Below is a list of upcoming and past topics for Financial Success. 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 Success. Each issue of Financial Success has been reviewed by FINRA, but your compliance department may also require review of the newsletter before sending to your clients and prospects.

September 2024:

• Estate Planning Tips for Baby Boomers
• Should You Serve as a Guardian? (substitute feature article)
• Financial Rules of Thumb
• Tax Planning and Retirement
• Challenges to Your Retirement (substitute feature article)
• Financial Aspects of a Death

August 2024:

• New to Investing? Mistakes to Avoid
• Ups and Downs in the Stock Market (substitute feature article)
• The Basics of Stock Market Indexes
• What’s the Worst That Can Happen?
• To Sell or Not to Sell? (substitute feature article)
• Dealing with Losses in Stocks

July 2024:

• Watch Out for Retirement Derailers
• Tax Planning Tips (substitute feature article)
• Tax-Deferred Compounding
• Paying Off Debt Isn’t Saving
• Dreams and Goals: What’s the Difference? (substitute feature article)
• The Basics of Wash Sales Rules

June 2024:

• Investing Before and During Retirement
• Is Out-of-State Tuition Worth It? (substitute feature article)
• Overcoming the Fear of Investing
• If It Time to Rethink College?
• Avoid 401(k) and IRA Mistakes (substitute feature article)
• Financial Planning for College Students

May 2024:

• Saving and Life Planning
• Tips for Your 401(k) Plan (substitute feature article)
• Lessons Learned from the Stock Market
• Managing Bond Risks
• Financial Advice for Your Children (substitute feature article)
• Avoid Withdrawal Mistakes

April 2024:

• Focus on the Basics
• Factors Influencing Your Asset Allocation (substitute feature article)
• Estate Planning Considerations for Your Children
• Teach Your Children How to Handle Credit Cards (substitute feature article)
• Set Your Own Debt Limits

March 2024:

• Calculating Your Financial Ratios
• What to Do If Your Budget Isn’t Working (substitute feature article)
• Give Yourself a Money Makeover
• 4 Steps to Boost Financial Confidence
• How to Avoid Credit Card Dependence (substitute feature article)
• How 401(k) Matching Works

February 2024:

• What’s Better: Saving or Paying Down Debt?
• Dealing with a Spouse’s Credit Issues (substitute feature article)
• Your Retirement Portfolio and Bonds
• Managing Investment Risk
• Keep Saving after Retirement (substitute feature article)
• Watch Your Credit When Divorcing

January 2024:

• How Flexible Is Your Financial Plan?
• Choosing Beneficiaries for Your 401(k) Plan (substitute feature article)
• Why Teach Your Children about Investing?
• Your 401(k) Plan When Changing Jobs
• Assess Your 401(k) Plan (substitute feature article)
• Encourage Estate Planning

December 2023:

• Dow Theory: Curbing Emotional Investing
• Changing Life Insurance Needs (substitute feature article)
• Benefits of Low-Correlated Assets
• Insurance and Financial Planning
• Review Life Insurance at Retirement (substitute feature article)
• Lower Homeowners Insurance Premiums

November 2023:

• Enjoy Life and Still Save fore Retirement
• Consider Maturity Dates (substitute feature article)
• 5 Estate Planning Tips for Dependents
• Myths about Bonds
• Nurture Your IRA (substitute feature article)
• The Roles of Bonds

September 2023:

• Tax Planning for Major Life Events
• Calculating Your Investment’s Basis (substitute feature article)
• The Basics of College Financing
• How to Set Savings Goals (substitute feature article)
• Planning Year Round

August 2023:

• Pump Up Your Retirement Savings
• Will Your Child Graduate in 4 Years? (substitute feature article)
• How to Finance a Graduate Degree
• Financial Planning for Every Stage of Life
• Making Progress Toward Financial Goals (substitute feature article)
• Avoid These 5 Investing Mistakes

July 2023:

• Estate Planning for Complicated Family Situations
• 5 Steps to Protect Your Spouse (substitute feature article)
• Giving Back
• Take Time to Reassess
• 4 Reasons for Goal-Focused Investing (substitute feature article)
• Distributing Personal Possessions

June 2023:

