every year, millions of Americans spend hundreds of dollars on holiday gifts and goodies.
- [Get Financially Healthy in 2023](https://www.davidlerner.com/newsroom/article/get-financially-healthy-in-2023) - The start of the New Year should be a time to reevaluate your finances.
- [Buying a home in your 60’s](https://www.davidlerner.com/newsroom/article/buying-a-home-in-your-60s) - Even if you are in your sixties and retirement is just around the corner, it’s not too late to buy a house.
- [Nothing saved for retirement? What next?](https://www.davidlerner.com/newsroom/article/nothing-saved-for-retirement-what-next) - If you are in your late 40s, you may be concerned about your financial planning for your golden years
- [Top 5 Financial Worries for 2023](https://www.davidlerner.com/newsroom/article/top-5-financial-worries-for-2023) - Many of us are happy to say goodbye to a difficult year, 2022. However, 2023 looks set to be challenging on its own.
- [The COLA and What it Really Means for 2023](https://www.davidlerner.com/newsroom/article/the-cola-and-what-it-really-means-for-2023) - 2022 has been a tough year. The cost of living increased and inflation hit all-time highs and money is the top source of anxiety for folks in the United States.
- [7 Ways to Bulletproof Your Finances Ahead of a Likely Recession In 2023](https://www.davidlerner.com/newsroom/article/7-ways-to-bulletproof-your-finances-ahead-of-a-likely-recession-in-2023) - Discussions about a looming recession have been making headlines for months, with no conclusion on what Americans can expect.
- [Do You Have Insurance on Your Debt?](https://www.davidlerner.com/newsroom/article/do-you-have-insurance-on-your-debt) - Bills, taxes, and death are all part of life. But in the unfortunate event of your demise, the last thing you want to do is put that financial pressure on your family to cover your debt obligations.
- [Financial Planning Mistakes to Avoid in The New Year](https://www.davidlerner.com/newsroom/article/financial-planning-mistakes-to-avoid-in-the-new-year) - Financial planning entails setting specific financial goals, saving habitually, investing those savings in wealth-building assets, and protecting your assets.
- [Gen Z Approach to Retirement](https://www.davidlerner.com/newsroom/article/gen-z-approach-to-retirement) - Every generation has different ideas and expectations when it comes to work and retirement.
- [Tax Identity Theft Week](https://www.davidlerner.com/newsroom/article/tax-identity-theft-week) - Tax Identity Theft Week happens every year and begins on the last Monday of January.
- [Why a Business Plan Is Vital?](https://www.davidlerner.com/newsroom/article/why-a-business-plan-is-vital) - Whether you’re just starting a business or exploring ways to expand an existing one, you can benefit from creating a business plan.
- [Why Estate Planning is Important?](https://www.davidlerner.com/newsroom/article/why-estate-planning-is-important) - Estate planning is an important part of being financially stable for the long term.
- [How Much Money Should Be in Your Emergency Fund?](https://www.davidlerner.com/newsroom/article/how-much-money-should-be-in-your-emergency-fund) - According to a 2022 Bankrate survey, more than half of Americans don’t have enough savings to cover a $1,000 emergency.
- [How Much Should You Contribute to Your Roth IRA?](https://www.davidlerner.com/newsroom/article/how-much-should-you-contribute-to-your-roth-ira) - Deciding to save for retirement today could help you have a more secure future.
- [Should You Borrow Money in a Recession?](https://www.davidlerner.com/newsroom/article/should-you-borrow-money-in-a-recession) - When times are tough and money is tight, consumers are left searching for ways to get a bit more income.
- [Gen Z and millennials less likely to bank with credit unions](https://www.davidlerner.com/newsroom/article/gen-z-and-millennials-less-likely-to-bank-with-credit-unions) - Younger Americans are making different choices when it comes to banking.
- [Honey, They Shrunk the Groceries](https://www.davidlerner.com/newsroom/article/honey-they-shrunk-the-groceries) - Have you noticed that packages are smaller at the grocery store?
- [Teenagers earning money](https://www.davidlerner.com/newsroom/article/teenagers-earning-money) - America has always had an entrepreneurial spirit and the youth of today continue that trend.
- [Maximizing Retirement Returns: The Benefits of Civil Service Pensions](https://www.davidlerner.com/newsroom/article/maximizing-retirement-returns-the-benefits-of-civil-service-pensions) - Civil service pensions offer a valuable retirement benefit to individuals who have dedicated their careers to public service.
- [Small Business in America and the Great Resignation](https://www.davidlerner.com/newsroom/article/small-business-in-america-and-the-great-resignation-gary-isler) - National Small Business Week is celebrated during the first week of May every year
- [New IRS rules: Venmo and PayPal](https://www.davidlerner.com/newsroom/article/new-irs-rules-venmo-and-paypal) - The way we move money differs from the way things were done a decade ago.
- [Creating Your Own Operation London Bridge](https://www.davidlerner.com/newsroom/article/creating-your-own-operation-london-bridge) - "London Bridge is down." The plan, known as Operation London Bridge, laid out in exacting detail how the ensuing days would unfold.
- [Social Security in Your 60s](https://www.davidlerner.com/newsroom/article/social-security-in-your-60s) - Once you reach your 60s most people start to slow down. Retirement is almost upon you and it is time to enjoy the years you have left.
- [Teaching kids about finance](https://www.davidlerner.com/newsroom/article/teaching-kids-about-finance) - Finances shouldn’t be something that you wait until you are in your twenties to learn about.
- [The Importance of Credit Education](https://www.davidlerner.com/newsroom/article/the-importance-of-credit-education) - Observed in the United States every year in March, this event aims to raise awareness about the importance of credit education and financial literacy.
- [Global Money Awareness Week 2023](https://www.davidlerner.com/newsroom/article/global-money-awareness-week-2023) - Global Money Week (GMW) is an annual international awareness-raising campaign that takes place in over 175 countries
- [Longevity Literacy and Long-Term Care Insurance](https://www.davidlerner.com/newsroom/article/longevity-literacy-and-long-term-care-insurance) - As the world's population continues to age and life expectancy in America is higher than it used to be decades ago, people are becoming more interested in the science of aging.
- [Saving for College Tips](https://www.davidlerner.com/newsroom/article/saving-for-collegetips) - Saving for college is crucial if you want to ensure that your kids or you personally have access to higher education without getting into excessive student loan debt.
- [Small Business Development Centers and the Economy](https://www.davidlerner.com/newsroom/article/small-business-development-centers-and-the-economy) - Small businesses in the US generate 44 percent of the economic activity in the country.
- [Longevity Literacy and Financial Literacy](https://www.davidlerner.com/newsroom/article/longevity-literacy-and-financial-literacy) - Longevity literacy and financial literacy are two important concepts that are becoming increasingly important today.
- [Planning for Long-Term Care - Why It Matters](https://www.davidlerner.com/newsroom/article/planning-for-long-term-care-why-it-matters) - If you’re still young and healthy, you may feel you have ample time before you need to worry about long-term care.
- [Can you Live on Social Security In Retirement?](https://www.davidlerner.com/newsroom/article/can-you-live-on-social-security-in-retirement) - Living on just a social security check when you are retired can be a challenge, especially if you have not saved enough money for your golden years.
- [How to Keep Control During Market Volatility](https://www.davidlerner.com/newsroom/article/how-to-keep-control-during-market-volatility) - One bitter truth about investing is that markets don’t always go up.
- [Cut the Costs of Retirement](https://www.davidlerner.com/newsroom/article/cut-the-costs-of-retirement) - Retirement is a time when many people aim to live comfortably on their savings and pensions.
- [50 and Older? Here's Your Chance to Catch Up on Retirement Saving](https://www.davidlerner.com/newsroom/article/50-and-older-heres-your-chance-to-catch-up-on-retirement-saving) - If you are age 50 or older and still working, you have a valuable opportunity to super-charge your retirement savings while managing your income tax liability.
- [Financial Education and Well-being](https://www.davidlerner.com/newsroom/article/financial-education-and-well-being) - Financial education is key to achieving financial well-being and eliminating the stress around money.
- [Why Being Money-Smart Improves Your Future](https://www.davidlerner.com/newsroom/article/why-being-money-smart-improves-your-future) - This week is Money Smart Week. What exactly does it mean to be "Money-Smart"?
- [Financial Literacy Month 2023](https://www.davidlerner.com/newsroom/article/financial-literacy-month-2023) - The National Financial Literacy Month — renamed by the Biden administration as National Financial Capability Month — is recognized in the US to emphasize the need for financial literacy and teach Americans how to improve their financial outlook.
- [Why Financial Literacy Is Vital for Gen Z](https://www.davidlerner.com/newsroom/article/why-financial-literacy-is-vital-for-gen-z) - The United States population now spans 5 generations ranging from the Silent Generation to Gen Zers, with boomers, Gen Xers, and Millennials in between.
- [Financial Literacy in Retirement](https://www.davidlerner.com/newsroom/article/financial-literacy-in-retirement) - The conventional life-cycle model of financial behavior suggests that people approaching retirement will be near or at the peak of their wealth accumulation process.
- [The Benefits of Financial Literacy for Business Owners](https://www.davidlerner.com/newsroom/article/the-benefits-of-financial-literacy-for-business-owners) - Owning a small business can be rewarding–you set your working hours, pick employees you want to work with, control your own destiny, and feel proud of building something from the ground up.
- [The Debt Ceiling and Deficit Spending](https://www.davidlerner.com/newsroom/article/the-debt-ceiling-and-deficit-spending) - On January 19, 2023, the outstanding debt of the U.S. government reached its statutory limit, commonly called the debt ceiling.
- [Best Lake-Towns to Retire to in 2023](https://www.davidlerner.com/newsroom/article/best-lake-towns-to-retire-to-in-2023) - Retirement is a time to enjoy life to the fullest. You need to relax and pursue new interests.
- [Time for a Spring Cleanup: Organizing Your Financial Records](https://www.davidlerner.com/newsroom/article/time-for-a-spring-cleanup-organizing-your-financial-records) - The arrival of spring is always a good time to dust off the cobwebs that have built up in your home during the winter.
- [U.S. Banking Crisis: Should You Be Worried?](https://www.davidlerner.com/newsroom/article/us-banking-crisis-should-you-be-worried) - Unable to meet withdrawal requests triggered by depositor panic, Silicon Valley Bank (SVB) was placed into receivership by the Federal Deposit Insurance Corporation (FDIC) on March 10, 2023.
- [The Importance of Asset Management](https://www.davidlerner.com/newsroom/article/the-importance-of-asset-management) - One factor in financial literacy is learning about the benefits of proper asset and property management practices.
- [Employees Want More Education with Their Retirement Benefits](https://www.davidlerner.com/newsroom/article/employees-want-more-education-with-their-retirement-benefits) - Americans’ workplace retirement plans play a key role in their future retirement prospects.
- [Do This One Thing to Protect Your Family When You Die](https://www.davidlerner.com/newsroom/article/do-this-one-thing-to-protect-your-family-when-you-die-2) - While contemplating the aftermath of your departure may not be the most appealing thought, ensuring the financial well-being of your loved ones becomes a priority. In such circumstances, the payout from your life insurance policy can be a significant relief, providing a lump sum of cash to support those you leave behind. However, a compelling
- [Retirement: Should I Pay Off My Mortgage or Sell My Home?](https://www.davidlerner.com/newsroom/article/retirement-should-i-pay-off-my-mortgage-or-sell-my-home) - It’s one of those arguments that rarely seem to have a clear-cut winner: Should you pay off your mortgage or sell your home in retirement?The answer, perhaps frustratingly, is that it depends. Homeownership has long been a part of the American dream. Paying off your mortgage means you’ll be free from monthly payments and the
- [Single Working Women's Week: July 30th - Aug 5th](https://www.davidlerner.com/newsroom/article/single-working-womens-week-july-30th-aug-5th) - Single working women have made remarkable contributions to society, showcasing resilience, strength, and ambition in their pursuit of personal and professional success. Single Working Women's Week is a dedicated time to recognize and celebrate the achievements of these remarkable women. In this article, we explore the significance of Single Working Women's Week, its history, who
- [How to prepare for your Financial Needs Consultation](https://www.davidlerner.com/newsroom/article/how-to-prepare-for-your-financial-needs-consultation) - When attending your first meeting with one of our Investment Counselors, it's essential to come prepared with the necessary information and documents to make the most of the session. Here are some items you should consider bringing: Financial Documents: Bring any relevant financial documents you have, such as bank statements, investment account statements, retirement account
- [Women Need to be More Hands-On Financially](https://www.davidlerner.com/newsroom/article/women-need-to-be-more-hands-on-financially) - It is important for everyone to keep tabs on their finances, , but although more women are taking control of household finances, they are no more prepared to meet long-term financial goals than they were a decade ago.
- [David Lerner Associates: April is Financial Literacy Month](https://www.davidlerner.com/newsroom/article/david-lerner-associates-april-is-financial-literacy-month) - The best investment you could make is financial education. It is an investment in your own financial future and the future of your family.
- [David Lerner Associates: Who Can Benefit From College Savings Plans?](https://www.davidlerner.com/newsroom/article/david-lerner-associates-who-can-benefit-from-college-savings-plans) - There are many types of people who can benefit from college savings plans especially parents and grandparents of young children, casual investors, or anyone wanting to transfer wealth to another family member as part of an estate plan.
- [David Lerner Associates: What You Need to Know about Retirement and Long-Term Care](https://www.davidlerner.com/newsroom/article/david-lerner-associates-what-you-need-to-know-about-retirement-and-longterm-care) - A comfortable retirement is something to plan for and look forward to. According to the Employee Benefit Research Institute, most Americans are on track with their savings for retirement. But, and this is a big one, have you considered what would happen if you were hit with an additional half million dollars in health care costs? Would you be able to still maintain a comfortable retirement then? It is highly doubtful that even the better off among us could withstand that.
- [David Lerner Associates: Monopoly and Financial Literacy](https://www.davidlerner.com/newsroom/article/david-lerner-associates-monopoly-and-financial-literacy) - Playing Monopoly on game night has been a part of almost every American household for decades. One of the benefits of playing the board game was the financial literacy learning that took place. Now the game is being updated to reflect the current financial landscape - all transactions will be done via debit or credit card.
- [David Lerner Associates: Estate Planning Essentials](https://www.davidlerner.com/newsroom/article/david-lerner-associates-estate-planning-essentials) - An effective and smart estate plan is necessary if you want to make sure your assets are inherited by the intended parties, no matter the size of your estate. If done right, your plan can limit the taxes owed by the beneficiary. Here are some helpful tips.
- [David Lerner Associates: Tips to Build Wealth](https://www.davidlerner.com/newsroom/article/david-lerner-associates-tips-to-build-wealth) - Wealth is not something you wake up to one morning. It is built and earned over time. Carefully. Strategically. With deliberate purpose. If building a healthy personal fortune is appealing to you, then here are some tips to help you on the wealth-building journey.
- [David Lerner Associates: Saving for Early Retirement](https://www.davidlerner.com/newsroom/article/david-lerner-associates-saving-for-early-retirement) - According to a research study by the Employee Benefit Research Institute, Americans confidence in their ability to secure a financially comfortable retirement increased in 2015, however, only 61% report that they are currently saving. That means that more than one-third are not saving for retirement.
- [David Lerner Associates: Older Americans are Blazing a Trail to Retirement](https://www.davidlerner.com/newsroom/article/david-lerner-associates-older-americans-are-blazing-a-trail-to-retirement) - The theme of Older Americans Month 2016 is Blaze a Trail. The idea is to use this theme to raise awareness about important issues facing older adults. Retirement is certainly one of those issues. According to the Government Accountability Office, among households with members aged 55 or older, nearly 29% have neither retirement savings nor a traditional pension plan.
- [David Lerner Associates: Financial March Madness](https://www.davidlerner.com/newsroom/article/david-lerner-associates-financial-march-madness) - March is a great time to take stock of your financial situation and get your fiscal affairs in order. March 15th marks the due date for corporate tax returns, and it also marks exactly one month before personal tax returns are due. By now you should have all your 1099s, W2s, and tax documents collected and ready to go.
- [David Lerner Associates: IRS Data Theft and the Need to Protect your Personal Information](https://www.davidlerner.com/newsroom/article/david-lerner-associates-irs-data-theft-and-the-need-to-protect-your-personal-information) - The U.S. Treasury has released a revised and far scarier picture of the cyber-attack suffered by the IRS last year. Initially, it was thought that just over 100,000 people were affected by the incident, but now they are saying it was over 700,000. That raises the issue of online security and the need to protect your information, as well as staying alert to tax scams as we head into another tax season.
- [David Lerner Associates: Women and Money. The Financial Gender Gap](https://www.davidlerner.com/newsroom/article/david-lerner-associates-women-and-money-the-financial-gender-gap) - International Women is Day is today. The World Economic Forum is Global Gender Gap report shows that women are worse off this year - the pay gap in the US is now 64 percent, down from 66 percent a year ago. That means that American women earn two thirds of what a man does for the same work.
- [David Lerner Associates: The DIY Retirement Plan](https://www.davidlerner.com/newsroom/article/david-lerner-associates-the-diy-retirement-plan) - Part of the American Dream was working hard for 40 years and retiring with a comfortable company pension at age 65. For most of today is young adults, that scenario is no longer an option. A recent survey of corporate pensions revealed that just 28% of the plans they surveyed still remain open, and 25% of workers with an active pension are likely to see the plan close or freeze at some point in the future.
- [David Lerner Associates: Ending Financial Stress with Planning](https://www.davidlerner.com/newsroom/article/david-lerner-associates-ending-financial-stress-with-planning) - Bank of America / Merrill Lynch is 2016 Workplace Benefits Report was an interesting study in the financial confidence of today is workers. 75% of employees polled indicated they are not financially secure, and 60% say they are somewhat or very stressed by their financial situation, according to the report.
- [David Lerner Associates: Women and Money - The Financial Gender Gap](https://www.davidlerner.com/newsroom/article/david-lerner-associates-women-and-money-the-financial-gender-gap-2) - The World Economic Forum is Global Gender Gap report show that women are worse off this year - the pay gap in the U.S. is now at 64 percent, down from 66 percent a year ago. That means that American women earn two-thirds of what a man does for the same work.
- [David Lerner Associates: National Healthcare Decision Day](https://www.davidlerner.com/newsroom/article/david-lerner-associates-national-healthcare-decision-day) - April 16th was National Healthcare Decision Day. While most people do not always like to talk about what would happen if they were hospitalized and unable to speak for themselves, we are glad this day exists because it brings awareness to the importance of planning for the future.
- [David Lerner Associates: Financial Tools are Just the Beginning](https://www.davidlerner.com/newsroom/article/david-lerner-associates-financial-tools-are-just-the-beginning) - One big worry for many Americans in the prime of life is their financial future - how to pay for their kid is college, when to retire, and whether they will have enough to retire on are major concerns. April is Financial Literacy Month, a good time to reevaluate financial plans and make sure that the calculations those plans are based on are valid.
- [David Lerner Associates: Lessons from the Richest Women in History](https://www.davidlerner.com/newsroom/article/david-lerner-associates-lessons-from-the-richest-women-in-history) - A recent about the richest women of all time used two interesting factors to decide who made the cut. The women had to have taken an active role in building their fortunes. They compared an individual is wealth to total global economic output at the time. The list includes well-known historical figures such as Cleopatra and Catherine the Great, as well as a few current female billionaires.
- [David Lerner Associates: What to Do With Your Tax Refund](https://www.davidlerner.com/newsroom/article/david-lerner-associates-what-to-do-with-your-tax-refund) - Forty eight million Americans have already received a tax refund from the federal government this year. As tax time approaches, millions more are thinking about what to do with this windfall when it arrives. The latest Bankrate Money Pulse survey shows that there have been some significant changes in what Americans are planning to do with this money this year.
- [Maintaining Financial Stability in Economic Uncertainty](https://www.davidlerner.com/newsroom/article/maintaining-financial-stability-in-economic-uncertainty) - The recession (meltdown) of 2008, was a big wake-up call for everyone. Fortunately, the collective anxiety that we experienced being on the brink of another Great Depression has passed, and the world is economy has recovered over the past 8 years. But we should not forget the lessons that recent history has taught us. Here are some things that can be done to weather a potential financial storm.
- [David Lerner Associates: How to Retire Wealthy [INFOGRAPHIC]](https://www.davidlerner.com/newsroom/article/david-lerner-associates-how-to-retire-wealthy-infographic) - If you are under 40, your most valuable asset is not youthful vigor or a full head of hair. It is time. Retirement is decades away, and contributions to a 401(k) or other retirement plan will have years to compound and grow. Even a modest contribution now will mean a lot more than a larger contribution when you are in your forties and fifties.
- [Making the Best of Your Financial Education](https://www.davidlerner.com/newsroom/article/making-the-best-of-your-financial-education) - The statistics speak for themselves. Americans are woefully under-informed about their finances - especially younger folks. The financial literacy of high school students has fallen to its lowest level ever with a score of just 48.3%.
- [David Lerner Associates: How to Prevent Investment Fraud](https://www.davidlerner.com/newsroom/article/david-lerner-associates-how-to-prevent-investment-fraud) - According to the FBI there were over 1,800 cases of investment fraud in 2011, to the tune of $36 million in recoveries. That is just the amount they were able to recover, which gives you an idea of how big this problem really is. And according to current estimates, that trend will only increase with access to more sophisticated technology by fraudsters. Here are tips to avoid falling victim to these kind of scams.
- [Women and Wealth in the United States](https://www.davidlerner.com/newsroom/article/women-and-wealth-in-the-united-states) - In the United States a substantial wealth gap exists between women and men. A study by Sociologists for Women in Society shows that the gender wealth ratio reveals economic inequalities that are masked by gender income ratios.
- [David Lerner Associates: Being Money Smart in Retirement](https://www.davidlerner.com/newsroom/article/david-lerner-associates-being-money-smart-in-retirement) - It is Money Smart week. A new study has found that Americans in their retirement years gradually lose the ability to manage their money. According to the study the ability to answer basic financial literacy questions wanes as age increases. However, the ability to confidently make financial decisions does not falter.
- [Money Smart, Raising your Financial IQ](https://www.davidlerner.com/newsroom/article/money-smart-raising-your-financial-iq) - Money Smart Week was created by the Federal Reserve Bank of Chicago in 2002, and is a nationwide public awareness campaign designed to help the public better manage their personal finances and increase their financial literacy. Free seminars and activities are held around the country. The week runs from April 23-30.
- [David Lerner Associates: Tax Plans and Political Candidates](https://www.davidlerner.com/newsroom/article/david-lerner-associates-tax-plans-and-political-candidates) - The political race is heating up as the candidates vie for their party is nomination, and as we head into another tax season, it might be interesting to analyze the various tax proposals that each candidate has on their books. A study by The Tax Policy Center has revealed some key points after looking closely at tax proposals for the candidates.
- [David Lerner Associates: Cyber Thieves Target Men More than Women](https://www.davidlerner.com/newsroom/article/david-lerner-associates-cyber-thieves-target-men-more-than-women) - A new report claims that men are ripped off three times as much as women. There are many things you can do to stay safe from the digital bad guys. Using strong passwords, secure your computer, installing the latest operating system updates, protecting your data with encryption or passwords, and securing your wireless network are just a few things that can be done.
- [David Lerner Associates: Money Smart Tips for Credit Card Debt [INFOGRAPHIC]](https://www.davidlerner.com/newsroom/article/david-lerner-associates-money-smart-tips-for-credit-card-debt-infographic) - 38 percent of American households carry some credit card debt. Americans between 45 and 54 years old have the highest balances of any age group. When you are getting close to retirement, this debt could be a significant barrier to future financial security.
- [Financial Literacy Lessons for Your Kids](https://www.davidlerner.com/newsroom/article/financial-literacy-lessons-for-your-kids) - Financial Literacy Month (also known as National Financial Capability Month) is an annual event taking place in April, centered on improving Americans understanding of financial principles and practices. Here are some basic financial lessons that can be taught to our children that will be of great use to them as they grow.
- [David Lerner Associates: Tax Scams](https://www.davidlerner.com/newsroom/article/david-lerner-associates-tax-scams) - The IRS recently released its annual list of tax scams. The list reminds tax payers to use caution and avoid becoming victims of fraudulent tax schemes.
