Financial Concepts Upcoming Topics

Below is a list of upcoming and past topics for Financial Concepts. If you would like to see the full issue, simply email us at csr@icgnews.com. Please take a moment to review all of the personalization options available with Financial Concepts. Each issue of Financial Concepts has been reviewed by FINRA, but your compliance department may also require review of the newsletter before sending to your clients and prospects.

April 2020:

For the lead article on page 1:

  • Sufficient Funds for Your Entire Retirement
  • Estate Planning and Your Retirement Accounts
  • How Much Will College Really Cost?

For the small page 1 article (if you are not using your own article):

  • Encourage the Importance of Saving
  • Market Timing vs. Buy and Hold
  • Factors Influencing Asset Allocation

For the shaded article on page 2:

  • Retirement Withdrawal Strategies
  • Your Risk Tolerance and Retirement
  • 4 Reasons for Goal-Focused Investing

For the article on page 3:

  •  7 Psychological Traps
  • How to Raise Financially Responsible Children
  • Do You Really Need Disability Insurance?

For the top article on page 4:

  • Overcoming 5 Retirement Fears
  • Retirement Planning for Stay-at-Home Parents
  • Finding a Balance between Risk and Return

January 2020:

For the lead article on page 1:

  • Bond Investing Strategies
  • Intro to Stock Analysis
  • Why Inflation Can Be Good

For the small page 1 article (if you are not using your own article):

  • Fun Ways to Save as a Family
  • Deciding on a Mortgage Term
  • Your 401(k) Contribution Amount

For the lead article on page 3:

  • 5 Reasons to Start Saving
  • How Much Do You Need in Retirement?
  • Avoid These 401(k) Plan and IRA Mistakes

For the shaded article on page 3:

  • Teaching Children to Handle Credit Cards
  • Your Parents’ Estate Plans
  • Keep Saving after Retirement

For the top article on page 4:

  • 4 Reasons to Invest in Bonds
  • 6 Life Insurance Mistakes to Avoid
  • How to Get a Handle on Spending

Financial Concepts October 2019:

For the lead article on page 1:

  • Estate-Planning Checklist
  • Get These Decisions Right
  • Tax Planning and Retirement

For the small page 1 article (if you are not using your own article):

  • Insurance Basics
  • How Much Should You Invest in Stocks?
  • Bond Investing Tips

For the shaded article on page 2:

  • Reassess Life Insurance at Retirement
  • Assessing Your 401(k) Plan
  • Lessons Learned from the Stock Market

For the lead article on page 3:

  • Reasons to Revise Your Estate Plan
  • Watch Out for These Portfolio Mistakes
  • Principles of Stock Diversification

For the shaded article on page 3:

  • Managing Correlations
  • Evaluating P/E Ratios
  • Stock Selection Tips

For the top article on page 4:

  • When Should You Sell?
  • Managing Bond Risks
  • Before Purchasing Stock

Financial Concepts July 2019:

For the lead article on page 1:

  • 5 Steps to Create an Investment Plan
  • Calculating Your Financial Ratios
  • Retirement Planning Decade by Decade

For the small page 1 article (if you are not using your own article):

  • Everyone’s Plan Is Different
  • Sharing an Inheritance
  • Calculating Your After-Tax Rate of Return

For the shaded article on page 2:

  • What Kind of Retirement Do You Want?
  • Why Tax Planning Matters
  • Don’t Make These Selling Mistakes

For the lead article on page 3:

  • Asset Allocation Tips
  • Having the Talk
  • Distributing Your Estate to Grown Children

For the shaded article on page 3:

  • Why Isn’t Inflation Zero Percent?
  • Emotional Issues that Prevent Estate Planning
  • Reviewing Legal Documents

For the top article on page 4:

  • Retirement Planning Mistakes to Avoid
  • Utilizing Portfolio Losses
  • Retirement Planning Assumptions

Financial Concepts April 2019:

For the lead article on page 1:

  • Avoid These 10 Insurance Mistakes
  • How Much Do You Really Need to Retire?
  • Tax Planning Throughout Life

For the small page 1 article (if you are not using your own article):

  • Loan Carefully
  • Avoid This Mistake
  • Segregating Your Risk

For the shaded article on page 2:

  • Growth vs. Value Investing
  • Drawdown Retirement Funds Carefully
  • Periodically Review Beneficiaries

For the lead article on page 3:

  • Asset Allocation and Diversification
  • Nuture Your IRA
  • Your 401(k) Plan after Changing Jobs

For the shaded article on page 3:

  • Should You Stay or Should You Go?
  • 4 Steps to Create a Budget
  • Red Flags for Financial Trouble

For the top article on page 4:

  • Should You Consider Retiring Early?
  • Review Your Portfolio’s Performance
  • Preventing Identity Theft

Financial Concepts January 2019:

For the lead article on page 1:

  • Bonds at Every Stage of Life
  • Focus on the Basics
  • Myths about College Planning

For the small page 1 article (if you are not using your own article):

  • Choosing a Beneficiary for Your 401(k) Plan
  • Changing Life Insurance Needs
  • Quick Math

For the lead article on page 3:

  • Give Yourself a Money Makeover
  • Key Components of a Strong Financial Plan
  • 7 Steps to Make Saving a Habit

For the shaded article on page 3:

  • Long-Term Portfolio Management
  • Keeping Expectations in Check
  • Is Your 401(k) Plan Enough?

For the top article on page 4:

  • Discussing Finances with Your Parents
  • Life Insurance as an Estate-Planning Tool
  • Calculating Your Life Insurance Needs

October 2018:

For the lead article on page 1:

  • Myths about Bonds
  • Practical Implications of Investment Theory
  • Securing Your Financial Life

For the small page 1 article (if you are not using your own article):

  •  A Tax Planning Mentality
  • Do You Have Too Much Debt?
  • Bonds and Interest Rate Changes

For the shaded article on page 2:

  • Should You Defer Income Taxes?
  • Tips to Teach Children to Save
  • Decisions Regarding College Funding

For the lead article on page 3:

  • Your Retirement Portfolio and Bonds
  • How Mortgage Appraisals Work
  • Learning Income Tax Basics

For the shaded article on page 3:

  • Why Should You Consider Bonds?
  • Credit Issues as You Age
  • Ways to Reduce Life Insurance Premiums

For the top article on page 4:

  • Revisit Your Asset Allocation
  • How Much Is Too Much to Pay for a House?
  • Watch Out for Retirement Derailers

July 2018:

For the lead article on page 1:

  • Estate Planning for Complicated Family Situations
  • How to Save More: Step by Step
  • Squeezed by Competing Needs

For the small page 1 article (if you are not using your own article):

  • The Fundamental Investing Principle
  • Considerations for 401(k) Plans
  • Where Will You Go?

For the shaded article on page 2:

  • Before Switching Jobs
  • Time — Friend or Foe?
  • A Portfolio Tune-Up

For the lead article on page 3:

  • Long-Term Portfolio Management
  • Easing into Retirement
  • Expenses Cutting into Retirement Savings?

For the shaded article on page 3:

  • Avoid These 5 Investing Mistakes
  • A Budget for College Students
  • Don’t Forget Inflation

For the top article on page 4:

  • What’s a Reasonable Rate of Return?
  • Retirement Planning for Stay-at-Home Spouses
  • 7 Ways to Pay Less for College

April 2018:

For the lead article on page 1:

  • Leaving a Legacy
  • Pump Up Your Retirement Savings
  • Your Financial Road Map

For the small page 1 article (if you are not using your own article):

  • Distributing Your Personal Possessions
  • Straighten Out Your Financial Accounts
  • Your Emotions and Investing

For the shaded article on page 2:

  • Control  Your Spending
  • 5 Estate-Planning Tips for Dependents
  • Cut Financial Clutter

For the lead article on page 3:

  • Assessing Your Risk Tolerance
  • Challenges to Your Retirement
  • How and Why to Build a Bond Ladder

For the shaded article on page 3:

  • Don’t Forget Digital Assets in Your Estate Plan
  • A Financial Education for Teens
  • Getting Your Share of Merit Financial Aid

For the top article on page 4:

  • 4 Steps to Boost Financial Confidence
  • Finding Ways to Save
  • Merging Your Finances When Marrying

January 2018:

For the lead article on page 1:

  • The Dow Theory: Curbing Emotional Investing
  • Tips for Cutting Taxes in Retirement
  • Which Is Better? Saving or Paying Down Debt?

For the small page 1 article (if you are not using your own article):

  • Borrow Wisely
  • Sharing an Inheritance
  • Do You Have a Tax Planning Strategy?