• Practical Implications of Investment Theory
• Defensive Investing Strategies (substitute feature article)
• A Portfolio Tune Up
• How to Talk Finances with Your Parents
• Understanding Stock Market Risk (substitute feature article)
• Watching Your Stocks

May 2023:

• 7 Psychological Traps
• Why Budgets Are Important (substitute feature article)
• 6 Signs You Need a Financial Plan
• Financial Planning for Married Couples
• Risk Tolerance and Retirement (substitute feature article)
• Market Timing vs. Buy and Hold

April 2023:

• Get These Decisions Right
• When Adult Children Return Home (substitute feature article)
• Tips for the Sandwich Generation
• Myths about College Planning
• Emotional Issues That Prevent Estate Planning (substitute feature article)
• Diversifying All Your Assets

March 2023:

• Rules for Retirement Investing
• Don’t Underestimate Inflation in Retirement (substitute feature article)
• Dealing with Bond Price Fluctuations
• Reducing Debt — Where to Start
• How to Be a Better Investor (substitute feature article)
• How Much Do You Need in Retirement?

February 2023:

• Bonds at Every Stage of Life
• Allocating Your Bond Investments (substitute feature article)
• Estate Planning for Complicated Family Situations
• When to Sell Stocks (substitute feature article)
• Borrow Wisely

January 2023:

• How to Catch Up on Retirement Savings
• Set Your Debt Limits (substitute feature article)
• Avoid Cosigning a Loan
• Growing Your 401(k) Plan
• Give Yourself a Money Makeover (substitute feature article)
• Credit Issues as You Age

December 2022:

• What Should Your Financial Plan Include?
• Can You Really Save 50% of Your Income? (substitute feature article)
• Drawdown Retirement Funds Carefully
• How to Select Stocks
• Should You Stay or Should You Go? (substitute feature article)
• Fun Ways to Save

November 2022:

• Should You Retire Early?
• Changing Life Insurance Needs (substitute feature article)
• Raising Financially Responsible Children
• 10 Ways to Boost Savings
• Get Your 401(k) Plan on Track (substitute feature article)
• Insurance Basics

October 2022:

• 6 Myths about Stock Investing
• Encourage the Importance of Saving (substitute feature article)
• 4 Reasons Your Child Should Work Part-Time
• Financial Planning for Every Stage of Life
• Financial Management for Students (substitute feature article)
• Which Goal Is More Important?

September 2022:

• Tips for Getting Your Finances in Order
• Your 401(k) Contribution Amount (substitute feature article)
• Are You Saving Enough to Retire Well?
• 401(k) Mistakes to Avoid
• 5 Reasons to Start Saving (substitute feature article)
• Asset Correlation

August 2022:

• A 3-Step Asset Allocation Plan
• Periodically Review Beneficiaries (substitute feature article)
• 10 Common Investor Mistakes
• Measuring an Investment’s Risk
• Your Parents’ Estate Plans (substitute feature article)
• Tax Planning Tips

July 2022:

• To Buy or Not to Buy?
• Dealing with Stocks with Losses (substitute feature article)
• 5 Reasons to Start Saving
• Finding a Balance between Risk and Return
• Do You Really Need 70%? (substitute feature article)
• How Much in Stocks?

June 2022:

• Should You Consider Incentive Trusts?
• Encourage Estate Planning (substitute feature article)
• Avoid This Mistake
• Reassess Your Retirement Plans
• Don’t Forget Digital Assets (substitute feature article)
• Sharing an Inheritance

May 2022:

• 5 Steps to Create an Investment Plan
• Staggered Retirements (substitute feature article)
• 6 Questions to Ask before Investing
• Watch Out for Estimating Mistakes
• 7 Ways to Pay Less for College (substitute feature article)
• Protect Family’s Security

April 2022:

• How to Save More: Step by Step
• A Fundamental Investing Principle (substitute feature article)
• Don’t Make These Selling Mistakes
• Watch Out for These Portfolio Mistakes
• 5 Reasons to Consider Disability Insurance (substitute feature article)
• Good Investing Habits

March 2022:

• Is It Time to Rethink College?
• Straighten Out Your Financial Accounts (substitute feature article)
• Stock Market Ups and Downs
• The Psychology of Saving
• 4 Reasons to Invest in Bonds (substitute feature article)
• Quick Math

February 2022:

• An Investment Plan for College
• A Budget for College Students (substitute feature article)
• Assessing Your Risk Tolerance
• Start Budgeting
• Avoid These 401(k) and IRA Mistakes (substitute feature article)
• Is Out-of-State Tuition Worth It?