- [David Lerner Associates: The Panama Tax Evasion Scandal](https://www.davidlerner.com/newsroom/article/david-lerner-associates-the-panama-tax-evasion-scandal) - Financial news has been abuzz this past week with the revelation of leaked documents, dubbed "The Panama Papers" detailing a network of banks and law firms that help many of the world is most powerful people hide money in offshore accounts, according to a coalition of investigative reporters.
- [Women and Small Business](https://www.davidlerner.com/newsroom/article/women-and-small-business) - According to the Small Business Administration (SBA), women-owned companies are growing much faster than every other segment of new business in our economy
- [Generation X and Their Retirement](https://www.davidlerner.com/newsroom/article/generation-x-and-their-retirement) - People in Generation X (those in their 30s and 40s) have solid reasons to be stressed out about their financial futures. Many are saddled with debt, have not saved as much as they should have for retirement, and perhaps were underemployed during recent economic downturns.
- [College Savings and Loans](https://www.davidlerner.com/newsroom/article/college-savings-and-loans) - According to a survey by Sallie Mae, families are under increasing pressure to take out loans to finance college. Saving for college seems like the best alternative, but there are some misconceptions about the process.
- [Springtime for Savings](https://www.davidlerner.com/newsroom/article/springtime-for-savings) - Spring is traditionally a time for dusting off the cobwebs, cleaning out the garage, and infusing new life into your home. Why not take this opportunity to take stock of your "financial home" and make some smart springtime moves that could save you money?
- [Retirement, Communication, and Marriage](https://www.davidlerner.com/newsroom/article/retirement-communication-and-marriage) - Planning for a blissful retirement can be work sometimes. There are a lot of details to consider, and even more so as a married couple. And even more if there are children involved. It is not the most comfortable conversation to have with your spouse, but it certainly is important.
- [Money Smart Millennials](https://www.davidlerner.com/newsroom/article/money-smart-millennials) - They watched their parents finances crushed in the recession and their own financial outlook darken in the times following, but Millennials are now raising their financial IQ collectively.
- [Mother knows best](https://www.davidlerner.com/newsroom/article/mother-knows-best) - Motherly love goes a long way, and motherly advice apparently is more important than one might think. With Mother is Day recently being celebrated, as Americans armed themselves with bouquets of flowers, yummy chocolates and tear-jerking greeting cards, one thing that may not have been on the top of their list of things to consider was mom is money advice.
- [Millennials Can Create a Lifelong Wealth Plan](https://www.davidlerner.com/newsroom/article/millennials-can-create-a-lifelong-wealth-plan) - For a highly educated generation, Millennials show a surprising ineptitude in certain areas of money management. And a generation that lacks secure pensions will certainly need to prepare for their twilight years.
- [Elderly Financial Abuse](https://www.davidlerner.com/newsroom/article/elderly-financial-abuse) - American seniors have historically been late adopters when it comes to technology. According to a Pew Research Center almost 90% of seniors with a college degree use the internet. With more and more mature Americans getting involved in the online community, the amount of scams targeting elders is ever on the rise.
- [New Study Reveals Who is Investing in Women](https://www.davidlerner.com/newsroom/article/new-study-reveals-who-is-investing-in-women) - Bloomberg recently unveiled a study that investigates what the big financial players are doing to promote gender equality.
- [3 Reasons Not to Fear Retirement](https://www.davidlerner.com/newsroom/article/3-reasons-not-to-fear-retirement) - If you are nearing retirement age, you are not alone. Roughly 10,000 Baby Boomers retire every day in America, and that number is set to stay true for the next 19 years. Many people face uncertainties and fears about their own retirement. When it should be a well-deserved rest after a lifetime of hard work, a lack of planning may result in apprehension and stress.
- [American Teen Views on Student Loans and College Education](https://www.davidlerner.com/newsroom/article/american-teen-views-on-student-loans-and-college-education) - The student loan debt level in America has skyrocketed over the last decade. Before a family commits to the burden of a student loan, perhaps they should talk to their kids - a recent survey of American teens revealed that only 11% plan to take out a student loan.
- [Americans Regret Not Having a Rainy Day Fund](https://www.davidlerner.com/newsroom/article/americans-regret-not-having-a-rainy-day-fund) - The recent Bankrate Financial Security survey showed that most Americans have regrets about the financial decisions they have made. At the top of the list is not saving enough for retirement, but a close second is not saving for emergencies.
- [Money Management Course Most Useful for Young Adults](https://www.davidlerner.com/newsroom/article/money-management-course-most-useful-for-young-adults) - Students often complain that they wo not use what they study in school later in life. One course young adults 18 - 24 say they feel would be most useful is money management, according to a new survey from the National Financial Educators Council.
- [Money Tips for Newlyweds](https://www.davidlerner.com/newsroom/article/money-tips-for-newlyweds) - Wedding season is upon us. So put on your dancing shoes and get ready to enjoy the tying of knots. If you are the lucky couple walking down the aisle, then congratulations. You have taken a giant leap into adulthood and the journey is only really beginning. It would be very smart to get on the same page with your finances especially since it seems to be a source of arguments between married couples.
- [How Women's Roles in Family Finances are Changing](https://www.davidlerner.com/newsroom/article/how-women-is-roles-in-family-finances-are-changing) - Back in the 50s, American women stayed at home and raised the children. In 1960, just over 10% of mothers were breadwinners, and 7% were single moms. By 2011, those numbers had jumped to 40% of mothers as the sole or primary provider, and 25% were single moms. In 2014, 34% were single mothers, and the trend is still on the rise.
- [Women and Men Think Differently About Finances Too](https://www.davidlerner.com/newsroom/article/women-and-men-think-differently-about-finances-too) - "Women are from Venus, men are from Mars" has become a saying embedded in our vocabulary. It indicates that women and men see things differently and have a different approach to many aspects of their lives. Finances, it appears, is one of these areas.
- [David Lerner Associates: Millennials and Financial Literacy](https://www.davidlerner.com/newsroom/article/david-lerner-associates-millennials-and-financial-literacy) - Millennials are exceptional in many ways - better educated than their predecessors, more ethnically diverse, and more economically active, but according to a study, even though they are burdened with student loan debts and economic uncertainty, Millennials know little about personal finance.
- [David Lerner Associates: Life Insurance for Small Business Owners](https://www.davidlerner.com/newsroom/article/david-lerner-associates-life-insurance-for-small-business-owners) - Nothing in this life is certain except death and taxes. When a small business owner passes away, it can be the center of turmoil and instability. It raises many issues, including personal loss, but it also raises pragmatic questions involving the replacement of a key asset and leadership going forward.
- [David Lerner Associates: Gambling with your Retirement](https://www.davidlerner.com/newsroom/article/david-lerner-associates-gambling-with-your-retirement) - Investing (when done right) is a good thing. Gambling, generally speaking, is a bad thing, unless it is done for entertainment purposes with money that you do not mind losing. Retirement funds are not something you want to gamble with.
- [Financial Planning Tips for Recent Graduates](https://www.davidlerner.com/newsroom/article/financial-planning-tips-for-recent-graduates) - As proud families celebrate and relieved graduates get ready to enter the workplace, new financial concerns take precedence. Now it is no longer about how to pay for their education, it is whether they will get a job and how they will manage on their own.
- [David Lerner Associates: Financial Wellness Basics](https://www.davidlerner.com/newsroom/article/david-lerner-associates-financial-wellness-basics) - Ask one hundred people, and you are sure to find that the great majority of them would agree. We all want more stable finances. We all want what is now being referred to as "Financial Wellness." We are not talking about the difference between wealth and poverty here. We are not talking about hand-to-mouth versus upper affluent income brackets. We are talking about a quality of life and a healthy financial life.
- [David Lerner Associates: Tax Changes for 2016](https://www.davidlerner.com/newsroom/article/david-lerner-associates-tax-changes-for-2016) - Every year we are faced with new federal tax codes, and 2016 is no different. This year is changes could mean penalties if you do not have health insurance, or they could bring you welcomed savings if you happen to own a small business.
- [5 Ways to Fix Your Retirement Fund Shortfall](https://www.davidlerner.com/newsroom/article/5-ways-to-fix-your-retirement-fund-shortfall) - When you hit your 40s or 50s the idea of retirement (which seemed so far off in your 20s) is suddenly right around the corner. If you have reached this age and have not been diligently socking away money for retirement, there are some things you can do to fix the problem.
- [David Lerner Associates: Your Financial Mindset and Stress](https://www.davidlerner.com/newsroom/article/david-lerner-associates-your-financial-mindset-and-stress) - According to the American Institute of Stress, over 70% of people experience physical or psychological symptoms caused by stress. The cost of daily living; bills, kids, jobs... this is the stress we tend to ignore or push down.
- [Smart Money Lessons from the Very Wealthy](https://www.davidlerner.com/newsroom/article/smart-money-lessons-from-the-very-wealthy) - We believe that when someone shows success in a field we could learn a thing or two from them. A master craftsman knows how to create beautiful objects, and a professor with a doctorate degree can teach his students well. This idea holds true in the field of finances too - those who have made a lot of money know things that could help the rest of us do better.
- [David Lerner Associates: How to Retire Wealthy](https://www.davidlerner.com/newsroom/article/david-lerner-associates-how-to-retire-wealthy) - If you are under 40, your most valuable asset is not youthful vigor or a full head of hair. It is time. Retirement is decades away, and contributions to a 401(k) or other retirement plan will have years to compound and grow.
- [Why the 4 Percent Rule No Longer Works](https://www.davidlerner.com/newsroom/article/why-the-4-percent-rule-no-longer-works) - For decades Americans have calculated their retirement saving needs on the 4% Rule - if you can withdraw 4% of your retirement fund per year, there is every chance you will have enough money for your golden years. That rule was calculated on interest rates much higher than we are seeing now, and it is proving to be not so reliable for people who will retire in the future.
- [David Lerner Associates: How to Track Your Net Worth](https://www.davidlerner.com/newsroom/article/david-lerner-associates-how-to-track-your-net-worth) - Making financial progress involves keeping track of your net worth, even if knowing that number is of a reality check. When you know your net worth, you can set a realistic financial goal. In the digital age, tracking your net worth is less complicated than it once was.
- [David Lerner Associates: Five Common Financial Mistakes](https://www.davidlerner.com/newsroom/article/david-lerner-associates-five-common-financial-mistakes) - Your current financial situation is a combination of every decision relating to money you have made in the past. If you are like most people, you have had very little or no coaching, so you are just learning as you go.
- [College Students Personal Finance Grade a C or Worse](https://www.davidlerner.com/newsroom/article/college-students-personal-finance-grade-a-c-or-worse) - In a LendEDU study of 455 college students, 59% rated their ability to manage their money and their finances at a C grade or worse. The survey posed 25 questions to the students, covering how they felt about their financial knowledge to spending habits, budgeting, and saving.
- [David Lerner Associates: How to Build an Emergency Fund](https://www.davidlerner.com/newsroom/article/david-lerner-associates-how-to-build-an-emergency-fund) - Creating a healthy emergency fund can be a lofty and intimidating goal. But in these uncertain economic times, such a fund is needed more than ever yet almost two-thirds of Americans are not prepared to for unexpected expenses.
- [Credit Card Debt on the Rise in America](https://www.davidlerner.com/newsroom/article/credit-card-debt-on-the-rise-in-america) - Even though America is economy is in somewhat better condition now, studies show that credit card debt is at the highest level since 2008. Based on data from the Federal Reserve, outstanding credit card debt is set to hit $1 trillion in 2016. This indicates that consumers are reverting to pre-recession spending patterns.
- [David Lerner Associates: National Entrepreneurship Week: Millennials vs Boomers](https://www.davidlerner.com/newsroom/article/david-lerner-associates-national-entrepreneurship-week-millennials-vs-boomers) - As America focuses attention on entrepreneurs this week, one of the troubling statistics is the slow decline of startups. Census data and other studies show that the number of companies less than a year old had declined as a share of all businesses by nearly 44 percent since 1978. As every entrepreneur knows, starting a new business can be very challenging. It requires talent, skill, and resources.
- [A New Look at the American Dream](https://www.davidlerner.com/newsroom/article/a-new-look-at-the-american-dream) - Whenever the conversation turns to financial goals and a secure future, certain ideas at the core of The American Dream pop up - save for retirement and own your own home are two of those. However, times have changed economically.
- [David Lerner Associates: Sound Investment Strategies](https://www.davidlerner.com/newsroom/article/david-lerner-associates-sound-investment-strategies) - Building a healthy investment portfolio requires some well-thought-out strategies and a smart investment mindset. It requires financial literacy. Whether you are a new investor or a seasoned veteran, here are some tips that could improve your chances of a creating a successful investment portfolio.
- [David Lerner Associates: Finances, Health, and Credit Can Affect Your Love Life](https://www.davidlerner.com/newsroom/article/david-lerner-associates-finances-health-and-credit-can-affect-your-love-life) - A recent survey by Nerdwallet showed that 60 percent of women ranked a potential partner is financial situation as important to them. Almost half (44 percent) feel that financial responsibility is more important than attractiveness in a romantic partner. This applies to men too, although the numbers differ according to age groups.
- [David Lerner Associates: Financial Education is Your Best Investment](https://www.davidlerner.com/newsroom/article/david-lerner-associates-financial-education-is-your-best-investment) - Ignorance can be costly, especially when it comes to your financial literacy. Investing time and energy into financial education could be one of the best investments you can make.
- [David Lerner Associates: Financial Equality in Marriage](https://www.davidlerner.com/newsroom/article/david-lerner-associates-financial-equality-in-marriage) - Getting married is a very emotional moment. There is so much to do and organize that how you are going to deal with your finances after you are married is often not a major thought. However, once the honeymoon is over and you are settling down to everyday life, this can become one of the most contentious aspects of a marriage.
- [David Lerner Associates: Women Trailing Men in Financial Fitness](https://www.davidlerner.com/newsroom/article/david-lerner-associates-women-trailing-men-in-financial-fitness) - Most Americans were affected by the Great Recession, and the thought of another future financial shock makes us very uneasy. Women are particularly vulnerable, says a study from FINRA, 2012 National Financial Capability Study, and it is taking a toll on their lives with higher stress levels, reduced productivity, and decreased well-being. Only 37% of the women surveyed were rated financially fit as opposed to 45% of men.
- [David Lerner Asociates: Small Business Saturday](https://www.davidlerner.com/newsroom/article/david-lerner-asociates-small-business-saturday) - The first frenzy of holiday shopping is usually on what is called Black Friday, the day after Thanksgiving. This is the day stores promote deals and discounts so there is a rush to buy gifts and save money.
- [David Lerner Associates: How Interest Rate Hikes Affect Your Financial Well-Being](https://www.davidlerner.com/newsroom/article/david-lerner-associates-how-interest-rate-hikes-affect-your-financial-wellbeing) - For the first time in nearly a decade, the Federal Reserve announced an interest rate increase - from zero percent to .25 percent immediately with more increases to come in 2016. That quarter percent might seem insignificant, but it is going to impact your finances.
- [David Lerner Associates: Saving or Paying Off Credit Card Debt](https://www.davidlerner.com/newsroom/article/david-lerner-associates-saving-or-paying-off-credit-card-debt) - At this time of year you will see many experts offering advice on how to set goals for 2016. Most of them lay out a plan to tackle all the aspects of your financial well-being. In the best of all possible worlds, this would be ideal. However, for many Americans it is more realistic to take on one goal at a time.
- [Nervous Decisions are Costing Investors Money](https://www.davidlerner.com/newsroom/article/nervous-decisions-are-costing-investors-money) - The stock market is always moving up or down. The aim of all investors is to make money, but a recent study found that the roller-coaster nature of the market can lead some investors to make rash decisions that may cost them a lot of money.
- [Hollywood is Financial Literacy Lessons for Women](https://www.davidlerner.com/newsroom/article/hollywood-is-financial-literacy-lessons-for-women) - Watching films can be a pastime usually considered pure fun or even escapism. Some films are more pertinent than others, especially when it comes to learning life lessons. Learning from other people is mistakes, even if they are fictional characters, could be beneficial for your future.
- [Millennials and Financial Education](https://www.davidlerner.com/newsroom/article/millennials-and-financial-education) - It may no longer come as a surprise to anyone that Millennials do not have an excellent grasp on the management on money. Studies suggest that even with greater financial burdens from economic uncertainty and student loans, they are still lagging behind in basic financial education.
- [How to Overcome Barriers to Retirement Security](https://www.davidlerner.com/newsroom/article/how-to-overcome-barriers-to-retirement-security) - Many people face uncertainties and fears about their own retirement when it should be a well-deserved rest after a lifetime of hard work. A lack of planning may result in apprehensions and stress. There are plenty of obstacles Americans claim are in their way when it comes to saving for retirement: credit card debt, student loan debt, low wages, the need to save for a child is college education, and the list goes on.
- [Tips for Saving for College](https://www.davidlerner.com/newsroom/article/tips-for-saving-for-college) - Before you know it, that sweet little baby of yours will be all grown up and graduating high school. Time flies and in the blink of an eye college preparations will be upon you. Unless you plan ahead, it is all too likely that you will be part of the majority of American families who do not have a college savings plan in place.
- [Brexit - Stay Calm and Carry On](https://www.davidlerner.com/newsroom/article/brexit-stay-calm-and-carry-on) - Britain is vote to leave the European Union seems like it should be a strictly local affair - not something to make Americans nervous. But in fact, it may well have something to do with us.
- [More Americans Working After 70](https://www.davidlerner.com/newsroom/article/more-americans-working-after-70) - Traditionally, the retirement age in America is 65. The American Dream was all about working hard for 40 years and then relaxing and enjoying life for the next decade or two. According to the AARP, that is changing.
- [Cinderella is Personal Finance Lessons](https://www.davidlerner.com/newsroom/article/cinderella-is-personal-finance-lessons) - Although women now control 70% of consumer spending worldwide, when it comes to controlling their finances, the numbers are less encouraging. A recent study by Key Private Bank showed that even among high net worth women, household finances are still predominantly controlled by men.
- [Estate Planning Basics](https://www.davidlerner.com/newsroom/article/estate-planning-basics) - Do you have an estate plan? A basic estate plan is an important financial document for everyone to have, whether you think you need one or not, and here is why - With few exceptions, everyone has an estate, even the young child with a bank account in his name that his grandparents set up, or the coming-of-age girl who received a gold necklace for her 16th birthday.
- [Connect Your Financial Goals to the Rest of Your Life](https://www.davidlerner.com/newsroom/article/connect-your-financial-goals-to-the-rest-of-your-life) - Most Americans strive for a fulfilled life - a good job, a nice home,, a family, and a bright future. However, statistics show that this American Dream is not a reality for far too many.
- [Finance tips for Small Business](https://www.davidlerner.com/newsroom/article/finance-tips-for-small-business-2) - Being an entrepreneur can be a stressful and challenging endeavor but also incredibly exciting and rewarding. There is no end to the many financial, legal, staffing, marketing, and customer issues that will come up as you launch your business.
- [Women Business Owners Still Face Financial Challenges](https://www.davidlerner.com/newsroom/article/women-business-owners-still-face-financial-challenges) - Although the number of women-owned businesses is on the rise, they still face some financial challenges. The Census Bureau is Survey of Business Owners shows that while women own 36 percent of businesses in the U.S. only 11.3 percent of the sales revenue generated went to female-owned businesses.
- [David Lerner Associates:  Financial Planning in your 50s](https://www.davidlerner.com/newsroom/article/david-lerner-associates-financial-planning-in-your-50s) - There are financial challenges in every decade. These three financial resolutions address the challenges that are common in your 50s.
- [How to Simplify Your Finances](https://www.davidlerner.com/newsroom/article/how-to-simplify-your-finances) - Simplifying your finances is an activity that we could all benefit from. In a Pew Trusts study, it was revealed that 1 in 5 Americans say that they are not planning for retirement.
- [David Lerner Associates: Financial Planning in your 60s](https://www.davidlerner.com/newsroom/article/david-lerner-associates-financial-planning-in-your-60s) - In order to retire at age 65 you will likely need to have accumulated a sizable retirement nest egg by the time you reach your early 60s.
- [Five Smart Retirement Strategies for Entrepreneurs](https://www.davidlerner.com/newsroom/article/five-smart-retirement-strategies-for-entrepreneurs) - Retirement is not always top of the list of concerns for entrepreneurs. In fact, nearly 40 percent of small business owners in the U.S. do not have a retirement strategy at all.
- [5 Personal Finance Tips for Women](https://www.davidlerner.com/newsroom/article/5-personal-finance-tips-for-women-2) - While most financial tips apply to everyone, there are some that are more relevant to women. 90% of women will have to manage their finances on their own at some point in their life, and unfortunately, too many women lack confidence, and may hesitate to take control of their finances.
- [Is Divorce Derailing Your Retirement Fund?](https://www.davidlerner.com/newsroom/article/is-divorce-derailing-your-retirement-fund) - Just as getting married involves financial decisions, so does divorce. Splitting up your assets is one of the main areas of concern - and this includes investments and retirement accounts. It is important for each of the partners to retain some of the retirement fund.
- [David Lerner Associates: Three Steps to Help Prevent Financial Fraud over the Holiday Season](https://www.davidlerner.com/newsroom/article/david-lerner-associates-three-steps-to-help-prevent-financial-fraud-over-the-holiday-season) - International Fraud Awareness Week aims to minimize the impact of fraud by promoting anti-fraud awareness and education. Financial fraud has become a part of almost everyone is life.
- [David Lerner Associates: Coping with Fraud and Identity Theft Over the Holidays](https://www.davidlerner.com/newsroom/article/david-lerner-associates-coping-with-fraud-and-identity-theft-over-the-holidays) - On Black Friday and Cyber Monday, steos will be offering discounts and deals. While that is good news for the American consumer, it is also a bonus for financial fraudsters.
- [FINRAs Advice for Keeping Your Financial Data Secure](https://www.davidlerner.com/newsroom/article/finras-advice-for-keeping-your-financial-data-secure) - Identify theft has been the number one complaint reported to the FTC for 15 years running. In 2015, almost half a million cases were reported. The loss of financial data can be devastating, and it can take a long time to recover.
- [David Lerner Associates: Five Ways to Prepare for Small Business Saturday](https://www.davidlerner.com/newsroom/article/david-lerner-associates-five-ways-to-prepare-for-small-business-saturday) - "Shop Small & Local" is a successful campaign that brings neighborhoods together and helps generate business for local entrepreneurs on the Saturday after Thanksgiving..
- [Power of Attorney Tips](https://www.davidlerner.com/newsroom/article/power-of-attorney-tips) - None of us likes to think about the possibility of something happening that might prevent us from managing our own finances, but it does happen. If you are ill, incapacitated, or just out of the country, you might need someone else to manage your money for a while.
- [David Lerner Associates: The Best Place to Work Might be at Home](https://www.davidlerner.com/newsroom/article/david-lerner-associates-the-best-place-to-work-might-be-at-home) - As technology advances and removes the barriers to remote work, telecommuting jobs are on the rise. The number of people working fro home is expected to increase by 63 percent in the next five years.
- [FINRA Study on Emotions & Financial Fraud](https://www.davidlerner.com/newsroom/article/finra-study-on-emotions-ampamp-financial-fraud) - This week is National Fraud Awareness Week, and according to the Investor Protection Trust, almost one in five Americans over the age of 65, or nearly seven million seniors, have been taken advantage of financially. A recent study from Stanford University, FINRA, and AARP revealed that inducing strong emotions has an effect on older adults financial decisions.
- [David Lerner Associates: The Pros and Cons of Robo-Advisors](https://www.davidlerner.com/newsroom/article/david-lerner-associates-the-pros-and-cons-of-roboadvisors) - A robo-advisor, or automated investment service, is an online wealth management service that provides automated, algorithm-based portfolio management advice without the use of human investment advisors. Sounds impressive, but what are the benefits versus the drawbacks?
- [David Lerner Associates: 5 Ways to Improve Your Personal Bottom Line in 2016](https://www.davidlerner.com/newsroom/article/david-lerner-associates-5-ways-to-improve-your-personal-bottom-line-in-2016) - Many Americans are taking stock of 2015 as the end of the year approaches. According to a new study by Capital One, only 34 percent of Americans feel they accomplished some of their financial goals this year. So while we may be relieved to see the back of 2015, here are some tips that can help you improve on meeting your financial goals next year.