For the shaded article on page 2:

  • The Need for an IRA
  • Pay Yourself First
  • Rebalance Your Portfolio

For the lead article on page 3:

  • Don’t Touch Your 401(k) Plan
  • How to Avoid Creit Card Dependence
  • 5 Reasons to Start Saving More

For the shaded article on page 3:

  • Keeping Track of Retirement Accounts
  • Encourage Your Children to Fund IRAs
  • Set Your Own Credit Limit

For the top article on page 4:

  • Should You Consider an Incentive Trust?
  • Estate Planning for Blended Families
  • How to Save on Premium

October 2017:

For the lead article on page 1:

  • Avoid These 10 Insurance Mistakes
  • Estate-Planning Tips for Baby Boomers
  • Looking for Signals to Buy and Sell

For the small page 1 article (if you are not using your own article):

  • Encourage the Importance of Saving
  • Watching Your Stocks
  • Insurance Basics

For the shaded article on page 2:

  • Investing Defensively
  • How to Use P/E Ratios
  • How to Raise Financially Responsible Children

For the lead article on page 3:

  • Talking to Your Family about Your Estate Plan
  • Umbrella Insurance: An Extra Layer of Protection
  • Tactical Allocation and Market Timing

For the shaded article on page 3:

  • Dealing with a Stock Loss
  • Encourage Estate Planning
  • When Adult Children Return Home

For the top article on page 4:

  • Financial Rules of Thumb
  • 5 Reasons to Consider Disability Insurance
  • How to Protect against Medical Identity Theft

July 2017:

For the lead article on page 1:

  • Consider Tax Investing Strategies
  • Diversifying Your Bond Portfolio
  • How Flexible Is Your Financial Plan?

For the small page 1 article (if you are not using your own article):

  • Consider Maturity Dates
  • A Withdrawal Plan Is Important
  • A Tax-Planning Perspective

For the shaded article on page 2:

  • A Look at Bond Tents
  • Saving without Pain
  • Why Budgets Are Important

For the lead article on page 3:

  • Creating a Smart Financial Plan
  • Retirement Planning for Stay-at-Home Spouses
  • 4 Reasons for Your Child to Work Part-Time

For the shaded article on page 3:

  • Your 401(k) Plan Has Hidden Gems
  • Incorporating Bonds in Your Portfolio
  • Get Your 401(k) Plan on Track

For the top article on page 4:

  • Guarding Your Financial Identity
  • Paying Off Your Mortgage
  • Overcoming 5 Retirement Fears

April 2017:

For the lead article on page 1:

  • Give Yourself a Money Makeover
  • Saving and Life Planning
  • Start Longevity Planning Now

For the small page 1 article (if you are not using your own article):

  • Shopping for Value in a College Education
  • Asset Allocation
  • Catch-Up Provisions

For the shaded article on page 2:

  • The Cost of Not Planning Ahead
  • Review Your Homeowners Insurance
  • When Should You Retire?

For the lead article on page 3:

  • Sage Advice: What Matters Most?
  • Does Buy and Hold Still Make Sense?
  • 8 Questions Your Financial Plan Should Answer

For the shaded article on page 3:

  • Is Early Retirement Feasible?
  • Invest at Your Own Risk
  • Which Goal is More Important?

For the top article on page 4:

  • An Investment Plan for College
  • How Much Life Insurance Do You Need?
  • 10 Common Investor Mistakes

January 2017:

For the lead article on page 1:

  • Evaluating Stock Investments
  • Insurance and  Your Financial Plan
  • Should You Contribute to a Pension Plan or IRA? Or Both?

For the small page 1 article (if you are not using your own article):

  • Keep Saving after Retirement
  • Why Do Interest Rates Fluctuate?
  • Dealing with a Spouse’s Credit Issues

For the shaded article on page 2:

  • Life Insurance for Stay-at-Home Spouses
  • Advice on Saving for Children
  • A Portfolio Tune-Up

For the lead article on page 3:

  • Is Your Risk Tolerance Hurting Your Retirement Portfolio?
  • Dealing with Bond Price Fluctuations
  • Frequently Asked Questions about Estate Planning

For the shaded article on page 3:

  • Drawdown Retirement Funds Carefully
  • Keeping Score of Financial Progress
  • Managing Your Home Investment

For the top article on page 4:

  • Find Ways to Save
  • Help Beneficiaries Avoid IRA Mistakes
  • How to Set Savings Goals