January 2022:

• Nurture Your IRA
• Review All Your Policies Regularly (substitute feature article)
• Organizing Your Estate
• Evaluating Stock Investments
• Enjoy Life and Still Save (substitute feature article)
• Life Insurance Tips

December 2021:

• Stock Investing Mistakes to Avoid
• Half Still Equals the Whole (substitute feature article)
• Reevaluate Life Insurance at Retirement
• Retirement Withdrawal Rates
• Stock Selection Tips (substitute feature article)
• Changing 401(k) Beneficiaries

November 2021:

• 8 Questions Financial Plans Should Answer
• Time: Friend or Foe? (substitute feature article)
• Guarding Your Financial Information
• Sufficient Funds to Last Your Entire Retirement
• Bond Investing Tips (substitute feature article)
• Your Bond Allocation

October 2021:

• Investing Before and During Retirement
• Bonds and Interest Rate Changes (substitute feature article)
• Don’t Touch Your 401(k) Plan
• Bonds: Not Just for Retirement
• Overcoming a Fear of Investing (substitute feature article)
• Consider a Bond Tent

September 2021:

• Tax Planning through Life
• Calculating Your Investment’s Basis (substitute feature article)
• How to Be Financially Responsible
• Watch Out for Retirement Derailers
• Reasons to Review Your Estate Plan (substitute feature article)
• A Tax Planning Perspective

August 2021:

• Pension Plans vs. 401(k) Plans
• Do You Have Too Much Debt? (substitute feature article)
• When Should You Sell?
• How to Improve Your Credit Rating
• Easing into Retirement (substitute feature article)
• Dealing with a Spouse’s Credit Issues

July 2021:

• Retirement Planning Assumptions
• Everyone’s Plan Is Different (substitute feature article)
• What Kind of Retirement Do You Want?
• Avoid These 10 Insurance Mistakes
• Life Insurance for Stay-at-Home Spouses (substitute feature article)
• Managing Correlations

June 2021:

• Your Financial Road Map
• Essential Tips for Saving for Retirement (substitute feature article)
• Why Have an Asset Allocation Strategy?
• Retirement Planning Decade by Decade
• Discussing Your Estate with Family (substitute feature article)
• Distributing Personal Possessions

May 2021:

• Leaving a Legacy
• Know When to Exit (substitute feature article)
• How Much Should You Save in Your 401(k) Plan?
• Money Personalities and Saving
• Do You Really Need a Will? (substitute feature article)
• The Financial Aspects of a Death

April 2021:

• How Do You Know If You’re Saving Enough?
• Do You Have a Rainy Day Fund? (substitute feature article)
• 6 Signs You Need a Financial Plan
• Reevaluate Your Portfolio
• Tips to Teach Children to Save (substitute feature article)
• Beneficiary Designations Override Wills

March 2021:

• Focus on the Basics
• Overdiversification (substitute feature article)
• Paying Off Debt Isn’t Saving
• Advice on Saving for Children (substitute feature article)
• When Can You Retire?

February 2021:

• Pump Up Your Retirement Savings
• The Need for an IRA (substitute feature article)
• How to Avoid Credit Card Dependence
• 5 Facts about Estate Planning
• Keep Saving after Retirement (substitute feature article)
• Evaluating P/E Ratios

January 2021:

• Debt and Your Retirement
• Set Your Own Debt Limits (substitute feature article)
• Financial Rules of Thumb
• How to Set Savings Goals
• Long-Term Portfolio Management (substitute feature article)
• Borrow Wisely

December 2020:

• Take Time to Reassess
• Know When to Exit (substitute feature article)
• Ways to Increase Savings
• Overcoming 5 Retirement Fears
• Get Your 401(k) Plan on Track (substitute feature article)
• Pay Yourself First

November 2020:

• Objectives Help Focus Investing
• Lower Your Homeowners Insurance (substitute feature article)
• Estate Planning Tips for Baby Boomers
• Insurance and Financial Planning
• Cut Financial Clutter (substitute feature article)
• Factors Impacting Your Asset Allocation

October 2020:

• Estate Planning Considerations for Children
• A Pay-Yourself-First Strategy (substitute feature article)
• New to Investing? Avoid These Mistakes
• Watching Your Stocks (substitute feature article)
• Dividend Investing

September 2020:

• Life Changes and Tax Planning
• Encourage Estate Planning (substitute feature article)
• 4 Reasons for Goal-Focused Investing
• Finding a Balance between Risk and Return
• Tips for Your 401(k) Plan (substitute feature article)
• Should You Serve as a Guardian?