- [David Lerner Associates: Five Financial Threats That Could Derail Your Future](https://www.davidlerner.com/newsroom/article/david-lerner-associates-five-financial-threats-that-could-derail-your-future) - We all make plans for our future and try to cover all the bases. As much as we should like to believe that everything will go according to plan, we know that there are likely to be bumps and setbacks along the way. These five events are probably the most serious threats to a successful financial future.
- [David Lerner Associates: Long Term Care Awareness](https://www.davidlerner.com/newsroom/article/david-lerner-associates-long-term-care-awareness) - Long-Term Care and Alzheimer is Disease. Both topics deserve our attention and are serious issues in need to greater awareness. Nearly 70 percent of Americans 65 and older need long-term care at some point, according to the U.S. Department of Health and Human Services.
- [Money Tips for College Graduates](https://www.davidlerner.com/newsroom/article/money-tips-for-college-graduates) - With the new school year approaching, proud families and students alike will be preparing for a new generation of graduates to enter the workplace. With the next chapter in their lives just around the corner, new financial concerns take precedence.
- [3 Financial Tips for the Real World](https://www.davidlerner.com/newsroom/article/3-financial-tips-for-the-real-world) - There are many and varied tips available for anyone looking to educate themselves on what the "experts" recommend when it comes to financial planning. The internet abounds with such tips and advice. However, some of these things are easier said than done, especially when it comes to the workaday world and trying to keep up in an ever-more-volatile economy. Let is take a look at some of these tips, and how they can be applied to the real world.
- [David Lerner Associates: Financial Confidence Lower for Women and Seniors](https://www.davidlerner.com/newsroom/article/david-lerner-associates-financial-confidence-lower-for-women-and-seniors) - Consumer sentiment fell slightly in December, according to the latest University of Florida consumer survey. The greatest decline was among women and people age 60 or older. The sentiment number is based on five components, and four of the five were down for women. Seniors perception of their person financial situation took a 13.6 point dive.
- [David Lerner Associates: 5 Ways to Simplify Your Finances in 2016](https://www.davidlerner.com/newsroom/article/david-lerner-associates-5-ways-to-simplify-your-finances-in-2016) - Better health and fitness and an improved financial situation are on most Americans minds at this time of the year. Simplifying your finances not only improves your situation, but it can also save time and relieve stress. It makes your goals easier to accomplish.
- [David Lerner Associates: Confidence Plays a Part in the Financial Gender Gap](https://www.davidlerner.com/newsroom/article/david-lerner-associates-confidence-plays-a-part-in-the-financial-gender-gap) - Women in the U.S. lag behind men in three main areas of their finances: earnings, investments, and savings. A recent Fidelity study identified a major factor that contributes to this issue - women lack confidence when it comes to handling their finances. Just 28 percent of respondents said they felt confident when it comes to picking investments without help, and 37 percent felt confident about handling retirement planning on their own.
- [How to Manage Credit Card Debt](https://www.davidlerner.com/newsroom/article/how-to-manage-credit-card-debt) - American Credit Card Debt Statistics now show that the average American household debt is over $5,500. The average for balance-carrying households is over $16,000 with a total outstanding U.S. consumer debt of $3.4 trillion.
- [5 Personal Finance Tips for Women](https://www.davidlerner.com/newsroom/article/5-personal-finance-tips-for-women) - While most financial tips apply to everyone, there are some that are more relevant to women. 90% of women will have to manage their finances on their own at some point in their life and unfortunately too many women lack confidence and hesitate to take control of their finances.
- [Millennials Most Common Money Mistakes](https://www.davidlerner.com/newsroom/article/millennials-most-common-money-mistakes) - Although young Americans who graduated this year are better off than their older siblings, they are still feeling some effects of the Great Recession. One thing they are doing right is starting to save earlier than previous generations, but their biggest money mistakes are not saving enough and holding what they do save in cash.
- [Financial Lessons for College Students](https://www.davidlerner.com/newsroom/article/financial-lessons-for-college-students) - Almost 2 million students are expected to graduate this year, and according to some reports they will be entering a very positive job market. Along with many other freedoms graduates will experience once they end their school career, they will also have to manage their own finances, probably for the first time.
- [5 Steps for a Better Retirement](https://www.davidlerner.com/newsroom/article/5-steps-for-a-better-retirement) - Do you worry about your retirement? According to experts, you should be worried. A Government Accountability Office analysis found that average Americans between the ages of 55 and 64 have saved only about $104,000 in retirement savings.
- [Death and Debt](https://www.davidlerner.com/newsroom/article/death-and-debt) - The death of a spouse is heartbreaking and something that no one really wants to think about. Unfortunately, it is something that needs to be considered and a plan put in place to ease the major adjustment in one is life. The surviving spouse faces more than just overwhelming emotions - he or she may also face the challenge of handling a loved one is outstanding debts.
- [3 Steps to Eliminate Credit Card Debt](https://www.davidlerner.com/newsroom/article/3-steps-to-eliminate-credit-card-debt) - When it comes to debt, it can be debated whether there is such a thing as "good" or "bad" debt. Either way, eliminating credit card debt is always a good idea. Consider these three steps for getting out of credit card debt.
- [David Lerner Associates: Scholarships and College Savings](https://www.davidlerner.com/newsroom/article/david-lerner-associates-scholarships-and-college-savings) - As the cost of a college education continues to climb, paying for it has become a major family expense. Many couples report starting a college fund shortly after their baby is born.
- [Estate Planning Essential Documents](https://www.davidlerner.com/newsroom/article/estate-planning-essential-documents) - According to the American Bar Association, more than half of Americans pass away without a will or an estate plan. If you consider the age when a person should be giving serious thought to these things, 62% of Americans aged 45-54, and an even higher percentage of women that age have not drafted wills. Here is a brief overview of the types of documents that are essential to any estate plan, and the reasons why.
- [Women Need to be Proactive about Finances and Retirement](https://www.davidlerner.com/newsroom/article/women-need-to-be-proactive-about-finances-and-retirement) - Relying on your husband to take care of the finances and retirement income was an accepted practice in the past. Today women have to take a new approach to their financial future. Relying on a spouse is income and savings is no longer a risk-free option.
- [Comparison of College Savings Vehicles](https://www.davidlerner.com/newsroom/article/comparison-of-college-savings-vehicles) - A comparison of all the college savings vehicles available.
- [Financial Planning for Retirement](https://www.davidlerner.com/newsroom/article/financial-planning-for-retirement) - The average retirement age is somewhere between 62 and 65. In order to retire by 65, you will likely need to have accumulated a sizable nest egg by the time you reach your 60s.
- [David Lerner Associates: Women and Work](https://www.davidlerner.com/newsroom/article/david-lerner-associates-women-and-work) - Why salary, benefits and work-life balance count. Now that women make up a large part of the workforce it is important for women to take charge of their career path and financial rewards.
- [FINRA Finds Most Americans are Financially Better Off in 2016](https://www.davidlerner.com/newsroom/article/finra-finds-most-americans-are-financially-better-off-in-2016) - Americans are finding it easier to pay their bills and are increasingly satisfied with their finances, but this does not apply to everyone. Minorities and young people are still feeling the pinch
- [December is National Write-A-Business-Plan Month](https://www.davidlerner.com/newsroom/article/december-is-national-writeabusinessplan-month) - The end of the year is just around the corner now, and if you catch yourself thinking about where the time has gone, this is a perfect opportunity to get a head start on your New Year is resolutions, and plan for the year ahead.
- [David Lerner Associates: 2016 Financial Planning Checklist](https://www.davidlerner.com/newsroom/article/david-lerner-associates-2016-financial-planning-checklist) - As we near the end of the year it makes sense to start planning for the New Year. Here is a Financial Planning checklist you can use to prepare for 2016.
- [Are You Facing A Retirement Income Shortfall?](https://www.davidlerner.com/newsroom/article/are-you-facing-a-retirement-income-shortfall) - According to a study by TransAmerica women are far less confident of their ability to retire with a comfortable lifestyle. The same study shows that most women are planning to retire at 65, or not at all, continuing to work into their retirement years.
- [David Lerner Associates: Financial Goals for 2016](https://www.davidlerner.com/newsroom/article/david-lerner-associates-financial-goals-for-2016) - With 2015 coming to an end, many Americans are taking stock of their accomplishments of the past year and setting goals for the coming 12 months. Here are some ideas to help achieve your financial goals this year.
- [Retirement Planning and Financial Professionals](https://www.davidlerner.com/newsroom/article/retirement-planning-and-financial-professionals) - When planning for retirement, making sure the information you have is accurate is very important. How do you know that the person you are trusting with your future has the right information?
- [September is National Life Insurance Awareness Month](https://www.davidlerner.com/newsroom/article/september-is-national-life-insurance-awareness-month) - September is National Life Insurance Awareness Month. In the past many families have viewed life insurance primarily as a way to pay for funeral expenses but it is become much more than that today. Now it is seen as an integral part of estate planning.
- [5 Top Finance Tips No Matter Your Age](https://www.davidlerner.com/newsroom/article/5-top-finance-tips-no-matter-your-age) - Whether you are in college or even about to retire, there are a few things that you should be doing to make sure you are financially safe and secure. The following pointers are things that can be done by anyone who wants to make sure that they have control of their finances, both in the present and looking towards the future.
- [Comprehensive Financial Planners are Better Off](https://www.davidlerner.com/newsroom/article/comprehensive-financial-planners-are-better-off) - October is Financial Planning month. Why should we pay attention to financial planning? A report by Princeton Survey Research Associates International reveals that there is a direct correlation between affluence and financial planning.
- [David Lerner Associates: New Card Chip Technology Questions](https://www.davidlerner.com/newsroom/article/david-lerner-associates-new-card-chip-technology-questions) - This month the U.S. is instituting the new EMV (Europay, MasterCard and Visa) chip technology in credit and debit cards to help stem the tide of fraud and identity theft that results from hacking and security breaches.
- [David Lerner Associates - Long Term Care is Over to You](https://www.davidlerner.com/newsroom/article/david-lerner-associates-long-term-care-is-over-to-you) - Only 13 percent of Americans have long term care insurance, just a fraction of those who will need help as they grow older.
- [David Lerner Associates: 4 Financial Planning Tips](https://www.davidlerner.com/newsroom/article/david-lerner-associates-4-financial-planning-tips) - The future of a person is family, as well as their own safety and security, may be at risk if the right steps are not taken to ensure financial stability.
- [David Lerner Associates: Parents Long Term Care](https://www.davidlerner.com/newsroom/article/david-lerner-associates-parents-long-term-care) - October is Long Term Care Planning month. Long-term care is described as home and community-based services for adults who need help taking care of themselves.
- [David Lerner Associates: Why College Saving is Important](https://www.davidlerner.com/newsroom/article/david-lerner-associates-why-college-saving-is-important) - A college education can be an expensive proposition. Although many students take out loans to cover their education costs, this can be a financial burden for years to come.
- [David Lerner Associates: A Financial Plan that Works](https://www.davidlerner.com/newsroom/article/david-lerner-associates-a-financial-plan-that-works) - A financial plan that works is important at any age, but it is essential for those approaching retirement age.
- [David Lerner Associates: No Social Security COLA Hike in 2016](https://www.davidlerner.com/newsroom/article/david-lerner-associates-no-social-security-cola-hike-in-2016) - Retirees who depend on Social Security and Medicare are in for a disappointing year in 2016. There will be no cost of living allowance (COLA) increase next year.
- [Millennials and Retirement](https://www.davidlerner.com/newsroom/article/millennials-and-retirement) - It seems that Millennials have been getting a bad reputation and they dont deserve it. The common view of the next generation of young adults is that they are attached to their phones or mobile devices and have no idea about the real value of money. Many articles mention that Millennials are not saving for the future and, in fact, could be facing a bleak financial future.
- [David Lerner Associates: How to Outlast Market Ups and Downs](https://www.davidlerner.com/newsroom/article/david-lerner-associates-how-to-outlast-market-ups-and-downs) - We have all heard stories of the wild fluctuations in the market during the Great Recession. How do you outlast these fluctuations and feel confident that the money you are working so hard to save will provide the comfortable retirement you are planning for.
- [Women and Money - The Financial Gender Gap](https://www.davidlerner.com/newsroom/article/women-and-money-the-financial-gendar-gap) - The World Economic Forum is Global Gender Gap Report shows that women are worse off this year. the pay gap is now at 64 percent.
- [David Lerner Associates: Free Financial Planning Tools](https://www.davidlerner.com/newsroom/article/david-lerner-associates-free-financial-planning-tools) - Financial Planning Month is a good time to try out some of the apps and software that can help you get your finances in better shape. These free tools should help you keep your finger on your financial pulse.
- [David Lerner Associates: 3 Financial Resolutions for your 30s](https://www.davidlerner.com/newsroom/article/david-lerner-associates-3-financial-resolutions-for-your-30s) - As the year winds down it is wise to get in financial shape and set goals for the future. There are a few financial milestones you should aim for in your 30s
- [Life Insurance vs Other Types of Insurance](https://www.davidlerner.com/newsroom/article/life-insurance-vs-other-types-of-insurance) - Life insurance is very different from the other kinds of insurance available to you. The differences are important to consider as you think over your insurance needs.
- [David Lerner Associates:  Financial Planning in your 40s](https://www.davidlerner.com/newsroom/article/david-lerner-associates-financial-planning-in-your-40s) - October is Financial Planning month so it is a good time to take stock of your future goals and put plans in place. These three resolutions should be on your list if you are in your 40s
- [Reaching Goals of Financial Success](https://www.davidlerner.com/newsroom/article/reaching-goals-of-financial-success) - Saving for retirement, taking care of one is family, eating healthier, exercising more - these are goals that a lot of people have. Sometimes it is difficult to achieve those goals when temptations lead us astray. We want to save for retirement, but then we conveniently forget our budget constraints when making a purchase.
- [David Lerner Associates: Credit Card Pitfalls](https://www.davidlerner.com/newsroom/article/david-lerner-associates-credit-card-pitfalls) - Every year in October bankers visit local classrooms on National Get Smart about Credit Day. The idea is to educate kids about the "credit facts of life."
- [David Lerner Associates: Holiday Credit Card Fraud Alert](https://www.davidlerner.com/newsroom/article/david-lerner-associates-holiday-credit-card-fraud-alert) - The 2015 holiday shopping season is almost upon us. Here are some tips to help avoid credit card fraud and keep your financial data secure this holiday season.
- [Life Insurance and Small Business](https://www.davidlerner.com/newsroom/article/life-insurance-and-small-business) - When faced with the death of a small business owner, it can be the source of great instability. Besides personal loss it raises logistical questions involving the replacement of key leadership going forward.
- [David Lerner Associates: Women Entrepreneurship Gains Support](https://www.davidlerner.com/newsroom/article/david-lerner-associates-women-entrepreneurship-gains-support) - Women in business is a trend which is gaining ground in today is marketplace. Over the past twenty years women have outscored men in startups by 150 percent.
- [Women and Life Insurance](https://www.davidlerner.com/newsroom/article/women-and-life-insurance) - Women have more financial responsibilities than ever before. The hard truth is that death is inescapable, short of someone discovering a way to reverse aging permanently, and life insurance is not like other types of insurance. It is the only kind of insurance where the policyholder is guaranteed to need it at some point in time.
- [Three Things That Can Derail Your Retirement](https://www.davidlerner.com/newsroom/article/three-things-that-can-derail-your-retirement) - The American Dream - work hard and retire comfortably at 65 - is more of a dream than a reality for most seniors. A new GAO analysis finds that among households with members aged 55 or older, nearly 29 percent have neither retirement savings nor a traditional pension plan.
- [Top Financial Mistakes That Affect Your Retirement](https://www.davidlerner.com/newsroom/article/top-financial-mistakes-that-affect-your-retirement) - As retirement approaches more and more Baby Boomers are taking stock of their financial decisions along the road to their golden years.
- [Basics of Life Insurance](https://www.davidlerner.com/newsroom/article/basics-of-life-insurance) - Death is not the most pleasant of subjects to discuss. But deciding on how much life insurance - and which type of life insurance - to put in place might turn out to be the most important talk of all.
- [David Lerner Associates: Money, Stress and Financial Planning](https://www.davidlerner.com/newsroom/article/david-lerner-associates-money-stress-and-financial-planning) - October is Financial Planning Month. Even though the economy is recovering, money is still the number one source of stress affecting the health and lifestyles of most Americans.
- [FINRA Study Reveals Millennials Lack in Financial Capabilities](https://www.davidlerner.com/newsroom/article/finra-study-reveals-millennials-lack-in-financial-capabilities) - Given the financial challenges millennials face, the ability to make well-informed and effective financial choices is important for them. A FINRA National Study suggests that younger Americans lack the financial knowledge to make well-informed decisions and that they engage in behaviors that are detrimental to their financial health.
- [10 Questions for Your Retirement](https://www.davidlerner.com/newsroom/article/10-questions-for-your-retirement) - The old fashioned idea of working for 40 years, retiring with a good pension, and a comfortable retirement is no longer the norm. For older Americans who are nearing retirement age, there are many factors to consider.
- [3 Debts to Pay Off Before Retirement](https://www.davidlerner.com/newsroom/article/3-debts-to-pay-off-before-retirement) - Heading into your golden years one is likely to consider your financial landscape and take a look at prioritizing which debts to focus on before you retire.
- [Retirement Planning for Women](https://www.davidlerner.com/newsroom/article/retirement-planning-for-women) - As with most things in life, retirement planning is slightly different for women than it is for men given the many challenges they face. To meet these financial challenges, women need to make retirement planning a priority.
- [Boomers Saddled with Rising Debt Face a Tough Retirement](https://www.davidlerner.com/newsroom/article/boomers-saddled-with-rising-debt-face-a-tough-retirement) - The patterns and type of debt amongst older Americans has changed significantly over the past few years. According to the Federal Reserve Bank of New York, the average 65 year old borrower has more debt than 65 year olds had in 2003.
- [Finance Tips for New College Grads](https://www.davidlerner.com/newsroom/article/finance-tips-for-new-college-grads) - Graduating college is a momentous life event that should be celebrated. It marks the end of a chapter, and the beginning of many new ones. It also marks the entry of many young adults into the workforce and new opportunities.
- [Financial Planning Month](https://www.davidlerner.com/newsroom/article/financial-planning-month-2) - National Financial Planning Month is an annual designation observed in October. In light of this, here are some tips to use financial planning basics for your retirement.
- [How Technology is Changing Life Insurance](https://www.davidlerner.com/newsroom/article/how-technology-is-changing-life-insurance) - September was Life Insurance Awareness month and although one might think that life insurance is something to consider as you grow older, according to LIMRA is Insurance Barometer Study 77% of Millennials say owning life insurance is a good thing.
- [Social Security and Divorced Women](https://www.davidlerner.com/newsroom/article/social-security-and-divorced-women) - For divorced women nearing retirement, time is ticking away and financial readiness is an essential factor to consider. The good news is that although Social Security can be a rather complex matter, divorced women are eligible for a benefit that equals one half of their ex spouse is full retirement amount.
- [Boomers and Debt](https://www.davidlerner.com/newsroom/article/boomers-and-debt) - Debt is not something to take lightly. Patterns in debt and the type of debt that an older generation is finding itself in has changed over the past few years. In fact, it seems that Boomers are more in debt than they were 13 years ago.
- [3 Tips for Boomers and Life Insurance](https://www.davidlerner.com/newsroom/article/3-tips-for-boomers-and-life-insurance) - Many boomers have a lot to think about especially when it comes to taking care of their loved ones once they pass on.
- [Long Term Care Planning](https://www.davidlerner.com/newsroom/article/long-term-care-planning) - October is Long Term Care Planning Month. Nearly 70% of Americans 65 and older need long term care at some point, according to the U.S. Department of Health and Human Services.
- [Financial Education](https://www.davidlerner.com/newsroom/article/financial-education) - October is National Learning and Development Month. It is important in both your professional and personal lives to keep learning, broadening, and advancing your skills. Especially when it comes to your financial education.
- [Cyber Security Awareness](https://www.davidlerner.com/newsroom/article/cyber-security-awareness) - October is National Cyber Security Awareness Month. With more and more mature Americans getting involved in the online community, the amount of scams targeting elders is ever on the rise.
- [Women and Their Finances](https://www.davidlerner.com/newsroom/article/women-and-their-finances) - Surveys show that one quarter of the women in the United States are the primary financial decision makers in their households.
- [Financial Planning and You](https://www.davidlerner.com/newsroom/article/financial-planning-and-you) - The fact that October is Financial Planning Month should not escape your attention. Making sure that you have a plan in place is essential if you want to live your life without worrying.
- [How Millennials are Changing the Student Loan Cycle](https://www.davidlerner.com/newsroom/article/how-millennials-are-changing-the-student-loan-cycle-2) - 91 percent of millennial parents are determined not to perpetuate the loan cycle with their children. This is considerably higher than other generations - 76pecent of parents ages 36-45 and 74 percent of parents ages 46-55 said that debt caused them to use other strategies to cover college costs.
- [David Lerner Associates:  Financial Challenges Widows Face](https://www.davidlerner.com/newsroom/article/david-lerner-associates-financial-challenges-widows-face-2) - Women in the US are 3X more likely to lose their spouse than men. Becoming a widow at any age can be one of the most challenging events a woman can face.On top of the emotional loss there is also the burden of suddenly handling everything--including all the finances--on your own.
- [David Lerner Associates: 5 Financial Lessons for College Students](https://www.davidlerner.com/newsroom/article/david-lerner-associates-5-financial-lessons-for-college-students-2) - Millions of young Americans will be leaving home for the first time this fall. Along with many other freedoms they will experience, they will also have to manage their own finances, probably for the first time.
- [3 Ways to Graduate Debt Free](https://www.davidlerner.com/newsroom/article/3-ways-to-graduate-debt-free-2) - Over the past ten years, the cost of a college education in America has gone up very year. Hillary Clinton recently announced a proposed student loan reform as part of her campaign.
- [David Lerner Associates: The Sensible Middle Ground of Investing](https://www.davidlerner.com/newsroom/article/david-lerner-associates-the-sensible-middle-ground-of-investing-2) - Investors in the stock market have been on somewhat of a roller-coaster ride recently. It is one thing to experience the thrill of a sudden drop at the fairground but quite another when it is your investments that take a tumble. We believe in something that we call the is ensible middle ground of investing.
- [Overcoming a Retirement Shortfall](https://www.davidlerner.com/newsroom/article/overcoming-a-retirement-shortfall) - Workers in their late 50s or early 60s may have saved a lot of money for retirement, but when they take a closer look at their situation they still fall short of being financially secure.
- [David Lerner Associates: Education Tax Credits](https://www.davidlerner.com/newsroom/article/david-lerner-associates-education-tax-credits) - Summer is most often thought of as a time for fun and relaxation. If your child is one of the 21 million heading to college in the fall it is also likely to be a time for financial planning. There is one aspect that could lighten the load - education tax credits.
- [Lessons Boomers Could Learn From Millennials](https://www.davidlerner.com/newsroom/article/lessons-boomers-could-learn-from-millennials) - There is a tendency of older, wiser folk to dismiss the views of a younger generation. However, Millennials may be able to teach Boomers some valuable lessons about how to manage money.
- [Financial Planning Helps You See the Bigger Picture](https://www.davidlerner.com/newsroom/article/financial-planning-helps-you-see-the-bigger-picture) - No matter what the goal is - owning a new home, traveling to exotic locations, driving a nice car, starting a business or retiring comfortably - there is always a price tag attached.That is why financial planning is so important.
- [Teaching Your College-Age Child about Money](https://www.davidlerner.com/newsroom/article/teaching-your-collegeage-child-about-money) - Now that they are heading off to college your children need more knowledge about money. They will be on their own and handling their own finances - probably for the first time.
- [Financial Literacy Stills Needs Improvement](https://www.davidlerner.com/newsroom/article/financial-literacy-stills-needs-improvement) - A big problem for people today appears to be the inability of most to perform basic financial calculations or understand basic investment principles.
- [David Lerner Associates:  Property Ownership Issues for Married Couples](https://www.davidlerner.com/newsroom/article/david-lerner-associates-property-ownership-issues-for-married-couples-2) - When you get married there are many financial issues that should be discussed and resolved. How to structure ownership of property is one such issue.
- [Why Should You Have a Financial Plan?](https://www.davidlerner.com/newsroom/article/why-should-you-have-a-financial-plan) - October is Financial Planning Month and your attention should be firmly on your finances. The fact of the matter is that Americans are not doing enough when it comes to planning their finances.
- [Four Things Women Need to Know about Social Security](https://www.davidlerner.com/newsroom/article/four-things-women-need-to-know-about-social-security-2) - The very first retirement benefit check was issued in 1940 and since then women have been relying on Social Security to provide much-needed retirement income.
- [Enhanced Cyber Risk Management Standards](https://www.davidlerner.com/newsroom/article/enhanced-cyber-risk-management-standards) - The Department of the Treasury, the Federal Reserve, and the Federal Deposit Insurance Corporation (FDIC) have announced intentions to establish enhanced cyber risk management standards.
- [David Lerner Associates: Women and Asset Protection](https://www.davidlerner.com/newsroom/article/david-lerner-associates-women-and-asset-protection) - Due to a decision to remain single, divorce or loss of a spouse, many women find themselves having to take charge of their financial affairs.
- [David Lerner Associates: Housing Options for Older Individuals](https://www.davidlerner.com/newsroom/article/david-lerner-associates-housing-options-for-older-individuals) - As we grow older many of our needs (and wants) change. Children grow up and move away. Raking leaves from the lawn of the large house purchased 30 years ago to provide space and recreation for a family is probably no longer top of the list of things to do..
- [Being a Financial Grown-Up](https://www.davidlerner.com/newsroom/article/being-a-financial-grownup) - Financially speaking, it is time to face up to the idea that some "adulting" is required on the part of Millennials in their financial behavior.
- [David Lerner Associates: 3 Financial Tips for Seniors](https://www.davidlerner.com/newsroom/article/david-lerner-associates-3-financial-tips-for-seniors-2) - Studies show that the retirement age in America in creeping upward as many seniors choose to keep working longer. The easing of Social Security restrictions on earning income has also contributed to the trend.
- [Financial Security in Retirement](https://www.davidlerner.com/newsroom/article/financial-security-in-retirement) - A big source of unrest in the minds of people is their retirement. More than half of Americans lose sleep thinking about retirement. Studies show that people who are confident about their retirement have a clear goal and vision for their future.
- [College Savings - Think Ahead](https://www.davidlerner.com/newsroom/article/college-savings-think-ahead-2) - More than 20 million young Americans are headed off to college this month. According to the 2015 Sallie Mae How America Pays for College report, a national study of college students and parents, families spent on average $24,164 for college in the academic year 2014-2015
- [For Love and Money](https://www.davidlerner.com/newsroom/article/for-love-and-money) - Relationships and money are two subjects which gain a lot of interest from people. Perhaps that is because these areas are ones where people would like to see improvement in their lives.
- [How to Avoid a Retirement Shock](https://www.davidlerner.com/newsroom/article/how-to-avoid-a-retirement-shock) - More than half of Americans lose sleep thinking about retirement. This is mainly because they face the uncertainty of what lies in the great unknown across the River Retirement. Studies show that people who are confident about their retirement have a clear goal and vision for their future.
- [Getting Out Of Debt](https://www.davidlerner.com/newsroom/article/getting-out-of-debt) - If your personal balance sheet is upside-down and you are one of the many with a debt problem, then here are some ideas to help throw that debt overboard.
- [Millennials and Financial Security](https://www.davidlerner.com/newsroom/article/millennials-and-financial-security) - The oldest of the Millennial generation are now reaching age 35. If ever there were a time to take a look at your financial landscape and assess one is future, now would be that time.
- [Tips for Smart Personal Finance](https://www.davidlerner.com/newsroom/article/tips-for-smart-personal-finance) - Whether you are playing catch up on retirement savings or working to eliminate debt, it pays to be financially savvy. Here are some tips to point you in the direction of smart personal finance decisions.
- [What To Do If You Are Hacked](https://www.davidlerner.com/newsroom/article/what-to-do-if-you-are-hacked) - November is Cyber Security Awareness Month. Hackers have exposed the personal information of 110 million Americans (roughly half of the nation is adults) in the last 12 months alone. That massive number is even more concerning by the amount of hacked accounts - up to 432 million.
- [Women and Financial Literacy - an issue that needs to be addressed](https://www.davidlerner.com/newsroom/article/women-and-financial-literacy-an-issue-that-needs-to-be-addressed) - Financial literacy for women is an issue that needs to be addressed in the United States. Statistics show that women earn less than men and they also on average spend more years out of the workforce. This is alarming because women are getting the short end of the stick.
- [Baby Boomers and Retirement](https://www.davidlerner.com/newsroom/article/baby-boomers-and-retirement) - The average pre-retirement Baby Boomer does not have enough savings for their retirement years and one third of Americans have no retirement savings at all.
- [David Lerner Associates: Coping with Fraud and Identity Theft](https://www.davidlerner.com/newsroom/article/david-lerner-associates-coping-with-fraud-and-identity-theft) - Whether they are snatching your purse, diving into dumpsters, stealing mail, or hacking into computers, identify thieves are a reality and can cause havoc with your financial life.
- [Financial Aid: 529 Plans and Your Familys  Future](https://www.davidlerner.com/newsroom/article/financial-aid-529-plans-and-your-familys-future) - If thinking about joining a 529 plan, or if an account is already in the cards, understanding more about how 529 funds will affect a child is chances of receiving financial aid is a smart move.
- [Life Insurance Protects Loved Ones](https://www.davidlerner.com/newsroom/article/life-insurance-protects-loved-ones) - Your life insurance needs will depend on a number of factors, including whether you are married, the size of your family. the nature of your financial obligations, your career stage, and your goals.
- [David Lerner Associates: How to Deal with Student Loans](https://www.davidlerner.com/newsroom/article/david-lerner-associates-how-to-deal-with-student-loans) - Many people who borrow money to get a higher education vaguely remember signing a piece of paper every year at college registration time. Repaying student loans as quickly and easily as possible is the best way to move forward into a more secure, less stressful future.
- [David Lerner Associates:: Life Insurance and Estate Planning](https://www.davidlerner.com/newsroom/article/david-lerner-associates-life-insurance-and-estate-planning) - In the past many families have viewed life insurance primarily as a way to pay for funeral expenses, but it is become much more than that today. Now it is seen as an integral part of estate planning.
- [Optimizing Your Social Security Retirement Benefits](https://www.davidlerner.com/newsroom/article/optimizing-your-social-security-retirement-benefits) - Optimizing your Social Security retirement benefits means getting the best return possible on each dollar you have contributed to the system over the years
- [Making the Leap from High School to College](https://www.davidlerner.com/newsroom/article/making-the-leap-from-high-school-to-college-2) - If your child is leaving for college in the fall you are probably worrying about their ability to make the leap from high school to college. For many, it can be quite an adjustment - especially if they are leaving home for the first time.
- [David Lerner Associates:  Insurance Issues for Married Couples](https://www.davidlerner.com/newsroom/article/david-lerner-associates-insurance-issues-for-married-couples-2) - It may seem like an odd thing to worry about when you are just starting out together, but the lack of adequate insurance protection can lead to financial disaster in the future
- [David Lerner Associates: The College Application Process](https://www.davidlerner.com/newsroom/article/david-lerner-associates-the-college-application-process-2) - Summer is almost over and there is much to look forward to as we move towards the fall. This is also the time of year when many families are embroiled in the college application process.
- [David Lerner Associates:Worker Classification and Taxes](https://www.davidlerner.com/newsroom/article/david-lerner-associatesworker-classification-and-taxes) - As an employer, whether you are a small business or a Fortune 100 company, the status of a worker can prove to be a thorny question when it comes to taxes.
- [How to Establish or Increase a Cash Reserve](https://www.davidlerner.com/newsroom/article/how-to-establish-or-increase-a-cash-reserve) - Cutting back on discretionary spending can help you establish a cash reserve goal sooner and will form a habit that serves you well in future years.
- [Teaching Your College-Age Child about Money](https://www.davidlerner.com/newsroom/article/teaching-your-collegeage-child-about-money-2) - Now that they are heading off to college your children need more knowledge about money. They will be on their own and handling their own finances - probably for the first time.
- [Small Business Week:  Executive Bonus Plans Boost Employee Retention](https://www.davidlerner.com/newsroom/article/small-business-week-executive-bonus-plans-boost-employee-retention) - Employee retention is a primary goal for many small businesses. Not only is it expensive to replace employees, but high employee turnover can be damaging to workplace morale and customer service.
- [Small Business Week:  Life Insurance Needs](https://www.davidlerner.com/newsroom/article/small-business-week-life-insurance-needs) - Your life insurance needs will depend upon a variety of factors, including whether you own a small business, the size of your family, the nature of your financial obligations, your career stage and your goals.
- [Planning for Earned Income in Retirement](https://www.davidlerner.com/newsroom/article/planning-for-earned-income-in-retirement) - Most people these days are not going to achieve the sort of lifestyle that was envisioned for retirement even a decade ago. Many folks now retire from their regular job and then start a business of their own or work part time.
- [David Lerner Associates: Trust Basics](https://www.davidlerner.com/newsroom/article/david-lerner-associates-trust-basics) - With a trust you can control how your assets are distributed once you have passed on or perhaps help you plan for the possibility of becoming incapacitated. The power of a trust lies in its versatility--there is a type of trust for almost every situation.
- [David Lerner Associates: Protect Your Family](https://www.davidlerner.com/newsroom/article/david-lerner-associates-protect-your-family) - One of our greatest assets is the ability to earn income. Most fathers provide for their families needs and should this ability be interrupted or taken away it could mean serious problems for the family.
- [Financial Aid Considerations for Graduate School](https://www.davidlerner.com/newsroom/article/financial-aid-considerations-for-graduate-school) - There are a few differences between financial aid options for attending graduate school and aid programs for studying at an undergraduate college
- [David Lerner Associates; Probate Pros and Cons](https://www.davidlerner.com/newsroom/article/david-lerner-associates-probate-pros-and-cons) - Estate planning is not a subject most people like to think about, but it is something everyone should consider.
- [David Lerner Associates:  Your Credit Profile](https://www.davidlerner.com/newsroom/article/david-lerner-associates-your-credit-profile) - Your credit profile can make a big difference in your financial life, not only for a major purchase like a home or car, but also for college loans, credit card terms and insurance premiums.
- [David Lerner Associates: Saving for Retirement](https://www.davidlerner.com/newsroom/article/david-lerner-associates-saving-for-retirement) - With thousands of investment possibilities and the complex rules governing retirement plans, most people do not even know where to begin.
- [Retirement Savings Challenges for Women](https://www.davidlerner.com/newsroom/article/retirement-savings-challenges-for-women) - While women have more opportunities than ever before they often face unique obstacles that can make saving for retirement a challenge
- [David Lerner Associates: 4 Myths and Facts about Social Security](https://www.davidlerner.com/newsroom/article/david-lerner-associates-4-myths-and-facts-about-social-security) - Social Security is an important source of retirement income for most Americans. But it may be unwise to rely too heavily on Social Security, because to keep the system solvent, some changes will have to be made to it
- [David Lerner Associates: Millennials vs. Boomers Gap](https://www.davidlerner.com/newsroom/article/david-lerner-associates-millennials-vs-boomers-gap) - There is a generation chasm between Millennials and Baby Boomers. Their use of technology and their choice in music and culture may be very different. But there is one area in which they are not so different: financial planning.
- [David Lerner Associates: Key Issues for Older Americans](https://www.davidlerner.com/newsroom/article/david-lerner-associates-key-issues-for-older-americans) - While retirement is generally something to look forward to there is also the concern about the cost and availability of health care and the worry about what might happen if one becomes unable to live and care for oneself independently.
- [David Lerner Associates: Planning for Marriage](https://www.davidlerner.com/newsroom/article/david-lerner-associates-planning-for-marriage) - If you are planning for marriage you are faced with the enormous responsibility of combining your personal finances with your spouse is and reassessing the way you and your spouse structured personal finances as unmarried individuals.
- [David Lerner Associates: Indexed Universal Life Insurance](https://www.davidlerner.com/newsroom/article/david-lerner-associates-indexed-universal-life-insurance) - There are several types of life insurance - one that you may not be so familiar with is called Indexed Universal Life Insurance. (IUL)
- [David Lerner Associates: Financial Planning Lessons for Educators](https://www.davidlerner.com/newsroom/article/david-lerner-associates-financial-planning-lessons-for-educators) - No matter what stage of your career you are in, working with a financial professional who understands an educator is special concerns could be beneficial.
- [David Lerner Associates: Repaying Student Loans](https://www.davidlerner.com/newsroom/article/david-lerner-associates-repaying-student-loans) - For those students graduating in June there is a new and exciting life ahead. One of the responsibilities that many graduates face is repaying their student loans.
- [David Lerner Associates:Life Insurance at Various Life Stages](https://www.davidlerner.com/newsroom/article/david-lerner-associateslife-insurance-at-various-life-stages) - Just as financial needs change over time, so too does the need for life insurance change with new circumstances. Let is look at how your life insurance needs change throughout your lifetime.
- [Give Your Children a Basic Financial Education](https://www.davidlerner.com/newsroom/article/give-your-children-a-basic-financial-education) - Kids today are very financially aware - even before they can count. As soon as they are old enough to handle money, teach them the basics of how to handle it wisely.
- [Small Business Week: What Women Should Know When Starting a Business](https://www.davidlerner.com/newsroom/article/small-business-week-what-women-should-know-when-starting-a-business) - Women-owned companies are growing much faster than every other segment of new business in our economy. There are some crucial factors for women to consider when starting a business.
- [David Lerner Associates: Making Portfolio Withdrawals](https://www.davidlerner.com/newsroom/article/david-lerner-associates-making-portfolio-withdrawals) - When planning for retirement income you will need to determine your portfolio withdrawal rate, decide which retirement accounts to tap first, and consider the impact of required minimum distributions.
- [David Lerner Associates: Healthcare Considerations for Older Americans](https://www.davidlerner.com/newsroom/article/david-lerner-associates-healthcare-considerations-for-older-americans) - At any age health care is a priority. Older Americans tend to focus more on health care than ever before. Staying healthy is your goal, and this can mean more visits to the doctor for preventive tests and routine checkups.
- [Checklist for Older Americans Nearing Retirement](https://www.davidlerner.com/newsroom/article/checklist-for-older-americans-nearing-retirement) - The first wave of the 75 million baby boomers in the US has already reached retirement age, and it is not too far off for the rest.
- [Understanding Social Security](https://www.davidlerner.com/newsroom/article/understanding-social-security-2) - Social Security is now much more than just a retirement program. Its scope has expanded to include other benefits as well, such as disability, family, and survivor is benefits.
- [David Lerner Associates: Social Security Decisions](https://www.davidlerner.com/newsroom/article/david-lerner-associates-social-security-decisions) - As you near retirement when to claim your Social Security benefits is one of the biggest decisions youll need to make. With pensions disappearing Social Security remains the major source of guaranteed lifetime retirement income for most Americans.
- [Financial Planning for When You Are Gone](https://www.davidlerner.com/newsroom/article/financial-planning-for-when-you-are-gone) - Death is certain for all of us. The sad truth is that not enough of us take a moment to consider what will happen when we are gone. In fact, 55% of Americans pass away without a will or an estate plan.
- [Smart Retirement Strategies for Boomers](https://www.davidlerner.com/newsroom/article/smart-retirement-strategies-for-boomers) - If you are one of the 76 million Baby Boomers with retirement just around the corner, it would be wise to take stock of your situation and make sure that you will not be in for a horrible surprise come retirement day.
- [Financial Thanksgiving](https://www.davidlerner.com/newsroom/article/financial-thanksgiving) - Thanksgiving is usually a time to take stock of the things we are thankful for in our lives. Here are some things in our financial lives that we can be thankful for.
- [Small Business Saturday](https://www.davidlerner.com/newsroom/article/small-business-saturday-2) - November 26th is designated as Small Business Saturday, a special day set aside as part of an American Express program to encourage people nationwide to support small local businesses.
- [Avoid These Retirement Planning Mistakes](https://www.davidlerner.com/newsroom/article/avoid-these-retirement-planning-mistakes) - Retirement looks different for everyone. Whether you want to finally climb that mountain you have been thinking about for years or spend the rest of your days in the warm tropical climes of a faraway beach paradise, someone is going to have to pay for it.
- [Retirement Planning For Couples](https://www.davidlerner.com/newsroom/article/retirement-planning-for-couples-3) - Couples have some unique advantages when it comes to retirement planning. For one thing, you have someone to pool resources with, share expenses, and help inspire (or nag) one another to save more.
- [Taxes and the New President](https://www.davidlerner.com/newsroom/article/taxes-and-the-new-president) - Now that the election is over, some think that 2017 could be one of the most influential tax reform years in history.
- [Retirement and Life Expectancy](https://www.davidlerner.com/newsroom/article/retirement-and-life-expectancy) - Life expectancy is something to take into account when planning your retirement.
- [Holiday Season and Credit Card Mistakes](https://www.davidlerner.com/newsroom/article/holiday-season-and-credit-card-mistakes) - With the holidays upon us it is always tempting to take advantage of those specials being offered by stores this time of year but without some good sense monitoring your credit card activity there are some dangerous blunders that can be made.
- [Retirement vs College Savings](https://www.davidlerner.com/newsroom/article/retirement-vs-college-savings) - Some people are faced with this very real decision - do you start saving for Little Johnny is college tuition, or do you focus on your own retirement first?
- [End of Year Financial Advice](https://www.davidlerner.com/newsroom/article/end-of-year-financial-advice) - 2016 has been a wild year, arguably one of the more interesting years we have seen in recent history. And as the year winds to a close, there are some things to take note of and tie a bow on your financial concerns.
- [Closing the Gender Gap in Retirement Planning](https://www.davidlerner.com/newsroom/article/closing-the-gender-gap-in-retirement-planning) - It is no secret that there is a gap in earnings between men and women, and while great strides have been made toward gender equality, how does that translate into retirement preparations?
- [Reasons to Invest in College Savings](https://www.davidlerner.com/newsroom/article/reasons-to-invest-in-college-savings) - Education is a gift that keeps on giving. College grads out earn people without degrees consistently and by a decent margin.
- [Make Your Retirement Planning Count](https://www.davidlerner.com/newsroom/article/make-your-retirement-planning-count) - Most Americans who are saving for their retirement have the better part of 30 years to prepare. But the average pre-retirement Baby Boomer does not have enough savings for their retirement years, and one third of Americans have no retirement savings at all.
- [Savings Goals for the New Year](https://www.davidlerner.com/newsroom/article/savings-goals-for-the-new-year) - There is no convincing argument for not saving your money. Most people will agree that saving (whether for retirement or any other reason) is an excellent idea, and it should be done.
- [Understanding Long Term Care Insurance](https://www.davidlerner.com/newsroom/article/understanding-long-term-care-insurance) - The majority of Americans who live past the age of 65 will require some sort of help caring for themselves. In fact, nearly 70% of Americans 65 and older need long term care at some point.
- [Retirement Advice for Millennials](https://www.davidlerner.com/newsroom/article/retirement-advice-for-millennials) - The generation known as Millennials is coming toward an age group where retirement should be on their minds because this is the perfect time to start preparing a retirement strategy.
- [Money Lessons for Women](https://www.davidlerner.com/newsroom/article/money-lessons-for-women-2) - Gender roles in today is society have shifted dramatically from a time when little girls grew up hoping to find a good man who could take care of them financially.
- [Preparing for Retirement](https://www.davidlerner.com/newsroom/article/preparing-for-retirement) - The truth is there is no "magic number". How much you need to save for retirement will depend entirely on your spending habits.
- [College Grads and Financial Literacy](https://www.davidlerner.com/newsroom/article/college-grads-and-financial-literacy) - Unfortunately, college students are not well prepared for the real world financially speaking, because it is not taught.
- [How to Retire Early](https://www.davidlerner.com/newsroom/article/how-to-retire-early) - Retirement is something that requires a solid plan and smart strategies, executed over a number of years. But one third of Americans are not saving for retirement, and a sizable percentage have virtually no money in savings and investments.
- [How Much Money Do You Need To Retire](https://www.davidlerner.com/newsroom/article/how-much-money-do-you-need-to-retire) - Despite many Americans being stressed about the idea of retirement, a full one third of us are not saving for retirement at all, and many do not have any idea of how much they will need to fund their golden years.
- [How to Prevent Money from Ruining Your Marriage](https://www.davidlerner.com/newsroom/article/how-to-prevent-money-from-ruining-your-marriage) - Sharing finances with a partner comes with a lot of issues; mutual trust, respect, self-worth, etc. These are all areas that, if damaged even slightly, can lead to upset and tear the fabric of a marriage apart.
- [Taking On Your Debt](https://www.davidlerner.com/newsroom/article/taking-on-your-debt) - The average American is swimming in debt, from student loans to credit cards, mortgages, and so on.
- [Older Americans Month:  Retirement Income Needs](https://www.davidlerner.com/newsroom/article/older-americans-month-retirement-income-needs) - Older Americans Month is a good time to focus on how well prepared Baby Boomers are for retirement. A good retirement plan should start with establishing the annual income requirement needed to retire.
- [David Lerner Associates: Issues Unique to Older Americans](https://www.davidlerner.com/newsroom/article/david-lerner-associates-issues-unique-to-older-americans) - Many Americans may view getting older with mixed emotions. While retirement is generally something to look forward to there is also the concern about the cost and availability of health care and the worry about what might happen if one becomes unable to live and care for oneself independently.
- [Older Americans: How Secure Is Social Security?](https://www.davidlerner.com/newsroom/article/older-americans-how-secure-is-social-security) - Older Americans who are already retired or close to retirement age probably have nothing to worry about - Social Security benefits will likely be paid to them in the amount they planned on (at least that is what most of the politicians say). But what about the rest of us?
- [Understanding Social Security](https://www.davidlerner.com/newsroom/article/understanding-social-security) - Social Security is one factor in retirement planning for millions of Americans. But Social Security is now much more than just a retirement program. It is scope has expanded to include other benefits such as disability, family,, and survivor is benefits.
- [Older Americans Month:  How Much Retirement Income Will you Need?](https://www.davidlerner.com/newsroom/article/older-americans-month-how-much-retirement-income-will-you-need) - The first wave of 75 million baby-boomers (those born between 1946 and 1964) in the US are reaching retirement age. Older Americans Month is a good time to focus on how well these boomers are prepared for retirement.
- [How Divorce Affects Social Security Retirement Benefits](https://www.davidlerner.com/newsroom/article/how-divorce-affects-social-security-retirement-benefits) - No matter how carefully one plans for retirement, unexpected events can occur that change the situation. One such challenge is divorce.