August 2020:

• Sufficient Funds for Your Entire Retirement
• Consider Bond Tents (substitute feature article)
• Calculating Your Life Insurance Needs
• The Basics of the SECURE Act
• 4 Steps to Boost Financial Confidence (substitute feature article)
• Consider Maturity Dates

July 2020:

• Avoid These Investor Mistakes
• Planning Year Round (substitute feature article)
• Retirement Planning Mistakes to Avoid
• Taxes and Your Investments
• How to Talk Finances with Your Parents (substitute feature article)
• Sharing an Inheritance

June 2020:

• How Flexible Is Your Financial Plan?
• Insurance Basics (substitute feature article)
• What to Do If Your Budget Isn’t Working
• How Much Do You Need to Save for College?
• Financial Tips for the Sandwich Generation (substitute feature article)
• When Adult Children Return Home

May 2020:

• Answers to Important Financial Questions
• Market Timing vs. Buy and Hold (substitute feature article)
• Financial Planning for Married Couples
• 7 Psychological Traps
• Your Risk Tolerance and Retirement (substitute feature article)
• Developing a Plan Is Not Enough

April 2020:

• Review Your Portfolio’s Performance
• Retirement Withdrawal Strategies (substitute feature article)
• Retirement Planning for Stay-at-Home Parents
• Estate Planning and Retirement Accounts
• Managing Your Nest Egg after Retirement (substitute feature article)
• Staggered Retirements

March 2020:

• Get Your Finances in Order
• Encourage the Importance of Saving (substitute feature article)
• Don’t Underestimate Inflation in Retirement
• How Much Will College Really Costs?
• Principles of Stock Diversification (substitute feature article)
• Financial Planning for College Students

February 2020:

• How to Catch Up on Retirement Savings
• Your Bond Allocation (substitute feature article)
• Avoid These Estate Planning Mistakes
• How to Control Your Spending (substitute feature article)
• Teach Children about Credit Cards

January 2020:

• The Dow Theory: Curbing Emotional Investing
• Fun Ways for the Entire Family to Save (substitute feature article)
• 5 Reasons to Start Saving
• The Psychology of Saving
• 4 Reasons to Invest in Bonds (substitute feature article)
• Can You Really Save 50% of Your Income?

Financial Success December 2019:

• Ways to Save for Retirement
• Your 401(k) Contribution Amount (substitute feature article)
• Converting to a Roth IRA
• Does Your Insurance Need Adjusting?
• Bond Investing Tips (substitute feature article)
• Dealing with Losses in Stocks

Financial Success November 2019:

• An Introduction to Stock Analysis
• How Much Should You Invest in Stocks? (substitute feature article)
• Managing Bond Risks
• Lessons Learned from The Stock Market (substitute feature article)
• Your Parents’ Estate Plans

Financial Success October 2019:

• 5 Ways to Ensure You’re Ready for Retirement
• Consider Personal Liability Umbrella Coverage (substitute feature article)
• Your Retirement Portfolio and Bonds
• What Happens If You Are Disabled?
• Your 401(k) Plan after Changing Jobs (substitute feature article)
• Ways to Reduce Life Insurance Premiums

Financial Success September 2019:

• Bond Investing Strategies
• A Financial Plan Is a Living Document (substitute feature article)
• Preventing Identity Theft
• Why Tax Planning Matters (substitute feature article)
• Raising Financially Responsible Children

Financial Success August 2019:

• Tax Planning and Retirement
• Eliminate Tax Refunds (substitute feature article)
• Stock Selection Tips
• Having the Talk
• Expenses Cutting into Savings? (substitute feature article)
• Calculating Your After-Tax Rate of Return

July 2019:

• Why Inflation Can Be Good
• Why Isn’t inflation Zero Percent? (substitute feature article)
• Making Sense of the Federal Deficit
• Is Your 401(k) Plan Enough? (substitute feature article)
• Why Teach Children about Investing?