- [David Lerner Associates: New Chip Technology in the News](https://www.davidlerner.com/newsroom/article/david-lerner-associates-new-chip-technology-in-the-news) - The data breaches at major retailers in the U.S. have increased in recent years. As a way to counteract these data breaches, many U.S. credit card companies have started implementing a more secure chip-card technology called EMV (which is short for Europay, Mastercard, and Visa)
- [David Lerner Associates: Social Security Survivors  Benefits](https://www.davidlerner.com/newsroom/article/david-lerner-associates-social-security-survivors-benefits) - Although planning for what happens to your estate and your assets after you die is not something anyone likes to think about, it is a necessary part of one is financial planning.
- [David Lerner Associates: Credit Traps for the Unwary](https://www.davidlerner.com/newsroom/article/david-lerner-associates-credit-traps-for-the-unwary) - It is hard to imagine functioning in today is society without access to credit. However, one has to be careful not to fall victim to some of the pitfalls associated with it.
- [David Lerner Associates: Raising Capital for Your Business](https://www.davidlerner.com/newsroom/article/david-lerner-associates-raising-capital-for-your-business) - Every entrepreneur knows that adequate financing is vital to the success of a business. Failure to acquire adequate funding often determines whether a business can get off the ground, not to mention whether it can sustain itself into the future
- [David Lerner Associates: Fighting Fraud And Identity Theft with New Technology](https://www.davidlerner.com/newsroom/article/david-lerner-associates-fighting-fraud-and-identity-theft-with-new-technology) - Retailers are finally stepping up their game. The United States in in the process of replacing its current is wipe and sign card technology with a more secure technology called EMV, which is short for Europay Mastercard and Visa.
- [David Lerner Associates: Women is  Health Care in Retirement](https://www.davidlerner.com/newsroom/article/david-lerner-associates-women-is-health-care-in-retirement) - At any age health care is a priority. But when a person retires focus on health care is more important than ever before. This is especially true for women.
- [David Lerner Associates: 6 Reasons to Work with a Financial Professional](https://www.davidlerner.com/newsroom/article/david-lerner-associates-6-reasons-to-work-with-a-financial-professional) - No matter what stage of life you are in you could probably benefit from working with a financial professional. Here are six reasons why.
- [David Lerner Associates: Does it Cost More to be a Woman in 2015?](https://www.davidlerner.com/newsroom/article/david-lerner-associates-does-it-cost-more-to-be-a-woman-in-2015) - Many areas of women is lives are in the spotlight during International Women is month. One important factor that has still not been achieved in the US is financial equality - as witnessed by the responses to Patricia Arquette is passionate plea for equal pay for equal work in her acceptance speech at the 2015 Oscars
- [David Lerner Associates: The Gender Gap in Wealth Management](https://www.davidlerner.com/newsroom/article/david-lerner-associates-the-gender-gap-in-wealth-management) - According to a study that performs research on financial trends in the US, women have made good progress in many areas of financial literacy, but there is still a gender gap when it comes to investment and wealth management.
- [David Lerner Associates: Women and Estate Planning Basics](https://www.davidlerner.com/newsroom/article/david-lerner-associates-women-and-estate-planning-basics) - When it comes to estate planning, women have unique concerns. Women live an average of 4.8 years longer than men, so there is a greater chance that they will need their assets to last longer, and they have a greater need to plan for incapacity. It also means that women need to take responsibility for their own estate planning.
- [David Lerner Associates: Charitable Deduction](https://www.davidlerner.com/newsroom/article/david-lerner-associates-charitable-deduction) - The charitable deduction allows you to take off the value of property you offer to charity from your property and might minimize any federal gift and estate tax that might be owed. Charitable gifting allows you to satisfy your personal philanthropic desires and satisfy your estate planning objectives.
- [David Lerner Associates: Switching Professions? Take Your 401(k) and Roll It](https://www.davidlerner.com/newsroom/article/david-lerner-associates-switching-professions-take-your-401k-and-roll-it) - Sometimes, you have no alternative - you need to use the funds. If so, try to minimize the tax impact. For example, if you have nontaxable after-tax contributions in your account, keep in mind that you can roll over just the taxable portion of your distribution and keep the nontaxable portion for yourself.
- [How to Eliminate Credit Card Debt](https://www.davidlerner.com/newsroom/article/how-to-eliminate-credit-card-debt) - Being saddled with credit card is never a good thing, especially when you are only paying your minimums, hardly touching your principal, and just getting by every month.
- [Financial Security for Young Adults](https://www.davidlerner.com/newsroom/article/financial-security-for-young-adults) - Millennials have an advantage in that they have a comparative wealth of time to plan for retirement and allow smart financial investments to mature
- [Millennials and Retirement Advice](https://www.davidlerner.com/newsroom/article/millennials-and-retirement-advice) - Millennials are heading toward an age where retirement should be on their minds, not because they are going to retire soon but because this is the ideal time to start preparing a retirement strategy.
- [Raising Financial Literacy](https://www.davidlerner.com/newsroom/article/raising-financial-literacy) - While one might be forgiven for thinking that a lack of financial literacy is exclusively a problem with young people and students, 41% of adults gave themselves a grade of C, D, or F regarding their knowledge of personal finance.
- [Women and Retirement Planning](https://www.davidlerner.com/newsroom/article/women-and-retirement-planning-4) - As with most things in life, retirement planning is slightly different for women than it is for men given the many challenges they face. To meet these financial challenges women need to make retirement planning a priority.
- [Taxes and Long Term Care](https://www.davidlerner.com/newsroom/article/taxes-and-long-term-care) - Long term care expenses can wipe out a person is savings and investments. That is why it is important to consider long term care insurance.
- [Is Life Insurance Necessary?](https://www.davidlerner.com/newsroom/article/is-life-insurance-necessary) - Life insurance is very different from other kinds of insurance. The differences are important to consider as you think over your insurance needs.
- [The Importance of Life Insurance](https://www.davidlerner.com/newsroom/article/the-importance-of-life-insurance) - Benjamin Franklin wrote in a 1789 letter that in this world nothing can be said to be certain, except death and taxes. The great unknown is exactly that, unknown, and none of us knows exactly when we are going to leave this world.
- [A Guide to Estate Planning](https://www.davidlerner.com/newsroom/article/a-guide-to-estate-planning) - Do you have an estate plan? A basic estate plan is an important financial document for everyone to have, whether you think you need one or not, and here is why.
- [A Guide to Life Insurance](https://www.davidlerner.com/newsroom/article/a-guide-to-life-insurance) - Death can be considered a morbid subject to discuss. But making an important decision regarding your life insurance - and which type of life insurance - might turn out to be one of the most important discussions of all.
- [Top 3 Reasons Why You are Failing at Saving Money](https://www.davidlerner.com/newsroom/article/top-3-reasons-why-you-are-failing-at-saving-money) - Americans are in the midst of a savings crisis. A massive 63% of Americans do not have enough savings to withstand a $500 emergency. Even more concerning is that there is a growing percentage of Americans with no savings at all.
- [The Number One Rule for Personal Finance](https://www.davidlerner.com/newsroom/article/the-number-one-rule-for-personal-finance) - There is growing concern that Americans are in the midst of a savings crisis. The statistics are more than mildly concerning. Most Americans do not have enough savings to withstand a $500 emergency.
- [Tips for Lending Money](https://www.davidlerner.com/newsroom/article/tips-for-lending-money) - There is an old saying, "If you want to get rid of your enemies, just lend them some money, and you will never hear from them again." We have all had a situation where a friend or family member is in need, and we have all been asked for some help.
- [The American Dream According To Millennials](https://www.davidlerner.com/newsroom/article/the-american-dream-according-to-millennials) - A recent study gave some very interesting insights into the minds of the generation know as Millennials, especially with regards to money and The American Dream.
- [A Savings Crisis in America](https://www.davidlerner.com/newsroom/article/a-savings-crisis-in-america) - Take a look at your savings account. If you were hit with an unexpected expense of $500 or $1000, would you be able to pay it?
- [Overcoming Fear of Retirement](https://www.davidlerner.com/newsroom/article/overcoming-fear-of-retirement) - There are many unknown factors when it comes to saving for your retirement. In some ways, it can be a guessing game.
- [Retirement Planning Difficulties for Women](https://www.davidlerner.com/newsroom/article/retirement-planning-difficulties-for-women) - Women face significant difficulties however the number of wealthy women in the United States is rising twice as fast as the number of wealthy men. Experts estimate that by 2030, women will control as much as two-thirds of the nation is wealth.
- [Life Insurance and Long Term Care](https://www.davidlerner.com/newsroom/article/life-insurance-and-long-term-care) - Nearly 70% of Americans 65 and older need long term care at some point. Life insurance and Long Term Care insurance are financial services that are extremely useful.
- [What Most People Do not Understand About 401(k) Plans](https://www.davidlerner.com/newsroom/article/what-most-people-do-not-understand-about-401k-plans) - A 401(k) plan is something that not everyone has. In fact, an incredible 68% of Americans are not saving in an employer-sponsored retirement plan.
- [Top Scams of 2016 - Continue in 2017](https://www.davidlerner.com/newsroom/article/top-scams-of-2016-continue-in-2017) - Tax scams are still at the top of the list for the past two years, despite a police raid in India in September, which resulted in a huge drop in reported incidents.
- [Why Write a Business Plan](https://www.davidlerner.com/newsroom/article/why-write-a-business-plan) - Writing a business plan does not have to take months, compiling pages and pages of text. You can create a plan in under a month, working at your own pace. Use a presentation format like PowerPoint or Keynote to save time, and make it easier to share.
- [David Lerner Associates: Loans are a Primary Financing Sources for a Business](https://www.davidlerner.com/newsroom/article/david-lerner-associates-loans-are-a-primary-financing-sources-for-a-business) - There are many sources of financing available to a business owner. Consider all options carefully before making any decisions. The following list of loan sources should provide some ideas.
- [David Lerner Associates: Analyzing Estate Planning and Income Tax Basis](https://www.davidlerner.com/newsroom/article/david-lerner-associates-analyzing-estate-planning-and-income-tax-basis) - Income tax basis may be essential when deciding whether to make gifts now or transfer real estate at your death. The income tax basis for the person receiving the property depends upon whether the transfer is by gift or at death.
- [David Lerner Associates: New Vets Pension Rates Released](https://www.davidlerner.com/newsroom/article/david-lerner-associates-new-vets-pension-rates-released) - The U.S. Department of Veterans Affairs (VA) provides a tax-free, supplemental pension to qualifying wartime veterans and their families.The latest MAPR rates, effective December 1, 2014, are available on the U.S. Department of Veterans Affairs website.
- [David Lerner Associates: Asset Allocation](https://www.davidlerner.com/newsroom/article/david-lerner-associates-asset-allocation) - As you transition into retirement, your priorities for and demands on your portfolio are likely to be different. Your asset allocation strategy will probably be different than the one you used when saving for retirement.
- [David Lerner Associate:: Women and Finances](https://www.davidlerner.com/newsroom/article/david-lerner-associate-women-and-finances) - Women tend to live longer than men, so most women are likely to be responsible for their own financial welfare at some point in life. So it is important for women to understand their financial options.
- [David Lerner Associates: The Economic Rebound](https://www.davidlerner.com/newsroom/article/david-lerner-associates-the-economic-rebound) - It is been nearly six years since the official end of the Great Recession. Now, finally, Americans have reasons to feel upbeat about their financial prospects. Key economic indicators are signally progress for the US economy..
- [Women and Retirement Planning](https://www.davidlerner.com/newsroom/article/women-and-retirement-planning-5) - National Retirement Planning Week is of particular interest to women. Because their careers are often interrupted to care for children or elderly parents, women may spend less time in the workforce and earn less money than men in the same age group.
- [David Lerner Associates: Equity Financing Sources](https://www.davidlerner.com/newsroom/article/david-lerner-associates-equity-financing-sources) - Every business needs capital either to get started or to fund operations and expansion. Here are some ideas for equity financing sources.
- [Are 529 Assets Subject to Medicaid Spend-down Requirements?](https://www.davidlerner.com/newsroom/article/are-529-assets-subject-to-medicaid-spenddown-requirements) - Unless future legislation exempts 529 plans from Medicaid rules it would be wiser to assume that these assets could be subject to the state is grasp.
- [David Lerner Associates: Financially Speaking, Women and Men are Different](https://www.davidlerner.com/newsroom/article/david-lerner-associates-financially-speaking-women-and-men-are-different) - Women today have never been in a better position to achieve financial security for themselves and their families. What financial course will you chart?
- [David Lerner Associates: National Family Caregivers Month](https://www.davidlerner.com/newsroom/article/david-lerner-associates-national-family-caregivers-month) - As National Family Caregivers month draws to a close this week, David Lerner Associates takes a look at the ways to prepare, in case you have to be a family caregiver in the future.
- [David Lerner Associates: Choosing Which Financial Records to Keep](https://www.davidlerner.com/newsroom/article/david-lerner-associates-choosing-which-financial-records-to-keep) - It is important to always keep critical documents and records safe and secure but accessible in a time of need. Particular documents and records are too vital to retain in an ordinary file drawer.
- [David Lerner Associates: Defining Qualified Education Expenses](https://www.davidlerner.com/newsroom/article/david-lerner-associates-defining-qualified-education-expenses) - The term "qualified education expenses" is utilized frequently in education circles, but it can mean numerous things depending upon the context. Find out more using this table.
- [David Lerner Associates: Rollovers](https://www.davidlerner.com/newsroom/article/david-lerner-associates-rollovers) - Use this rollover guide to help you decide where you can move your retirement dollars.
- [David Lerner Associates: Family Care Support and Services](https://www.davidlerner.com/newsroom/article/david-lerner-associates-family-care-support-and-services) - Caring for your aging parents will be easier if you know what kinds of support and community services are available and where to locate them.
- [David Lerner Associates: Managing Money and Marriage](https://www.davidlerner.com/newsroom/article/david-lerner-associates-managing-money-and-marriage) - Planning carefully and communicating clearly with your spouse are important, because the financial decisions that you make now can have a lasting impact on your future.
- [David Lerner Associates: Financial Considerations for Family Caregivers](https://www.davidlerner.com/newsroom/article/david-lerner-associates-financial-considerations-for-family-caregivers) - Caring for your aging parents is not only an emotional burden it may also be a financial one. It will depend on how well off your parents are and how much caring for them costs.
- [David Lerner Associates: Comprehending Investment Terms and Concepts](https://www.davidlerner.com/newsroom/article/david-lerner-associates-comprehending-investment-terms-and-concepts) - When you decide to start investing it is always wise to understand what you are investing in. The better you comprehend the information you receive, the more comfortable you will be with the course you have chosen.
- [David Lerner Associates: Mutual Fund Fundamentals](https://www.davidlerner.com/newsroom/article/david-lerner-associates-mutual-fund-fundamentals) - We often hear that an investment portfolio should include a mutual fund. But what exactly is a mutual fund?
- [David Lerner Associates: Retirement Planning Numbers for 2015](https://www.davidlerner.com/newsroom/article/david-lerner-associates-retirement-planning-numbers-for-2015) - Every year the IRS adjusts retirement plans and IRA limits for inflation. Many of the limits eligible for a cost-of-living adjustment (COLA) have gone up for 2015. Some of the key numbers for 2015 are shown here.
- [David Lerner Associates: Mutual Fund Basics](https://www.davidlerner.com/newsroom/article/david-lerner-associates-mutual-fund-basics) - There are many mutual funds to choose from. The two most common types are stock mutual funds and bond mutual funds. Find out more in this article on Mutual Fund Basics.
- [David Lerner Associates: Financially Speaking, Women and Men are Different](https://www.davidlerner.com/newsroom/article/david-lerner-associates-financially-speaking-women-and-men-are-different-2) - Women have never been in a better position to achieve financial security for themselves and their families.Women need to take advantage of this position and educate themselves about finances.
- [David Lerner Associates: Community Resources for Older Individuals](https://www.davidlerner.com/newsroom/article/david-lerner-associates-community-resources-for-older-individuals) - January is National Poverty in America Awareness Month. One of the sectors of our society affected by poverty is older Americans. There are many community resources and programs that can help alleviate the problems of poverty.
- [David Lerner Associates: How to Resolve Retirement Income Shortfalls](https://www.davidlerner.com/newsroom/article/david-lerner-associates-how-to-resolve-retirement-income-shortfalls) - Without prudent planning and a commitment to saving now to make that happen, millions of older Americans find themselves with an income shortfall.
- [David Lerner Associates: Fraud Tips for Older Americans](https://www.davidlerner.com/newsroom/article/david-lerner-associates-fraud-tips-for-older-americans) - David Lerner Associates: Fraud Hits Older Americans Hard. Now that the majority of seniors are active online, scammers are targeting them. Here are some tips to avoid falling victim to their scams.
- [David Lerner Associates: Distribution Funds - Putting Revenue on Autopilot](https://www.davidlerner.com/newsroom/article/david-lerner-associates-distribution-funds-putting-revenue-on-autopilot) - As baby boomers retire, they begin to focus less on accumulating assets and more on how those assets may be converted into an ongoing stream of income. Distribution funds are one way to simplify that method.
- [David Lerner Associates: The Rising Cost of College](https://www.davidlerner.com/newsroom/article/david-lerner-associates-the-rising-cost-of-college) - Each year the College Board releases its Trends in College Pricing and Trends in Student Aid, a report that shows college expenses and trends in financial aid. The report shows costs are rising in 2014/2015.
- [David Lerner Associates: Just How Much Yearly Revenue Can Your Retirement Portfolio Provide?](https://www.davidlerner.com/newsroom/article/david-lerner-associates-just-how-much-yearly-revenue-can-your-retirement-portfolio-provide) - Prolonging your savings may call for attention to tax issues. For example, how will higher withdrawal rates affect your tax bracket? And does your withdrawal rate take into account whether you will owe taxes on that money?
- [David Lerner Associates: Identity Theft Fraud Tips](https://www.davidlerner.com/newsroom/article/david-lerner-associates-identity-theft-fraud-tips) - Reports of the rise in identity theft are in the news all the time, yet many people think it will never happen to them. This article contains some helpful tips on how to avoid becoming the victim of identity theft and fraud.
- [David Lerner Associates: Helping pay for your Grandchildrens  education](https://www.davidlerner.com/newsroom/article/david-lerner-associates-helping-pay-for-your-grandchildrens-education) - Tuition payments made directly to a university are not considered taxable gifts, no matter how large the payment. But this is true only for tuition, not room and board, books, or fees. Find out more...
- [David Lerner Associates: Social Security and Divorce](https://www.davidlerner.com/newsroom/article/david-lerner-associates-social-security-and-divorce) - If you want to qualify for one half of your ex-spouse is Social Security benefits, there are certain requirements which must be met.
- [David Lerner Associates: The difference between a power of attorney and a durable power of attorney](https://www.davidlerner.com/newsroom/article/david-lerner-associates-the-difference-between-a-power-of-attorney-and-a-durable-power-of-attorney) - What are the differences between power of attorney and a durable power of attorney? Find out here.
- [David Lerner Associates: Reasons Why Women Require Life Insurance](https://www.davidlerner.com/newsroom/article/david-lerner-associates-reasons-why-women-require-life-insurance) - Women have more financial responsibilities now more than ever before. Whether you are single, married, employed, or a stay-at-home mom, you most likely need life insurance.
- [David Lerner Associates: A Primer - Understanding Different Types of Life Insurance](https://www.davidlerner.com/newsroom/article/david-lerner-associates-a-primer-understanding-different-types-of-life-insurance) - Life insurance is different from most other types of insurance like health, car and homeowners insurance in at least one key respect: It covers against an event that is certain to occur at some point in time - the policyholder is death.
- [David Lerner Associates: Life Insurance as an Asset](https://www.davidlerner.com/newsroom/article/david-lerner-associates-life-insurance-as-an-asset) - Life Insurance does not have to be an expense. It can be viewed as an asset that will eventually provide a return on your investment.
- [David Lerner Associates: How to Organize Your Finances After Your Spouse Passes Away](https://www.davidlerner.com/newsroom/article/david-lerner-associates-how-to-organize-your-finances-after-your-spouse-passes-away) - Losing a spouse is a stressful transition. And the added stress of having to settle the estate and organize finances can be overwhelming. Fortunately, there are steps you can take to make handling these kinds of issues less difficult.
- [David Lerner Associates: Important Documents You Need for Estate Planning](https://www.davidlerner.com/newsroom/article/david-lerner-associates-important-documents-you-need-for-estate-planning) - There are five estate planning documents you may need, despite your age, health, or wealth. Read more about those documents and important estate planning tips.
- [David Lerner Associates: A Retirement Income Roadmap For Women](https://www.davidlerner.com/newsroom/article/david-lerner-associates-a-retirement-income-roadmap-for-women) - It is essential to become involved in retirement planning even if you are married. Many women end up single at some time in their lives due to divorce or death of a spouse.
- [David Lerner Associates: Why Certain People Claim Social Security Benefits Early](https://www.davidlerner.com/newsroom/article/david-lerner-associates-why-certain-people-claim-social-security-benefits-early) - There are many reasons people decide to claim Social Security retirement benefits at the earliest possible age of 62 according to a recent General Accounting Office report.
- [David Lerner Associates: The 2014 Social Security Trustees Report](https://www.davidlerner.com/newsroom/article/david-lerner-associates-the-2014-social-security-trustees-report) - The financial projections in this report indicate that even though the trust fund that finances Medicare is hospital insurance coverage will remain solvent until 2030 (four years beyond last year is projection), steps need to be taken to address Medicare is financial challenges.
- [David Lerner Associates: College Savings Plans: 529](https://www.davidlerner.com/newsroom/article/david-lerner-associates-college-savings-plans-529) - Section 529 college savings plans are tax-advantaged college savings vehicles and one of the most popular ways to save for college today.
- [David Lerner Associates: Social Security and Medicare](https://www.davidlerner.com/newsroom/article/david-lerner-associates-social-security-and-medicare) - Many Americans now choose to continue working after age 65. Some do it for financial reasons and others because they just do not feel ready to retire.
- [David Lerner Associates: 2015 Social Security and Medicare Figures](https://www.davidlerner.com/newsroom/article/david-lerner-associates-2015-social-security-and-medicare-figures) - The Social Security Administration has announced the new figures that beneficiaries will receive for 2015.
- [David Lerner Associates: Speaking to your aging parents about their finances](https://www.davidlerner.com/newsroom/article/david-lerner-associates-speaking-to-your-aging-parents-about-their-finances) - Speaking to your parents about money is usually complicated, particularly when the money you are talking about is theirs. Here are some tips to help you through this process.
- [David Lerner Associates: Taking Care of Your Aging Parents (Part 1)](https://www.davidlerner.com/newsroom/article/david-lerner-associates-taking-care-of-your-aging-parents-part-1) - Your parents need you, and you need help. This is the first of our 3 part series on caring for your parents as they get older.
- [David Lerner Associates: Taking Care of Your Aging Parents (Part 2)](https://www.davidlerner.com/newsroom/article/david-lerner-associates-taking-care-of-your-aging-parents-part-2) - This is Part 2 of a 3 part series on taking care of your aging parents. This time we will be focusing on different types of support available for your parents as well as yourself.
- [David Lerner Associates: Taking Care of Your Aging Parents (Part 3)](https://www.davidlerner.com/newsroom/article/david-lerner-associates-taking-care-of-your-aging-parents-part-3) - The last article in our 3 part series, focuses on the financial aspects of caring for aging parents.
- [5 Ways to Become an Olympic Retirement Saver](https://www.davidlerner.com/newsroom/article/5-ways-to-become-an-olympic-retirement-saver) - It took many years of hard work, dedication and training for Olympic athletes to reach the pinnacle of athletic achievement.In some ways saving for retirement is similar to training to compete in the Olympic Games
- [David Lerner Associates: Review of Common Money MIstakes](https://www.davidlerner.com/newsroom/article/david-lerner-associates-review-of-common-money-mistakes) - Most people try to avoid making major mistakes when it comes to managing their money. Even the most savvy money managers are not immune from making a few blunders.In this review we examine five common personal financial and money management mistakes.
- [David Lerner Associates: 3 Steps to Help Prevent Financial Fraud](https://www.davidlerner.com/newsroom/article/david-lerner-associates-3-steps-to-help-prevent-financial-fraud) - Research shows older Americans are especially vulnerable to fraud. Here are three strategies to help distinguish between legitimate and fraudulent investment opportunities.