June 2019:

• Estate-Planning Checklist
• Emotional Issues That Interfere with Estate Planning (substitute feature article)
• Don’t Make These Selling Mistakes
• Calculating Your Financial Ratios
• Distributing Your Estate to Grown Children (substitute feature article)
• Why Have an Asset Allocation Strategy?

May 2019:

• Get These Decisions Right
• Reviewing Legal Documents (substitute feature article)
• Managing Correlations
• Retirement Planning Decade by Decade
• 4 Steps to Create a Budget (substitute feature article)
• Loan Carefully

April 2019:

• Your Retirement Planning Assumptions
• Segregating Your Risk (substitute feature article)
• 6 Life Insurance Mistakes to Avoid
• 5 Steps to Create an Investment Plan
• Learning Income Tax Basics (substitute feature article)
• Overdiversification

March 2019:

• Nurture Your IRA
• Avoid This Mistake (substitute feature article)
• Life Events That Require a Financial Plan
• How Much Do You Really Need to Retire?
• Assess Your 401(k) Plan (substitute feature article)
• Retirement Fund Drawdowns

February 2019:

• Take Time to Reassess
• How Employer 401(k) Matching Works (substitute feature article)
• Give Yourself a Money Makeover
• Insurance Dos and Don’ts
• 7 Ways to Pay Less for College (substitute feature article)
• Changing Life Insurance Needs

January 2019:

• Securing Your Financial Life
• Are You Saving Enough for Retirement (substitute feature article)
• A Portfolio Tune-Up
• Growing Your 401(k) Plan
• Key Components of Your Financial Plan (substitute feature article)
• Before Taking Money Out

December 2018:

• Myths about Bonds
• Ways to Reduce Life Insurance Premiums (substitute feature article)
• Avoid these 5 Investing Mistakes
• When Can You Retire?
• What is Tax-Loss Harvesting? (substitute feature article)
• Growth vs. Value Investing

November 2018:

• Understanding and Improving Your Credit Score
• Do You Have Too Much Debt? (substitute feature article)
• How to Use P/E Ratios
• How Much Is Too Much to Pay for a House?
• Decisions Regarding College Funding (substitute feature article)
• Credit Issues as You Age

October 2018:

• Estate Planning for Complicated Family Situations
• Why Should You Consider Bonds? (substitute feature article)
• The ABCs of Risk Premiums
• Bonds at Every Stage of Life
• Should You Defer Income Taxes? (substitute feature article)
• Bonds and Interest Rate Changes

September 2018:

• Tax Planning through Life
• Everyone’s Plan Is Different (substitute feature article)
• Factors to Consider before Switching Jobs
• The Downside of Taxes Determining Investment Strategy
• 5 Reasons to Start Saving More (substitute feature article)
• A Tax Planning Mentality

August 2018:

• Squeezed by Competing Needs
• Where Will You Go? (substitute feature article)
• Time — Friend or Foe?
• Watch Out for These Retirement Derailers
• Tips to Teach Children to Save (substitute feature article)
• 401(k) Plan Considerations

July 2018:

• Revisit Your Asset Allocation
• A Budget for Your College Student (substitute feature article)
• What Kind of Retirement Do You Want?
• Myths about College Planning
• 5 Estate-Planning Tips for Dependents (substitute feature article)
• How to Save on Premiums

June 2018:

• Reassess Your Retirement Plans
• Don’t Forget inflation (substitute feature article)
• Cut Financial Clutter
• How to Measure Your Investments’ Performance
• Part-Time Retirement (substitute feature article)
• Periodically Review Beneficiaries

May 2018:

• How to Save More: Step by Step
• The Fundamental Investing Principle (substitute feature article)
• Don’t Forget Digital Assets in Your Estate Plan
• Leaving a Legacy
• 4 Steps to Gain Financial Confidence (substitute feature article)
• Distributing Personal Possessions

April 2018:

• Your Financial Road Map
• Straighten Out Your Financial Accounts (substitute feature article)
• Choosing Beneficiaries for Your 401(k) Plan
• Estate Planning for Blended Families
• An Investment Plan for College (substitute feature article)
• Quick Math

March 2018:

• Focus on the Basics
• The Need for IRAs (substitute feature article)
• Are You Making Progress?
• Assessing Your Risk Tolerance
• Reasons to Revise Your Estate Plan (substitute feature article)
• Emotions and Investing

February 2018:

• Pump Up Your Retirement Savings
• Sharing an Inheritance (substitute feature article)
• Tactical Asset Allocation and Market Timing
• How to Protect Against Identity Theft
• Keep Track of Retirement Accounts
• Encourage Your Children to Fund IRAs (substitute feature article)
• Your Debt-to-Income Ratio

January 2018:

• What’s a Reasonable Rate of Return?
• Borrow Wisely (substitute feature article)
• Avoid Credit Card Dependence
• Which Is Better? Saving or Paying Down Debt?
• Raising Financially Responsible Children (substitute feature article)
• Set Your Own Debt Limits

December 2017:

• How Do You Know If You’re Saving Enough?
• Making Saving Part of Your Budget (substitute feature article)
• Watching Your Stocks
• Looking for Signals to Buy and Sell?
• Insurance Basics (substitute feature article)
• Pay  Yourself First

November 2017:

• Avoid These 10 Insurance Mistakes
• Encourage the Importance of Saving (substitute feature article)
• Talk to Family about Your Estate Plan
• Financial Tips for Major Life Events
• 5 Reasons to Consider Disability Insurance (substitute feature article)
• Planning Advice for Students

October 2017:

• Estate-Planning Tips for Baby Boomers
• Dealing with Stock Losses (substitute feature article)
• Your 401(k) Plan Has Hidden Gems
• The Dow Theory: Curbing Emotional Investing
• Investing Defensively (substitute feature article)
• 3 Mistakes When Saving

September 2017:

• How Flexible Is Your Financial Plan?
• Encourage Estate Planning (substitute feature article)
• 4 Reasons to Encourage Part-Time Jobs
• Should You Consider an Incentive Trust
• Rebalancing Your Portfolio (substitute feature article)
• Higher Exclusion Amounts and Trusts

August 2017:

• Diversifying Your Bond Portfolio
• Consider Maturity Dates (substitute feature article)
• Avoid These 5 401(k) Plan Mistakes
• Incorporate Bonds in Your Portfolio (substitute feature article)
• A Look at Bond Tents

July 2017:

• The Practical Implications of Investment Theory
• Withdrawal Strategies as Important as Planning Strategies (substitute feature article)
• When Should You Retire?
• Consider These Investment Tax Strategies
• The Costs of Not Planning Ahead (substitute feature article)
• A Tax Planning Perspective

June 2017:

• Start Longevity Planning Now
• Why Budgets Are Important (substitute feature article)
• Saving Without the Pain
• Guarding Your Financial Information
• Which Goal Is More Important? (substitute feature article)
• When Adult Children Return Home

May 2017:

• A 3-Step Asset Allocation Strategy
• Asset Correlation (substitute feature article)
• Does Buy and Hold Still Make Sense?
• 10 Common Investor Mistakes
• Dealing with Bond Price Fluctuations (substitute feature article)
• Invest at Your Own Risk

April 2017:

• Your Financial Planning Building Blocks
• Is Early Retirement Still Feasible? (substitute feature article)
• To Sell or Not to Sell
• The DOL Fiduciary Rule: What You Need to Know
• Managing Your Home Investment (substitute feature article)
• Catch-Up Savings Options

March 2017:

• Is It Time to Rethink College?
• Shopping for Value in a College Education (substitute feature article)
• Risk Tolerance and Your Retirement Portfolio
• Make Your Savings Last Through Retirement
• Keep Saving after Retirement (substitute feature article)
• Calculate an Investment’s Basis

February 2017:

• Debt’s Role in Your Financial Plan
• Dealing with a Spouse’s Credit Issues (substitute feature article)
• Drawdown Retirement Funds Carefully
• How Much Is Too Much to Pay for Your House?
• Overcoming a Fear of Investing (substitute feature article)
• Avoid Cosigning Loans

January 2017:

• Should You Contribute to a Retirement Plan or IRA? Or Both?
• Changing Life Insurance Needs (substitute feature article)
• Keeping Score of Financial Progress
• Saving and Life Planning
• Overcoming 5 Retirement Fears (substitute feature article)
• Your Bond Allocation