- [Spirit of America Launches Energy Fund](https://www.davidlerner.com/newsroom/article/spirit-of-america-launches-energy-fund) - Spirit of America is New Energy Mutual Fund is offered exclusively at David Lerner Associates, a privately-held securities broker dealer headquartered in Syosset, New York.
- [David Lerner Associates: Inherited IRAs and Bankruptcy](https://www.davidlerner.com/newsroom/article/david-lerner-associates-inherited-iras-and-bankruptcy) - Since the enactment of the Bankruptcy Abuse Prevention and Consumer Protection Act in 2005, individual retirement accounts (IRAs) have been safeguarded under federal law if you declare bankruptcy.
- [David Lerner Associates: Women and Estate Planning Basics](https://www.davidlerner.com/newsroom/article/david-lerner-associates-women-and-estate-planning-basics-2) - When it concerns estate planning females have unique concerns. The fact is that women live approximately 4.8 years longer than men.
- [David Lerner Associates: Should You Pay Off Your Debt or Save for Your Retirement?](https://www.davidlerner.com/newsroom/article/david-lerner-associates-should-you-pay-off-your-debt-or-save-for-your-retirement) - Like many people, you may be torn between paying off debt and the need to save for retirement. Both are vital.
- [New FINRA Report: Financial Fraud Is On the Rise](https://www.davidlerner.com/newsroom/article/new-finra-report-financial-fraud-is-on-the-rise) - Even though fraud solicitations are widespread many say they cannot identify classic red flags of financial fraud.
- [David Lerner Associates: Funeral Insurance May Be Necessary, But Watch Out for Scams](https://www.davidlerner.com/newsroom/article/david-lerner-associates-funeral-insurance-may-be-necessary-but-watch-out-for-scams) - Funeral insurance is a way to spare your loved ones the financial burden of needing to pay for your final expenses. Here is some helpful information about funeral insurance and how to avoid scams.
- [David Lerner Associates: Making Sense of Bond Yields and the Yield Curve](https://www.davidlerner.com/newsroom/article/david-lerner-associates-making-sense-of-bond-yields-and-the-yield-curve) - When it comes to investing in bonds, among the first factors to consider is yield, but what exactly is "yield?" The answer depends on how the term is being used.
- [David Lerner Associates: Is Bitcoin Just a Trend or the Future of Currency?](https://www.davidlerner.com/newsroom/article/david-lerner-associates-is-bitcoin-just-a-trend-or-the-future-of-currency) - It is hard to use a currency when you are not sure from day to day whether the amount in your virtual wallet is worth enough to buy a Range Rover or a tank of gas.
- [David Lerner Associates: Are You Planning to Work During Retirement](https://www.davidlerner.com/newsroom/article/david-lerner-associates-are-you-planning-to-work-during-retirement) - As employees near retirement age, more and more plan to work at least some of the time during the course of their retirement years.
- [David Lerner Associates: Evaluating Risk Tolerance](https://www.davidlerner.com/newsroom/article/david-lerner-associates-evaluating-risk-tolerance) - All investments have some level of risk, and if you are planning to invest your money, it is important to become familiar with how much volatility you can endure.
- [David Lerner Associates: Setting and Prioritizing Your Budget Goals](https://www.davidlerner.com/newsroom/article/david-lerner-associates-setting-and-prioritizing-your-budget-goals) - Without clear budget goals your financial life may remain in disarray. Your budget goals help you turn your financial wish list into an action strategy.
- [David Lerner Associates: Leaving a Legacy](https://www.davidlerner.com/newsroom/article/david-lerner-associates-leaving-a-legacy) - You have worked hard over the years to build up wealth, and you probably find it comforting to know that the assets you leave behind will continue to be a source of support for your family.
- [David Lerner Associates: How can I defend myself from identity theft?](https://www.davidlerner.com/newsroom/article/david-lerner-associates-how-can-i-defend-myself-from-identity-theft) - The most effective way to protect yourself from identity fraud is to try to prevent it from happening in the first place. Here are some tips.
- [David Lerner Associates: Managing Periods of Crisis](https://www.davidlerner.com/newsroom/article/david-lerner-associates-managing-periods-of-crisis) - Smart planning is the key to effectively handling periods of crisis. Whether you are planning ahead or dealing with a crisis now, take control. Here are some tips.
- [David Lerner Associates: Misconceptions and Realities about Social Security](https://www.davidlerner.com/newsroom/article/david-lerner-associates-misconceptions-and-realities-about-social-security) - There is no doubt about it, Social Security is an essential source of retirement income for most Americans. More than nine out of ten people age 65 and older obtain Social Security advantages.
- [David Lerner Associates: "Qualified plan" - What does it mean?](https://www.davidlerner.com/newsroom/article/david-lerner-associates-ampquotqualified-planampquot-what-does-it-mean) - There are numerous different types of qualified plans, but they all fall into two categories. The advantages you receive from the plan depend upon investment performance.
- [David Lerner Associates: Determining net worth](https://www.davidlerner.com/newsroom/article/david-lerner-associates-determining-net-worth) - The initial step in the financial planning procedure must be to determine your net worth. Once you figure out your net worth, you will begin mapping out your financial future.
- [David Lerner Associates News: Five Ways to Power Up a Life Insurance Generator](https://www.davidlerner.com/newsroom/article/david-lerner-associates-news-five-ways-to-power-up-a-life-insurance-generator) - David Lerner Associates identifies five key areas that can be "powered up" by plugging into a "life insurance generator".
- [David Lerner Associates News: 4 Important Facts About the Affordable Care Act](https://www.davidlerner.com/newsroom/article/david-lerner-associates-news-4-important-facts-about-the-affordable-care-act) - Although there have been a number of changes to the Affordable Care Act (commonly known as Obamacare) in recent months the ACA is major provisions still remain in force.
- [David Lerner Associates News: 2014 Social Security COLA Is.1.5 Percent](https://www.davidlerner.com/newsroom/article/david-lerner-associates-news-2014-social-security-cola-is15-percent) - In October the SSA announced that the Social Security Cost-of-Living (COLA) in 2014 will be 1.5 percent, down slightly from the 1.7 percent increase in 2013.
- [David Lerner Associates News: Are Municipal Bonds a Smart Investment in 2014?](https://www.davidlerner.com/newsroom/article/david-lerner-associates-news-are-municipal-bonds-a-smart-investment-in-2014) - Municipal bonds have long been popular investments among some individuals due to their tax-free status and income-generating properties. Earnings from muni bonds are generally exempt from federal income tax, as well as state and local income tax for residents in the state in which they live.
- [David Lerner Associates News: Seniors, Do You Have to File a 2013 Tax Return?](https://www.davidlerner.com/newsroom/article/david-lerner-associates-news-seniors-do-you-have-to-file-a-2013-tax-return) - Depending on the amount of their gross income, their filing status and their age, some seniors might not have to file a federal income tax return this year.
- [David Lerner Associates News: What Should You Do With Your Tax Refund?](https://www.davidlerner.com/newsroom/article/david-lerner-associates-news-what-should-you-do-with-your-tax-refund) - Many people view their tax refund as free money. A tax refund is your money that you essentially loaned to the government by having more tax withheld from your paycheck than was necessary.
- [Women and Wealth Management: Is There a Gender Gap?](https://www.davidlerner.com/newsroom/article/women-and-wealth-management-is-there-a-gender-gap) - A new study conducted by Boston Consulting Group indicates that women believe they receive a lower quality of wealth management service than men do.Over half (55 percent) of the women who responded said their wealth manager could do a better job of advising them than he or she was currently doing.
- [David Lerner Associates News: Elder Poverty Is Projected to Rise](https://www.davidlerner.com/newsroom/article/david-lerner-associates-news-elder-poverty-is-projected-to-rise) - The Social Security system "is facing serious financial problems, and action is needed soon to make sure the system will be sound when today is younger workers are ready for retirement."
- [David Lerner Associates News: Four Personal Finance Tips for New College Graduates](https://www.davidlerner.com/newsroom/article/david-lerner-associates-news-four-personal-finance-tips-for-new-college-graduates) - According to the National Center for Education Statistics, more than 1.6 million students who will graduate from college this year will not be ready to be financially independent
- [David Lerner Associates: Gender Gap Extends to 401(k) Plans](https://www.davidlerner.com/newsroom/article/david-lerner-associates-gender-gap-extends-to-401k-plans) - Studies have indicated that a gender gap exists between men and women when it comes to overall financial literacy.
- [David Lerner Associates: How to Reduce Your Living Expenses During Retirement](https://www.davidlerner.com/newsroom/article/david-lerner-associates-how-to-reduce-your-living-expenses-during-retirement) - Cutting down on your spending is one of the best ways to make your retirement savings last longer.
- [David Lerner Associates: Review Common Retirement Planning Mistakes](https://www.davidlerner.com/newsroom/article/david-lerner-associates-review-common-retirement-planning-mistakes) - And about half of Americans say they are actively saving for retirement, with about one-third saying they have not saved any money yet for their future retirement.
- [David Lerner Associates: Three Potential Retirement Plan Options for Small Businesses](https://www.davidlerner.com/newsroom/article/david-lerner-associates-three-potential-retirement-plan-options-for-small-businesses) - Many small business owners think that they ca not afford to offer a retirement plan to their employees. However, this often is not the case.
- [David Lerner Associates: Should You Consider a Mid-Life Career Change?](https://www.davidlerner.com/newsroom/article/david-lerner-associates-should-you-consider-a-midlife-career-change) - More and more people in their late-40s and 50s today are learning new skills and acquiring the training and education they need to start new careers at this relatively late stage of their lives.
- [David Lerner Associates: Early 401(k) Withdrawals: A Troubling Trend](https://www.davidlerner.com/newsroom/article/david-lerner-associates-early-401k-withdrawals-a-troubling-trend) - When people take money out of their 401(k) plan early, not only are they paying a heavy price in penalties and taxes, but they are also potentially jeopardizing their future retirement security.
- [David Lerner Associates : Tips to Protect Against ATM Skimming Scam](https://www.davidlerner.com/newsroom/article/david-lerner-associates-tips-to-protect-against-atm-skimming-scam) - Using Automated Teller Machines has become commonplace among Americans today. But many people are not aware of an ATM scam that could end up costing them big-time.
- [David Lerner Associates: Review Your Financial Resolutions for the New Year](https://www.davidlerner.com/newsroom/article/david-lerner-associates-review-your-financial-resolutions-for-the-new-year) - Review what might be on your list of financial resolutions this year. And instead of calling them New Year;s resolutions, regard them as smart financial steps that you can take to help get and keep your finances on track this year.
- [Retirement Tip for Entrepreneurs](https://www.davidlerner.com/newsroom/article/retirement-tip-for-entrepreneurs) - Entrepreneurs and small business owners often think that their only retirement plan involves an IRA. The 401(k) was historically only used by large companies and their employees, however, it has evolved into a flexible savings vehicle for people outside of corporate America.
- [David Lerner Associates: How to Spot Signs of a Credit Card Fraud Offer](https://www.davidlerner.com/newsroom/article/david-lerner-associates-how-to-spot-signs-of-a-credit-card-fraud-offer) - The recent major data security breach at Target brought the topic of debit and credit card fraud front and center. But this type of fraud is not limited to just the theft of sensitive data from cards.
- [How to Make the Most of Your Retirement Planning](https://www.davidlerner.com/newsroom/article/how-to-make-the-most-of-your-retirement-planning) - Retirement is something that we should be thinking about. Whether you work in the corporate world or are a self-employed entrepreneur or a freelancer, it does not matter. We all want to know that our latter years will be taken care of financially.
- [David Lerner Associates: Review Your Life Insurance Needs](https://www.davidlerner.com/newsroom/article/david-lerner-associates-review-your-life-insurance-needs) - New Year is Financial Housekeeping: do you have life insurance-- and is it enough?
- [Financial Planning for Women after Divorce](https://www.davidlerner.com/newsroom/article/financial-planning-for-women-after-divorce) - Women are better prepared for their financial lives post-divorce. They are far more likely to seek out financial advice, improve spending habits, seek out employment and contribute to retirement savings.
- [David Lerner Associates: Beware the Tax Identity Theft Scam](https://www.davidlerner.com/newsroom/article/david-lerner-associates-beware-the-tax-identity-theft-scam) - As we enter the height of tax-filing season ther have been complaints about another kind of identity theft scam: tax identity theft. Here thieves try to steal your personal information in order to submit fraudulent tax refund claims with your information on them to the IRS
- [Steps for Financial Freedom](https://www.davidlerner.com/newsroom/article/steps-for-financial-freedom) - Financial freedom is a term that is thrown around, but what does it actually mean? It is probably best stated as being free of worry from financial issues. But then there is always the concern of "more money, more problems."
- [Understanding Your Finances](https://www.davidlerner.com/newsroom/article/understanding-your-finances-2) - Understanding your finances comes down to understanding just a few key elements, definitions, and numbers that make up the sum total of your financial life.
- [David Lerner Associates: Complaints about Hidden Medicare Costs](https://www.davidlerner.com/newsroom/article/david-lerner-associates-complaints-about-hidden-medicare-costs) - Some seniors have complaints that despite what they thought would be the case, Medicare does not cover all of their healthcare costs..
- [David Lerner Associates News: Complaints at Tax Time](https://www.davidlerner.com/newsroom/article/david-lerner-associates-news-complaints-at-tax-time) - About this time of year is when complaints about paying taxes often grow the loudest. One reason why is because many people are starting to gather all of their tax paperwork in preparation for the April 15 tax filing deadline.
- [Money Lessons For Women](https://www.davidlerner.com/newsroom/article/money-lessons-for-women) - Women compromise 47% of the US labor force. Here are some lessons that women can learn to become even more financially independent and stable.
- [David Lerner Associates News: Is a College Degree Still Worthwhile?](https://www.davidlerner.com/newsroom/article/david-lerner-associates-news-is-a-college-degree-still-worthwhile) - Many Americans are starting to question the value of a college degree. A recent study seems to indicate that a college degree is indeed worthwhile.
- [Women and Money](https://www.davidlerner.com/newsroom/article/women-and-money) - In more than one third of American marriages, the woman out earns her husband. And although that is a long way off from an even 50%, it is a definite improvement on what the numbers looked like in 1987, when less than a quarter of women were the primary breadwinners in their families.
- [David Lerner Associates News: 5 Financial Goals Before You Reach 40](https://www.davidlerner.com/newsroom/article/david-lerner-associates-news-5-financial-goals-before-you-reach-40) - The 40s are generally considered to be the beginning of middle age. It is a critical stage for setting yourself up financially for the second half of your life
- [How Millennials Will Change the Face of Finance](https://www.davidlerner.com/newsroom/article/how-millennials-will-change-the-face-of-finance) - Millennials are poised to transform nearly every facet of the American and global economy, and the finance industry is about to experience tremendous change as it works to address the needs and preferences of this different customer.
- [Dealing with Financial Stress](https://www.davidlerner.com/newsroom/article/dealing-with-financial-stress-3) - Managing stress levels is important, especially when it comes to your finances.
- [David Lerner Associates: Financial Resolutions in Your 80s](https://www.davidlerner.com/newsroom/article/david-lerner-associates-financial-resolutions-in-your-80s) - New Year is financial resolutions that may be appropriate for individuals in their 80s.
- [Wealth Building Tips](https://www.davidlerner.com/newsroom/article/wealth-building-tips) - Building wealth is entirely under your own control, despite what some schools of thought will tell you. All it takes is smart decisions and breaking bad habits.
- [Cyber Security and Passwords](https://www.davidlerner.com/newsroom/article/cyber-security-and-passwords) - Online security has reached a fever pitch lately with hackers accessing political, business, and personal accounts all over the world.
- [Building Wealth](https://www.davidlerner.com/newsroom/article/building-wealth) - Wealth is not something you wake up to one morning, "Oh, guess what honey. We are wealthy today!" Wealth is built and earned over time. Carefully. Strategically. With deliberate purpose.
- [Utility Bills Scam Alert from David Lerner Associates](https://www.davidlerner.com/newsroom/article/utility-bills-scam-alert-from-david-lerner-associates) - Two recent scams revolve around the payment of utility bills - one offers a Federal support payment and the other presents the bill as overdue and demands immediate payment..
- [Estate Planning](https://www.davidlerner.com/newsroom/article/estate-planning) - If you want to make sure your assets are inherited by the intended parties, no matter the size of your estate, you will need an estate plan. If done right, your plan can also limit the taxes owed by the beneficiary.
- [David Lerner Associates: Review the Safety of your Pension Plan](https://www.davidlerner.com/newsroom/article/david-lerner-associates-review-the-safety-of-your-pension-plan) - In the wake of Detroit is bankruptcy filing some public and private sector workers and retirees in other cities are reviewing the security of their pensions.
- [College Savings Plans](https://www.davidlerner.com/newsroom/article/college-savings-plans) - The person most likely to benefit from a college savings plan is obviously the child who goes to college. Keeping your child out of a bottomless pit of student loans is probably the best thing you could do for their finances.
- [April is Financial Literacy Month](https://www.davidlerner.com/newsroom/article/april-is-financial-literacy-month) - The best investment you could make is financial education. This is not just a catch-phrase anymore. The stats speak for themselves.
- [David Lerner Associates : Will Your Taxes Go Up In the New Year?](https://www.davidlerner.com/newsroom/article/david-lerner-associates-will-your-taxes-go-up-in-the-new-year) - As things stand now many Americans are facing a tax increase beginning in 2013. This pending tax increase has been referred to as "the 2013 fiscal cliff" and "Taxmageddon" by some pundits, who are concerned that it could threaten the fragile economic recovery.
- [Developing Good Financial Habits](https://www.davidlerner.com/newsroom/article/developing-good-financial-habits) - April is National Financial Literacy Month and is an excellent opportunity to establish and maintain healthy financial habits.
- [David Lerner Associates : Slowing Down in Retirement May Not Be an Option](https://www.davidlerner.com/newsroom/article/david-lerner-associates-slowing-down-in-retirement-may-not-be-an-option) - If a recent survey of middle-class Americans is anything to go by, the age of 80 may very well be the new 65 when it comes to retirement.
- [2017 Women is  Financial Literacy Guide](https://www.davidlerner.com/newsroom/article/2017-women-is-financial-literacy-guide) - There has been a lot of discussion around womens rights this year. One issue that hasnt received much attention is financial literacy and a womans ability to make her own financial decisions
- [David Lerner Associates: 2013 Social Security COLA Less Than Half of 2012 Amount](https://www.davidlerner.com/newsroom/article/david-lerner-associates-2013-social-security-cola-less-than-half-of-2012-amount) - The Social Security Administration (SSA) announced that the Social Security cost-of-living adjustment (or COLA) for 2013 will be just 1.7% -- less than half of the adjustment that was made for 2012.
- [Financial Literacy for Young Adults](https://www.davidlerner.com/newsroom/article/financial-literacy-for-young-adults) - National Financial Literacy Month is recognized in the United States in April as an effort to highlight the importance of financial literacy and teach Americans how to establish and maintain healthy financial habits.
- [David Lerner Associates - Black Swan Investing: Counting on Catastrophe](https://www.davidlerner.com/newsroom/article/david-lerner-associates-black-swan-investing-counting-on-catastrophe) - Investors have a name for those once-in-a-blue-moon events that rock investment markets--whether its the collapse of the Greek economy or the 9/11 terrorist attacks. Events like these are referred to as Black Swans
- [How to Avoid Investment Fraud](https://www.davidlerner.com/newsroom/article/how-to-avoid-investment-fraud) - There were 868 cases of SEC investigated financial misconduct in 2016. The good news is that potential victims, and more importantly the professionals trying to catch the bad guys, are focusing on financial literacy and fraud prevention which should make you feel a little safer.
- [David Lerner Associates: Why Long-Term Care Insurance Costs Are Up](https://www.davidlerner.com/newsroom/article/david-lerner-associates-why-longterm-care-insurance-costs-are-up) - According to the American Association for Long Term Care Insurance (AALTCI) prices for new long-term care policies increased by as much as 17 percent in 2012.
- [Millennials and Debt](https://www.davidlerner.com/newsroom/article/millennials-and-debt) - The average Class of 2016 graduate has over $37,000 in student loan debt - up 6% from last year.
- [David Lerner Associates: Why You Could Be on the Hook for Your Parents  Long-Term Care](https://www.davidlerner.com/newsroom/article/david-lerner-associates-why-you-could-be-on-the-hook-for-your-parents-longterm-care) - Call it the new baby boomer challenge, but adult children may very well find themselves legally responsible for the costs of their aging parents long-term care.
- [Tax Season](https://www.davidlerner.com/newsroom/article/tax-season) - March is a great time to take stock of your financial situation and get your fiscal affairs in order. March 15 was the due date for corporate tax returns and also marks one month before personal tax returns are due - Tuesday, April 18.
- [David Lerner Associates : The College Debt Dilemma - Avoid Debt In the First Place](https://www.davidlerner.com/newsroom/article/david-lerner-associates-the-college-debt-dilemma-avoid-debt-in-the-first-place) - Many families depend on student loans in order to send their children to college. A better option for many students and families is to try to avoid student loan debt in the first place.
- [How to Keep Your Finances Stable](https://www.davidlerner.com/newsroom/article/how-to-keep-your-finances-stable) - Here are some things that can be done to weather a potential financial storm.
- [David Lerner Associates: What is the Future of Social Security?](https://www.davidlerner.com/newsroom/article/david-lerner-associates-what-is-the-future-of-social-security) - The future of Social Security has received a lot of publicity lately, especially when the candidates for President of the United States debated each other about how they would propose solving the looming problem of potential Social Security insolvency.
- [Retirement Planning for Couples](https://www.davidlerner.com/newsroom/article/retirement-planning-for-couples-2) - Retirement planning is an essential activity in your financial life, but that is all very well if you are just planning for yourself. Here are some tips for couples.
- [Investing vs. Retirement Planning](https://www.davidlerner.com/newsroom/article/investing-vs-retirement-planning) - Investing may provide handsome returns and may offer a lifestyle of your choosing. The same goes for retirement planning. However, one should never mistake one for the other.
- [David Lerner Associates: Many U.S. Seniors Facing Severe Income Shortages](https://www.davidlerner.com/newsroom/article/david-lerner-associates-many-us-seniors-facing-severe-income-shortages) - A recent analysis of data from the U.S. Census Bureau indicates that seniors in every state except for two are living off of incomes that are lower than the level of retirement income that many financial planners often recommend.
- [Overcoming Financial Stress](https://www.davidlerner.com/newsroom/article/overcoming-financial-stress) - Lots of people experience stress. This stress can affect your health, your body and your immune system, not to mention your ability to perform on the job, and thus your bottom line.
- [David Lerner Associates: Legislation Rolls Back Student Loan Interest Rates](https://www.davidlerner.com/newsroom/article/david-lerner-associates-legislation-rolls-back-student-loan-interest-rates) - In late July, Congress passed legislation to roll back the increase in student loan interest rates that took effect earlier in the month. This legislation ties student loan interest rates to the financial markets, instead of allowing Congress to set these rates, as they have in the past. On August 9, 2013, President Obama signed the bill into law.
- [David Lerner Associates --How Safe Is Your Pension Plan?](https://www.davidlerner.com/newsroom/article/david-lerner-associates-how-safe-is-your-pension-plan) - Some financial and retirement experts are recommending that workers and retirees who are dependent on pension plans do some "what-if" scenario planning to gauge how well prepared they might be for a possible cut in their pension benefits.
- [Preparing for Long-Term Care](https://www.davidlerner.com/newsroom/article/preparing-for-longterm-care) - Long-term care is a serious issue that could possibly have severe repercussions on your retirement.
- [Millennials Changing the Face of the Workforce](https://www.davidlerner.com/newsroom/article/millennials-changing-the-face-of-the-workforce) - Millennials are poised to transform nearly every facet of the U.S. and global economy. And the older generation needs to catch up.
- [Financial Essentials for Young Adults](https://www.davidlerner.com/newsroom/article/financial-essentials-for-young-adults) - While Millennials are the future generation with much promise, there is evidence to suggest that financial literacy is greatly lacking.
- [How to Treat Employees Right](https://www.davidlerner.com/newsroom/article/how-to-treat-employees-right) - David Lerner Associates recently placed near the top of a list of best places to work in New York State, based on surveys of company employees, workplace practices, and other pertinent information.
- [Writing a Business Plan](https://www.davidlerner.com/newsroom/article/writing-a-business-plan) - National Small Business Week was April 30 - May 6 2017. In light of this celebration, which recognizes the critical contributions of America is entrepreneurs and small business owners, here are some tips for entrepreneurs to help with writing business plans.
- [Forbes Article: Financial Advice for Sensible Investing](https://www.davidlerner.com/newsroom/article/forbes-article-financial-advice-for-sensible-investing) - You dont gamble with your rent or grocery money. Thats the basic tenet of David Lerner Associates, a Long Island-headquartered financial investment firm.

## Pages

- [David Lerner Associates | The Sensible Middle Ground of Investing®](https://www.davidlerner.com/) - Education David Lerner Associates regularly holds free investment seminars throughout the tri-state New York area and in Florida. Sign up to be notified of our next seminar in your area. Subscribe Trustworthy David Lerner Associates maintains the highest standards when it comes to the people we employ. Each Investment Counselor is licensed, is subject to
- [Regulation Best Interest Disclosures & Client Relationship Summary](https://www.davidlerner.com/disclosures/reg-bi) - Regulation Best Interest Disclosures & Client Relationship Summary Client Relationship Summary (Form CRS) Potential Conflicts of Interests Disclosure Account Fees Account Agreement Retirement Account Rollovers
- [Leadership Team](https://www.davidlerner.com/about-us/leadership-team) - Leadership Team Martin Walcoe President and CEO Martin Walcoe joined David Lerner Associates in 1986 as an investment counselor. In 2009, he became Executive Vice President with the responsibility to direct branch management in the development of their sales teams. In 2019, Mr. Walcoe became President and CEO of David Lerner Associates. Daniel T. Lerner
- [Disclosures](https://www.davidlerner.com/disclosures) - Disclosures Please click on the following links for information on David Lerner Associates, Inc. disclosures regarding Statement of Financial Condition, Business Continuity Plan, and Order Routing Information. Documents Statement of Financial Condition, December 31, 2025 Summary of David Lerner Associates, Inc. Business Continuity Plan Order Routing Information (SEC Rule 606) Pre – Q2 2024 Q2 2024
- [Learn About Our Next Seminars](https://www.davidlerner.com/seminars) - Learn About Our Next Seminars Prior to founding David Lerner Associates, David Lerner taught history and economics at Bayside High School in Queens. “I loved teaching the next generation. I wanted them to learn to question and to be inquisitive. When people are aware, they are equipped to make wise decisions.” –David Lerner It was
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- [White Plains, NY](https://www.davidlerner.com/find-an-investment-counselor/white-plains) - White Plains, NY 599 West Hartsdale Ave., White Plains, NY 10607 Phone: (914) 761-6456 Fax: (914) 761-6434 Branch Manager: Joseph Aspelund > Contact Us Are you an existing client? Yes No Please check your area of interest: The Sensible Middle Ground of Investing Retirement Planning Life Insurance Annuities College & Education Savings Long Term Care Solutions
- [Boca Raton, FL](https://www.davidlerner.com/find-an-investment-counselor/boca-raton) - Boca Raton, FL 568 Yamato Road, 1st Floor, Boca Raton, FL 33431 Phone: (561) 226-4500 Fax: (561) 393-6162 Branch Manager: Brandon Byington > Contact Us Are you an existing client? Yes No Please check your area of interest: The Sensible Middle Ground of Investing Retirement Planning Life Insurance Annuities College & Education Savings Long Term Care Solutions
- [Westport, CT](https://www.davidlerner.com/find-an-investment-counselor/westport) - Westport, CT 1221 Post Rd. East, Westport, CT 06880 Phone: (203) 655-3520 Fax: (203) 655-4313 Branch Manager: Jonathan Hurwitz Are you an existing client? Yes No Please check your area of interest: The Sensible Middle Ground of Investing Retirement Planning Life Insurance Annuities College & Education Savings Long Term Care Solutions Questions or Comments: Please verify
- [Lawrenceville, NJ](https://www.davidlerner.com/find-an-investment-counselor/lawrenceville) - Lawrenceville, NJ 134 Franklin Corner Road, Suite 200, Lawrenceville, NJ 08648 Phone: (609) 806-2700 Fax: (609) 520-8496 Branch Manager: Eric Keith > Contact Us Are you an existing client? Yes No Please check your area of interest: The Sensible Middle Ground of Investing Retirement Planning Life Insurance Annuities College & Education Savings Long Term Care Solutions
- [Syosset, NY](https://www.davidlerner.com/find-an-investment-counselor/syosset) - Syosset, NY 477 Jericho Turnpike, Syosset, NY 11791 Phone: (516) 921-4200 Fax: (516) 496-0756 Branch Manager: William O’Donnell David Lerner Associates Inc. headquarters is well-known in the Syosset, NY area. It’s been recognized by The Town of Oyster Bay as a local landmark. Many of the employees are local residents and participate in community activities
- [Investment Seminars](https://www.davidlerner.com/shrimpys) - Investment Seminars Prior to founding David Lerner Associates, David Lerner taught history and economics at Bayside High School in Queens. “I loved teaching the next generation. I wanted them to learn to question and to be inquisitive. When people are aware, they are equipped to make wise decisions.” –David Lerner It was natural that since
- [Newsletter Sign up](https://www.davidlerner.com/newsletter) - Dollars & Sense Subscribe to our Newsletter Don’t miss the latest news and updates from David Lerner Associates. Since 1976, we have been committed to helping the public better understand financial topics and economic developments. By subscribing, you’ll receive our monthly update featuring: Economic Perspective: Clear explanations of economy-related stories in the news and why
- [Login](https://www.davidlerner.com/logon) - Other Links: Contact Us Make an Appointment Investor-Connect: Access to your account online. As a David Lerner Associates client, you have easy, secure access to your account information through Investor-Connect. If this is your first time accessing Investor Connect, please use the “Register now” link below to get started. Having trouble logging in? Click here.
- [david-lerner-50th](https://www.davidlerner.com/david-lerner-50th) - Make an appointment using this Calendar below. If you would like to send us a message or request more information, please use the form on the Contact Page.
- [Contact Us](https://www.davidlerner.com/contact-us) - Contact Us At David Lerner Associates, we believe that the best way to help you with your financial goals is to meet with you face-to-face, either in your home or at one of our branch offices. The Appointment is Free. The Advice Could be Priceless® 3 ways to get in touch with us: 1. Call
- [David Lerner's Story](https://www.davidlerner.com/about-us/about-david-lerner) - About David Lerner, Founder In 1975, David Lerner was teaching history and economics at Bayside High School in Queens. A year later he went on to launch David Lerner Associates, a privately-held investment company that from the beginning was dedicated to building and preserving assets for clients. His voice and persona, “Poppy,” have been heard
- [Find an Investment Counselor](https://www.davidlerner.com/find-an-investment-counselor) - How Creative Can You Be? Morbi accumsan ipsum velit. Nam nec tellus a odio tincidunt auctor a ornare odio. Sed non mauris vitae. Morbi accumsan ipsum velit. We’ve Done All The Work Morbi accumsan ipsum velit. Nam nec tellus a odio tincidunt auctor a ornare odio. Sed non mauris vitae. Morbi accumsan ipsum velit. Donec
- [Retirement Planning](https://www.davidlerner.com/our-services/retirement-planning) - Since 1976, we have been dedicated to building and preserving our clients’ assets. Retirement planning should be one of your top priorities, regardless of your age. Whether you are just starting out in the workplace or are thinking about retirement, you should know the investment options available to you. The most important thing is to
- [Life Insurance](https://www.davidlerner.com/our-services/life-insurance) - There is no better way to show them you care, than by looking out for their future. Life insurance provides financial protection for your loved ones in the event of your unexpected passing. The death benefit paid out by the insurance policy can help cover expenses such as funeral costs, outstanding debts, and living expenses
- [College & Education Savings](https://www.davidlerner.com/our-services/college-and-education-savings) - Prepare them for a promising future. Saving for college early and consistently will ease the financial burden of higher education. Whether you are saving for your child or grandchild, there are many investment options available. Make an appointment with one of our Investment Counselors and get started today! CLICK HERE TO MAKE AN APPOINTMENT How
- [Our Services](https://www.davidlerner.com/our-services) - We believe meeting with you face-to-face is the best way to help you achieve your financial goals. Financial planning can sometimes be stressful or overwhelming, especially during major life events like retirement or significant purchases. In-person meetings provide emotional support, reassurance, and guidance during these critical moments. Our Investment Counselors are available to meet with
- [News](https://www.davidlerner.com/newsroom) - News & Resources
- [Spirit of America Mutual Funds](https://www.davidlerner.com/spirit-of-america-mutual-funds) - The Real Estate Income and Growth Fund Fund Symbol: SOAAX The Real Estate Income and Growth Fund invests primarily in real estate investment trusts (REITs) with successful track records. The Fund intends to invest at least 80% of its total assets in equity REITs and the equity securities of real estate industry companies. The Fund looks
- [Annuities](https://www.davidlerner.com/our-services/annuities) - Explore the power of annuities. David Lerner Associates proudly offers Annuities from well-known companies such as Allianz, Nationwide and Prudential. Our trusted investment counselors are dedicated to helping you navigate the complexities of retirement planning. CLICK HERE TO MAKE AN APPOINTMENT Annuity review Do you have an old Annuity? Make an appointment for a Free
- [Privacy/CCPA](https://www.davidlerner.com/privacy) - Privacy Statement David Lerner Associates is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the David Lerner Associates site and governs data collection and usage. By using the David Lerner Associates site, you consent to the data practices described
- [Calculators](https://www.davidlerner.com/calculators) - Calculators » Retirement Calculator » Bond Calculator » Education Planner Plan for your future Retirement How much is enough? How much income will I need? Do you know what it takes to work towards a secure retirement? Use this calculator to help you create our retirement plan. View your retirement savings balance and your withdrawals for each year
- [About Us](https://www.davidlerner.com/about-us) - Why David Lerner Associates? Originally started in 1976, David Lerner Associates is a privately-held securities broker/dealer, with clients’ assets of more than $4 billion. From the beginning, the firm has been committed to educating the public about investing opportunities available to them. To that end, the company regularly holds free investment seminars. These seminars attract
- [Careers](https://www.davidlerner.com/careers) - Insurance & Benefits We offer medical, dental, vision, life, AD&D, and long-term disability insurance; 401(k) with matching contributions; FSA, HRA's and more! Culture & People David Lerner Associates is a family-owned and operated company, with large company perks & benefits. Our success is due, in part, to creating an environment where employees feel valued and
- [College and Education Calculator](https://www.davidlerner.com/calculators/education-planner) - College and Education Calculator How much will you need? Saving for your children’s education requires a long-term plan. And, like saving for retirement, the earlier you start your plan, the better. Use this calculator to help develop or fine-tune your education savings plan. Click the “View Report” button for a detailed look at the results.
- [Retirement Calculator](https://www.davidlerner.com/calculators/retirement-calculator) - Retirement Calculator How much income will I need? Do you know what it takes to work towards a secure retirement? Use this calculator to help you create our retirement plan. View your retirement savings balance and your withdrawals for each year until the end of your retirement. Social Security is calculated on a sliding scale
- [Bond Calculator](https://www.davidlerner.com/calculators/bond-calculator) - Bond Calculator The bond calculator computes the taxable equivalent of a tax-free yield. Simply enter a tax-free yield and your tax bracket in the boxes below to calculate a taxable equivalent yield. This calculator will estimate the tax-equivalent yield (TEY) for a municipal bond. Income generated from municipal bond coupon payments are not subject to
- [Coming Soon](https://www.davidlerner.com/coming-soon) - This page is coming soon Go Back Go Back
- [Investment counselor search and list page](https://www.davidlerner.com/investment-counselor-search-and-list-page)
- [our-locations](https://www.davidlerner.com/contact-us/our-locations)
- [Business Continuity Plan Summary Statement](https://www.davidlerner.com/business-continuity-plan-summary-statement) - Business Continuity Plan Summary Statement David Lerner Associates, Inc.’s (DLA) firm policy is to respond to a Significant Business Disruption (SBD) by safeguarding employees’ lives and firm property, making a financial and operational assessment, quickly recovering and resuming operations, protecting all of the firm’s books and records, and allowing our customers to transact business. In
- [Personalize Service/Trustworthy](https://www.davidlerner.com/about-us/personalize-service-trustworthy) - How Creative Can You Be? Morbi accumsan ipsum velit. Nam nec tellus a odio tincidunt auctor a ornare odio. Sed non mauris vitae. Morbi accumsan ipsum velit. We’ve Done All The Work Morbi accumsan ipsum velit. Nam nec tellus a odio tincidunt auctor a ornare odio. Sed non mauris vitae. Morbi accumsan ipsum velit. Donec
- [Team of Experts](https://www.davidlerner.com/team-of-experts) - Nina Morris Manager Morbi accumsan ipsum velit. Nam nec tellus a odio tincidunt auctor a ornare odio. Contact me 1-677-124-44227 info@yourbusiness.com Roberto Nanini CEO Morbi accumsan ipsum velit. Nam nec tellus a odio tincidunt auctor a ornare odio. Contact me 1-677-124-44227 info@yourbusiness.com Nina Morris Manager Morbi accumsan ipsum velit. Nam nec tellus a odio tincidunt

## Advisors

- [Rateb Masoud](https://www.davidlerner.com/team/rateb-masoud)
- [Alexander Palumbo](https://www.davidlerner.com/team/alexander-palumbo)
- [John Lamont](https://www.davidlerner.com/team/john-lamont)
- [Michael Cody](https://www.davidlerner.com/team/michael-cody)
- [Robert Cavanagh](https://www.davidlerner.com/team/robert-cavanagh)
- [Ian Kidwell](https://www.davidlerner.com/team/ian-kidwell)
- [George Amanatides](https://www.davidlerner.com/team/george-amanatides)
- [Arthur Bedrosian](https://www.davidlerner.com/team/arthur-bedrosian)
- [Max Tulupnikoff](https://www.davidlerner.com/team/max-tulupnikoff)
- [John Donohue](https://www.davidlerner.com/team/john-donohue)
- [Janice Bowman](https://www.davidlerner.com/team/janice-bowman)
- [Mina Gergis](https://www.davidlerner.com/team/mina-gergis)
- [Scott Mass](https://www.davidlerner.com/team/scott-mass)
- [Gary Isler](https://www.davidlerner.com/team/gary-isler)
- [James Ezegelian](https://www.davidlerner.com/team/james-ezegelian)
- [Joseph Aspelund](https://www.davidlerner.com/team/joseph-aspelund)
- [Shawn Steadman](https://www.davidlerner.com/team/shawn-steadman)
- [Lane Rozema](https://www.davidlerner.com/team/lane-rozema)
- [James Guarnieri](https://www.davidlerner.com/team/james-guarnieri)
- [Jadacus Santos](https://www.davidlerner.com/team/jadacus-santos)
- [Joseph McGovern](https://www.davidlerner.com/team/joseph-mcgovern)
- [Ryan McLoughlin](https://www.davidlerner.com/team/ryan-mcloughlin)
- [Michael Tumolo](https://www.davidlerner.com/team/michael-tumolo)
- [John Fielding](https://www.davidlerner.com/team/john-fielding)
- [Daniel Lerner](https://www.davidlerner.com/team/daniel-lerner)
- [Dana Stellato](https://www.davidlerner.com/team/dana-stellato)
- [Roy Humphrey](https://www.davidlerner.com/team/roy-humphrey)
- [Kyle O’Brien](https://www.davidlerner.com/team/kyle-obrien)
- [Joseph D’Urso](https://www.davidlerner.com/team/joseph-durso)
- [Frank Geraci](https://www.davidlerner.com/team/frank-geraci)
- [Eli Bloch](https://www.davidlerner.com/team/eli-bloch)
- [Stanley Weiden](https://www.davidlerner.com/team/stanley-weiden)
- [Natalia Walker](https://www.davidlerner.com/team/natalia-walker)
- [Howard Roth](https://www.davidlerner.com/team/howard-roth)
- [Carole Sbordone](https://www.davidlerner.com/team/carole-sbordone)
- [John Mullins](https://www.davidlerner.com/team/john-mullins)
- [Nolan Crean](https://www.davidlerner.com/team/nolan-crean)
- [Rafe Klein](https://www.davidlerner.com/team/rafe-klein)
- [Michael Norton](https://www.davidlerner.com/team/michael-norton)
- [Angelo Strazzera](https://www.davidlerner.com/team/angelo-strazzera)
- [Roderyck Reiter](https://www.davidlerner.com/team/roderyck-reiter)
- [Richard Eden](https://www.davidlerner.com/team/richard-eden)
- [Michael McCormick](https://www.davidlerner.com/team/michael-mccormick)
- [Peter Isler](https://www.davidlerner.com/team/peter-isler)
- [Gerard Crean](https://www.davidlerner.com/team/gerard-crean)
- [Marco Cirillo](https://www.davidlerner.com/team/marco-cirillo)
- [David A. Neuwirth](https://www.davidlerner.com/team/david-neuwirth)
- [Ian Kurrus](https://www.davidlerner.com/team/ian-kurrus)
- [Joseph Termini](https://www.davidlerner.com/team/joseph-termini)
- [Luke Ragusa](https://www.davidlerner.com/team/luke-ragusa)
- [Andrew Gutschneider](https://www.davidlerner.com/team/andrew-gutschneider)
- [Glenn Werner](https://www.davidlerner.com/team/glenn-werner)
- [Anatoliy Zaslavchik](https://www.davidlerner.com/team/anatoliy-zaslavchik)
- [Scott Ente](https://www.davidlerner.com/team/scott-ente)
- [Charles Castro](https://www.davidlerner.com/team/charles-castro)
- [Joanne Farace](https://www.davidlerner.com/team/joanne-farace)
- [David Rocke](https://www.davidlerner.com/team/david-rocke)
- [Eric Beers](https://www.davidlerner.com/team/eric-beers)
- [Dylan Bruce](https://www.davidlerner.com/team/dylan-bruce)
- [Leon Weinerman](https://www.davidlerner.com/team/leon-weinerman)
- [Darren Nomberg](https://www.davidlerner.com/team/darren-nomberg)
- [Patricia Klein](https://www.davidlerner.com/team/patricia-klein)
- [David Beckerman](https://www.davidlerner.com/team/david-beckerman)
- [Eric Lasky](https://www.davidlerner.com/team/eric-lasky)
- [Kevin Hawthorne](https://www.davidlerner.com/team/kevin-hawthorne)
- [Joseph Bonifazio](https://www.davidlerner.com/team/joseph-bonifazio)
- [Ronald Ganz](https://www.davidlerner.com/team/ronald-ganz)

## Job Applications

- [Investment Counselor](https://www.davidlerner.com/job-application/investment-counselor-boca-raton-fl)
- [Investment Counselor](https://www.davidlerner.com/job-application/investment-counselor-syosset-ny)
- [Investment Counselor](https://www.davidlerner.com/job-application/investment-counselor-white-plains-ny)
- [Investment Counselor](https://www.davidlerner.com/job-application/investment-counselor-lawrenceville-nj)
- [Investment Counselor](https://www.davidlerner.com/job-application/investment-counselor-westport-ct)

## Portfolio

- [New Clean Vehicle Tax Credit Guidance Issued](https://www.davidlerner.com/newsroom/article/portfolio-item/hiring-the-consultants-2) - Starting in 2023, a personal or general business tax credit of up to $7,500 is available for the purchase of new clean vehicles meeting certain requirements (including electric, plug-in hybrid, and fuel cell vehicles). A credit of $3,750 is available if a critical minerals requirement is met, and a credit of $3,750 is available if a battery components requirement is met. (For vehicles placed in service from January 1, 2023, through April 17, 2023, the credit allowed generally varied from $3,750 to $7,500 depending on the battery capacity of the vehicle, rather than on these two requirements.) Fuel cell vehicles that have final assembly within North America can qualify for the credit without regard to these two requirements.
- [Financial Advice for Graduates](https://www.davidlerner.com/newsroom/article/portfolio-item/strategizing-for-success) - Graduating from college is a big accomplishment! There’s a lot to celebrate: no more afternoon lectures or assignments and, hopefully, new opportunities and increased income.
- [National Homeownership Month – June 2023](https://www.davidlerner.com/newsroom/article/portfolio-item/business-seminars-in-2017) - Homeownership is the foundation of the American Dream. Americans often consider their homes as more than someplace to “hang their hats.” Recently, we have been reminded that our homes are central to our independence, health, and the well-being of our families. In response to the COVID-19 pandemic, millions of Americans transformed their homes into safe havens, classrooms, virtual workplaces, and, most importantly, spaces to nurture hopes and dreams for the future.
- [Young Investors Prefer Humans for Financial Advice](https://www.davidlerner.com/newsroom/article/portfolio-item/young-investors-prefer-humans-for-financial-advice) - Millennials have grown up, and according to 2021 survey findings by the Natixis Investment Managers, they are the focused, financially disciplined, and responsible adults in the room. The oldest members of the generation are now in their 40s and entering their peak earning years. They’ve witnessed historical events like the Great Recession, 9/11, the tech
- [Connectivity is the Key](https://www.davidlerner.com/newsroom/article/portfolio-item/connectivity-is-the-key-4) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Our Top Stock Market Tips](https://www.davidlerner.com/newsroom/article/portfolio-item/our-top-stock-market-tips-5) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Managing for Creativity](https://www.davidlerner.com/newsroom/article/portfolio-item/managing-for-creativity-4) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Business Seminars in 2017](https://www.davidlerner.com/newsroom/article/portfolio-item/business-seminars-in-2017-4) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Creating A Vision](https://www.davidlerner.com/newsroom/article/portfolio-item/creating-a-vision) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Fastest Way to Growth](https://www.davidlerner.com/newsroom/article/portfolio-item/fastest-way-to-growth) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Hiring the Consultants](https://www.davidlerner.com/newsroom/article/portfolio-item/hiring-the-consultants) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [The Future of Finance](https://www.davidlerner.com/newsroom/article/portfolio-item/the-future-of-finance-2) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Ultimate Productivity](https://www.davidlerner.com/newsroom/article/portfolio-item/ultimate-productivity-2) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Our Top Stock Market Tips](https://www.davidlerner.com/newsroom/article/portfolio-item/our-top-stock-market-tips-3) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Analysis is Important](https://www.davidlerner.com/newsroom/article/portfolio-item/analysis-is-important-2) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Digitize Your Business](https://www.davidlerner.com/newsroom/article/portfolio-item/digitize-your-business-2) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Fast Way to Growth](https://www.davidlerner.com/newsroom/article/portfolio-item/fast-way-to-growth) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Hiring the Consultants](https://www.davidlerner.com/newsroom/article/portfolio-item/hiring-the-consultants-3) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Digitize Your Business](https://www.davidlerner.com/newsroom/article/portfolio-item/digitize-your-business-3) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Ultimate Productivity](https://www.davidlerner.com/newsroom/article/portfolio-item/ultimate-productivity) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Our Top Stock Market](https://www.davidlerner.com/newsroom/article/portfolio-item/our-top-stock-market) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Business Seminars](https://www.davidlerner.com/newsroom/article/portfolio-item/business-seminars) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Managing Creativity](https://www.davidlerner.com/newsroom/article/portfolio-item/managing-creativity) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [The Future of Finance](https://www.davidlerner.com/newsroom/article/portfolio-item/the-future-of-finance-3) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Connectivity is the Key](https://www.davidlerner.com/newsroom/article/portfolio-item/connectivity-is-the-key-3) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Strategizing Success](https://www.davidlerner.com/newsroom/article/portfolio-item/strategizing-success) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Analysis is Important](https://www.davidlerner.com/newsroom/article/portfolio-item/analysis-is-important) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Essential Business Apps](https://www.davidlerner.com/newsroom/article/portfolio-item/essential-business-apps) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Strategizing for Success](https://www.davidlerner.com/newsroom/article/portfolio-item/strategizing-for-success-2) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [The Future of Finance](https://www.davidlerner.com/newsroom/article/portfolio-item/the-future-of-finance) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Our Top Stock Market Tips](https://www.davidlerner.com/newsroom/article/portfolio-item/our-top-stock-market-tips-2) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Business Seminars in 2017](https://www.davidlerner.com/newsroom/article/portfolio-item/business-seminars-in-2017-2) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Managing for Creativity](https://www.davidlerner.com/newsroom/article/portfolio-item/managing-for-creativity-2) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Essential Apps](https://www.davidlerner.com/newsroom/article/portfolio-item/essential-apps) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.
- [Analysis is Important](https://www.davidlerner.com/newsroom/article/portfolio-item/analysis-is-important-3) - Lorem ipsum dolor sit amet, consectetuer gravida nibh vel velit auctor aliqueenean.

## Categories

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- [Life Insurance](https://www.davidlerner.com/newsroom/article/category/life-insurance)
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- [Financial Wellness](https://www.davidlerner.com/newsroom/article/category/financial-wellness)
- [Consumer Pricing](https://www.davidlerner.com/newsroom/article/category/consumer-pricing)

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- [asset management](https://www.davidlerner.com/newsroom/article/tag/asset-management)
- [banking](https://www.davidlerner.com/newsroom/article/tag/banking)
- [banking crisis](https://www.davidlerner.com/newsroom/article/tag/banking-crisis)
- [lake towns](https://www.davidlerner.com/newsroom/article/tag/lake-towns)
- [lake town retirement](https://www.davidlerner.com/newsroom/article/tag/lake-town-retirement)
- [where to retire](https://www.davidlerner.com/newsroom/article/tag/where-to-retire)
- [debt ceiling](https://www.davidlerner.com/newsroom/article/tag/debt-ceiling)
- [genZ](https://www.davidlerner.com/newsroom/article/tag/genz)
- [LTC](https://www.davidlerner.com/newsroom/article/tag/ltc)
- [Long term care planning](https://www.davidlerner.com/newsroom/article/tag/long-term-care-planning)
- [longevity](https://www.davidlerner.com/newsroom/article/tag/longevity)
- [longevity literacy](https://www.davidlerner.com/newsroom/article/tag/longevity-literacy)
- [small business development](https://www.davidlerner.com/newsroom/article/tag/small-business-development)
- [small business development centre](https://www.davidlerner.com/newsroom/article/tag/small-business-development-centre)
- [Business advice](https://www.davidlerner.com/newsroom/article/tag/business-advice)
- [credit education](https://www.davidlerner.com/newsroom/article/tag/credit-education)
- [national credit education month](https://www.davidlerner.com/newsroom/article/tag/national-credit-education-month)
- [social security benefits](https://www.davidlerner.com/newsroom/article/tag/social-security-benefits)
- [tax advice](https://www.davidlerner.com/newsroom/article/tag/tax-advice)
- [paypal](https://www.davidlerner.com/newsroom/article/tag/paypal)
- [venmo](https://www.davidlerner.com/newsroom/article/tag/venmo)
- [savings advice](https://www.davidlerner.com/newsroom/article/tag/savings-advice)
- [credit unions](https://www.davidlerner.com/newsroom/article/tag/credit-unions)
- [debt management](https://www.davidlerner.com/newsroom/article/tag/debt-management)
- [borrowing](https://www.davidlerner.com/newsroom/article/tag/borrowing)
- [loan](https://www.davidlerner.com/newsroom/article/tag/loan)
- [IRA contributions](https://www.davidlerner.com/newsroom/article/tag/ira-contributions)
- [Financial stability](https://www.davidlerner.com/newsroom/article/tag/financial-stability)
- [investment planning](https://www.davidlerner.com/newsroom/article/tag/investment-planning)
- [long-term care solutions](https://www.davidlerner.com/newsroom/article/tag/long-term-care-solutions)
- [Business owner](https://www.davidlerner.com/newsroom/article/tag/business-owner)
- [Tax identity](https://www.davidlerner.com/newsroom/article/tag/tax-identity)
- [tax identity theft week](https://www.davidlerner.com/newsroom/article/tag/tax-identity-theft-week)
- [Financial scam](https://www.davidlerner.com/newsroom/article/tag/financial-scam)
- [Financial planning mistakes](https://www.davidlerner.com/newsroom/article/tag/financial-planning-mistakes)
- [Insurance cover](https://www.davidlerner.com/newsroom/article/tag/insurance-cover)
- [debt insurance](https://www.davidlerner.com/newsroom/article/tag/debt-insurance)
- [Credit life insurance](https://www.davidlerner.com/newsroom/article/tag/credit-life-insurance)
- [Financial trends](https://www.davidlerner.com/newsroom/article/tag/financial-trends)
- [cost of living adjustment](https://www.davidlerner.com/newsroom/article/tag/cost-of-living-adjustment)
- [global money awareness week](https://www.davidlerner.com/newsroom/article/tag/global-money-awareness-week)
- [credit day](https://www.davidlerner.com/newsroom/article/tag/credit-day)
- [hybrid life insurance](https://www.davidlerner.com/newsroom/article/tag/hybrid-life-insurance)
- [saving tips](https://www.davidlerner.com/newsroom/article/tag/saving-tips)
- [women entrepreneurs](https://www.davidlerner.com/newsroom/article/tag/women-entrepreneurs)
- [safety tips](https://www.davidlerner.com/newsroom/article/tag/safety-tips)
- [downsized](https://www.davidlerner.com/newsroom/article/tag/downsized)
- [downsizing](https://www.davidlerner.com/newsroom/article/tag/downsizing)
- [russia](https://www.davidlerner.com/newsroom/article/tag/russia)
- [ukraine](https://www.davidlerner.com/newsroom/article/tag/ukraine)
- [war](https://www.davidlerner.com/newsroom/article/tag/war)
- [DAVID LERNER ASSOCIATES LONG ISLAND POLICE APPRECIATION RUN](https://www.davidlerner.com/newsroom/article/tag/david-lerner-associates-long-island-police-appreciation-run)
- [LONG ISLAND POLICE APPRECIATION RUN](https://www.davidlerner.com/newsroom/article/tag/long-island-police-appreciation-run)
- [tax season](https://www.davidlerner.com/newsroom/article/tag/tax-season)
- [retirement account](https://www.davidlerner.com/newsroom/article/tag/retirement-account)
- [global finance](https://www.davidlerner.com/newsroom/article/tag/global-finance)
- [financial awareness](https://www.davidlerner.com/newsroom/article/tag/financial-awareness)
- [SWIFT](https://www.davidlerner.com/newsroom/article/tag/swift)
- [child care](https://www.davidlerner.com/newsroom/article/tag/child-care)
- [IRA contribution](https://www.davidlerner.com/newsroom/article/tag/ira-contribution)
- [HRA](https://www.davidlerner.com/newsroom/article/tag/hra)
- [HRAs](https://www.davidlerner.com/newsroom/article/tag/hras)
- [women and covid](https://www.davidlerner.com/newsroom/article/tag/women-and-covid)
- [nest egg](https://www.davidlerner.com/newsroom/article/tag/nest-egg)
- [protect wealth](https://www.davidlerner.com/newsroom/article/tag/protect-wealth)
- [inflation effects](https://www.davidlerner.com/newsroom/article/tag/inflation-effects)
- [divorce finances](https://www.davidlerner.com/newsroom/article/tag/divorce-finances)
- [income investments](https://www.davidlerner.com/newsroom/article/tag/income-investments)
- [tax filing](https://www.davidlerner.com/newsroom/article/tag/tax-filing)
- [federal tax](https://www.davidlerner.com/newsroom/article/tag/federal-tax)
- [starting a family](https://www.davidlerner.com/newsroom/article/tag/starting-a-family)
- [financial strategies](https://www.davidlerner.com/newsroom/article/tag/financial-strategies)
- [saving money](https://www.davidlerner.com/newsroom/article/tag/saving-money)
- [FED](https://www.davidlerner.com/newsroom/article/tag/fed)
- [budgeting strategies](https://www.davidlerner.com/newsroom/article/tag/budgeting-strategies)
- [how to budget](https://www.davidlerner.com/newsroom/article/tag/how-to-budget)
- [overspending](https://www.davidlerner.com/newsroom/article/tag/overspending)
- [build wealth](https://www.davidlerner.com/newsroom/article/tag/build-wealth)
- [quit job](https://www.davidlerner.com/newsroom/article/tag/quit-job)
- [quitting work](https://www.davidlerner.com/newsroom/article/tag/quitting-work)
- [credit line](https://www.davidlerner.com/newsroom/article/tag/credit-line)
- [credit lines](https://www.davidlerner.com/newsroom/article/tag/credit-lines)
- [financial literacy program](https://www.davidlerner.com/newsroom/article/tag/financial-literacy-program)
- [financial programs](https://www.davidlerner.com/newsroom/article/tag/financial-programs)
- [millennial workforce](https://www.davidlerner.com/newsroom/article/tag/millennial-workforce)
- [understanding inflation](https://www.davidlerner.com/newsroom/article/tag/understanding-inflation)
- [best retirement](https://www.davidlerner.com/newsroom/article/tag/best-retirement)
- [retirement locations](https://www.davidlerner.com/newsroom/article/tag/retirement-locations)
- [money stress](https://www.davidlerner.com/newsroom/article/tag/money-stress)
- [financial anxiety](https://www.davidlerner.com/newsroom/article/tag/financial-anxiety)
- [financial year](https://www.davidlerner.com/newsroom/article/tag/financial-year)
- [get a raise](https://www.davidlerner.com/newsroom/article/tag/get-a-raise)
- [medicare pay](https://www.davidlerner.com/newsroom/article/tag/medicare-pay)
- [tax year](https://www.davidlerner.com/newsroom/article/tag/tax-year)
- [tax year end](https://www.davidlerner.com/newsroom/article/tag/tax-year-end)
- [tax tips](https://www.davidlerner.com/newsroom/article/tag/tax-tips)
- [taxes tips](https://www.davidlerner.com/newsroom/article/tag/taxes-tips)
- [social security statements](https://www.davidlerner.com/newsroom/article/tag/social-security-statements)
- [retirement costs](https://www.davidlerner.com/newsroom/article/tag/retirement-costs)
- [holiday costs](https://www.davidlerner.com/newsroom/article/tag/holiday-costs)
- [financial challenges](https://www.davidlerner.com/newsroom/article/tag/financial-challenges)
- [credit report](https://www.davidlerner.com/newsroom/article/tag/credit-report)
- [credit error](https://www.davidlerner.com/newsroom/article/tag/credit-error)
- [credit mistake](https://www.davidlerner.com/newsroom/article/tag/credit-mistake)
- [fix credit error](https://www.davidlerner.com/newsroom/article/tag/fix-credit-error)
- [preparing for college](https://www.davidlerner.com/newsroom/article/tag/preparing-for-college)
- [plan for college](https://www.davidlerner.com/newsroom/article/tag/plan-for-college)
- [post covid](https://www.davidlerner.com/newsroom/article/tag/post-covid)
- [food drive](https://www.davidlerner.com/newsroom/article/tag/food-drive)
- [dementia](https://www.davidlerner.com/newsroom/article/tag/dementia)
- [dementia retirement](https://www.davidlerner.com/newsroom/article/tag/dementia-retirement)
- [middle class retirement](https://www.davidlerner.com/newsroom/article/tag/middle-class-retirement)
- [retirement security](https://www.davidlerner.com/newsroom/article/tag/retirement-security)
- [protect retirement](https://www.davidlerner.com/newsroom/article/tag/protect-retirement)
- [Chained CPI](https://www.davidlerner.com/newsroom/article/tag/chained-cpi)
- [Zombie 401(k)](https://www.davidlerner.com/newsroom/article/tag/zombie-401k)
- [retirement Strategies](https://www.davidlerner.com/newsroom/article/tag/retirement-strategies)
- [financial literacy capability](https://www.davidlerner.com/newsroom/article/tag/financial-literacy-capability)
- [New Year resolutions](https://www.davidlerner.com/newsroom/article/tag/new-year-resolutions)
- [teaching](https://www.davidlerner.com/newsroom/article/tag/teaching)
- [college trends](https://www.davidlerner.com/newsroom/article/tag/college-trends)
- [work-cation](https://www.davidlerner.com/newsroom/article/tag/work-cation)
- [contactless cards](https://www.davidlerner.com/newsroom/article/tag/contactless-cards)
- [tax loophole](https://www.davidlerner.com/newsroom/article/tag/tax-loophole)
- [work week](https://www.davidlerner.com/newsroom/article/tag/work-week)
- [ideas](https://www.davidlerner.com/newsroom/article/tag/ideas)
- [sensible middle ground of investing](https://www.davidlerner.com/newsroom/article/tag/sensible-middle-ground-of-investing)
- [2021](https://www.davidlerner.com/newsroom/article/tag/2021)
- [holidays](https://www.davidlerner.com/newsroom/article/tag/holidays)
- [millenials](https://www.davidlerner.com/newsroom/article/tag/millenials)
- [housing crisis](https://www.davidlerner.com/newsroom/article/tag/housing-crisis)
- [credit card debt](https://www.davidlerner.com/newsroom/article/tag/credit-card-debt)
- [small business owners](https://www.davidlerner.com/newsroom/article/tag/small-business-owners)
- [working women](https://www.davidlerner.com/newsroom/article/tag/working-women)
- [2020](https://www.davidlerner.com/newsroom/article/tag/2020)
- [recap](https://www.davidlerner.com/newsroom/article/tag/recap)
- [family and finances](https://www.davidlerner.com/newsroom/article/tag/family-and-finances)
- [SALT](https://www.davidlerner.com/newsroom/article/tag/salt)
- [financial planning strategies](https://www.davidlerner.com/newsroom/article/tag/financial-planning-strategies)
- [investing in your 40s](https://www.davidlerner.com/newsroom/article/tag/investing-in-your-40s)
- [healthcare costs](https://www.davidlerner.com/newsroom/article/tag/healthcare-costs)
- [kids and money](https://www.davidlerner.com/newsroom/article/tag/kids-and-money)
- [investment saving tips](https://www.davidlerner.com/newsroom/article/tag/investment-saving-tips)
- [financial planning advice](https://www.davidlerner.com/newsroom/article/tag/financial-planning-advice)
- [mortgage fraud](https://www.davidlerner.com/newsroom/article/tag/mortgage-fraud)
- [mortgage tips](https://www.davidlerner.com/newsroom/article/tag/mortgage-tips)
- [college costs](https://www.davidlerner.com/newsroom/article/tag/college-costs)
- [retiree](https://www.davidlerner.com/newsroom/article/tag/retiree)
- [Financial planning month](https://www.davidlerner.com/newsroom/article/tag/financial-planning-month)
- [college degree](https://www.davidlerner.com/newsroom/article/tag/college-degree)
- [debt load](https://www.davidlerner.com/newsroom/article/tag/debt-load)
- [life cover](https://www.davidlerner.com/newsroom/article/tag/life-cover)
- [Financial Dependence](https://www.davidlerner.com/newsroom/article/tag/financial-dependence)
- [Millennials and Financial Dependence](https://www.davidlerner.com/newsroom/article/tag/millennials-and-financial-dependence)
- [college expenses](https://www.davidlerner.com/newsroom/article/tag/college-expenses)
- [pay rise](https://www.davidlerner.com/newsroom/article/tag/pay-rise)
- [overseas](https://www.davidlerner.com/newsroom/article/tag/overseas)
- [college planning. college costs](https://www.davidlerner.com/newsroom/article/tag/college-planning-college-costs)
- [middle class finances](https://www.davidlerner.com/newsroom/article/tag/middle-class-finances)
- [couples budgeting](https://www.davidlerner.com/newsroom/article/tag/couples-budgeting)
- [couples finances](https://www.davidlerner.com/newsroom/article/tag/couples-finances)
- [school funding](https://www.davidlerner.com/newsroom/article/tag/school-funding)
- [educating children finances](https://www.davidlerner.com/newsroom/article/tag/educating-children-finances)
- [teach children money](https://www.davidlerner.com/newsroom/article/tag/teach-children-money)
- [graduates finances](https://www.davidlerner.com/newsroom/article/tag/graduates-finances)
- [financial errors](https://www.davidlerner.com/newsroom/article/tag/financial-errors)
- [avoid financial mistakes](https://www.davidlerner.com/newsroom/article/tag/avoid-financial-mistakes)
- [gender pay gap](https://www.davidlerner.com/newsroom/article/tag/gender-pay-gap)
- [gender wealth gap](https://www.davidlerner.com/newsroom/article/tag/gender-wealth-gap)
- [college finances](https://www.davidlerner.com/newsroom/article/tag/college-finances)
- [job market](https://www.davidlerner.com/newsroom/article/tag/job-market)
- [graduate finances](https://www.davidlerner.com/newsroom/article/tag/graduate-finances)
- [jobs for grads](https://www.davidlerner.com/newsroom/article/tag/jobs-for-grads)
- [jobs for graduates](https://www.davidlerner.com/newsroom/article/tag/jobs-for-graduates)
- [college prospects](https://www.davidlerner.com/newsroom/article/tag/college-prospects)
- [graduate prospects](https://www.davidlerner.com/newsroom/article/tag/graduate-prospects)
- [small business strategy](https://www.davidlerner.com/newsroom/article/tag/small-business-strategy)
- [small business finances](https://www.davidlerner.com/newsroom/article/tag/small-business-finances)
- [business planning](https://www.davidlerner.com/newsroom/article/tag/business-planning)
- [woman and money](https://www.davidlerner.com/newsroom/article/tag/woman-and-money)
- [economics](https://www.davidlerner.com/newsroom/article/tag/economics)
- [crisis planning](https://www.davidlerner.com/newsroom/article/tag/crisis-planning)
- [financial emergency](https://www.davidlerner.com/newsroom/article/tag/financial-emergency)
- [financial emergencies](https://www.davidlerner.com/newsroom/article/tag/financial-emergencies)
- [female money management](https://www.davidlerner.com/newsroom/article/tag/female-money-management)
- [personal savings](https://www.davidlerner.com/newsroom/article/tag/personal-savings)
- [future savings](https://www.davidlerner.com/newsroom/article/tag/future-savings)
- [estate planning. save for future](https://www.davidlerner.com/newsroom/article/tag/estate-planning-save-for-future)
- [money scam](https://www.davidlerner.com/newsroom/article/tag/money-scam)
- [financial literacy gap](https://www.davidlerner.com/newsroom/article/tag/financial-literacy-gap)
- [taxes and college](https://www.davidlerner.com/newsroom/article/tag/taxes-and-college)
- [investment choices](https://www.davidlerner.com/newsroom/article/tag/investment-choices)
- [how to invest](https://www.davidlerner.com/newsroom/article/tag/how-to-invest)
- [financial counseling](https://www.davidlerner.com/newsroom/article/tag/financial-counseling)
- [young adults budgeting](https://www.davidlerner.com/newsroom/article/tag/young-adults-budgeting)
- [student lending](https://www.davidlerner.com/newsroom/article/tag/student-lending)
- [student loan trap](https://www.davidlerner.com/newsroom/article/tag/student-loan-trap)
- [working from home](https://www.davidlerner.com/newsroom/article/tag/working-from-home)
- [telecommuters](https://www.davidlerner.com/newsroom/article/tag/telecommuters)
- [telecommuting](https://www.davidlerner.com/newsroom/article/tag/telecommuting)
- [part time remote](https://www.davidlerner.com/newsroom/article/tag/part-time-remote)
- [remote roles](https://www.davidlerner.com/newsroom/article/tag/remote-roles)
- [financial future](https://www.davidlerner.com/newsroom/article/tag/financial-future)
- [remote work trends](https://www.davidlerner.com/newsroom/article/tag/remote-work-trends)

## Portfolio Categories

- [Home 2](https://www.davidlerner.com/newsroom/article/portfolio-category/home-2)
- [Portfolio 1](https://www.davidlerner.com/newsroom/article/portfolio-category/portfolio-1)
- [Portfolio 2](https://www.davidlerner.com/newsroom/article/portfolio-category/portfolio-2)
- [Portfolio 3](https://www.davidlerner.com/newsroom/article/portfolio-category/portfolio-3)
- [Showcase Slider](https://www.davidlerner.com/newsroom/article/portfolio-category/showcase-slider)
- [Banking](https://www.davidlerner.com/newsroom/article/portfolio-category/banking-portfolio-2-2)
- [Business](https://www.davidlerner.com/newsroom/article/portfolio-category/business)
- [Clients](https://www.davidlerner.com/newsroom/article/portfolio-category/clients)
- [Consulting](https://www.davidlerner.com/newsroom/article/portfolio-category/consulting)
- [Corporation](https://www.davidlerner.com/newsroom/article/portfolio-category/corporation)
- [Finance](https://www.davidlerner.com/newsroom/article/portfolio-category/finanance)
- [Insurance](https://www.davidlerner.com/newsroom/article/portfolio-category/insurance)

## Carousels

- [Carousel 1](https://www.davidlerner.com/newsroom/article/carousels-category/carousel-1)
- [Carousel 2](https://www.davidlerner.com/newsroom/article/carousels-category/carousel-2)
- [Carousel 3](https://www.davidlerner.com/newsroom/article/carousels-category/carousel-3)
- [Carousel 5](https://www.davidlerner.com/newsroom/article/carousels-category/carousel-5)
- [Carousel 6](https://www.davidlerner.com/newsroom/article/carousels-category/carousel-6)
- [Carousel 7](https://www.davidlerner.com/newsroom/article/carousels-category/carousel-7)
- [Carousel 8](https://www.davidlerner.com/newsroom/article/carousels-category/carousel-8)