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5 For 5: Understanding How To Manage Debt


5 for 5: Considerations for Credit


5 for 5: Five Pieces of a Financial Plan


5 for 5: HSAs


5 for 5: Cryptocurrency


5 for 5: Financial Planning for Newlyweds


5 For 5: Choosing Your Retirement Plan Investments


5 For 5: Managing Your Personal Economy


5 for 5: Estate Planning


5 For 5: Goal Planning


5 for 5: Retirement Planning


5 For 5: Life Insurance Basics


5 For 5: Health + Wealth Planning


5 For 5: Financial Planning in Your 50s


5 For 5: Investing & the Upcoming Election


5 for 5: Financial Planning Process


5 for 5: Five B's for Financial Fitness for 2021


5 For 5: Impact Investing


5 For 5: Workplace Retirement Plans


5 for 5: What key areas should your financial plan cover?


Family View

Managing personal finances can overwhelm many aging seniors. TotalWealth powered by eMoney helps you monitor your parents’ complete financial picture so you can provide support if necessary.


Business Planning

Many business owners are too busy running their company today to prepare a solid succession plan. This video offers a checklist for a smooth ownership transition in the future.


Asset Allocation: Help reduce your risk

Every investment decision involves both risk and reward. Learn how an asset allocation strategy can help reduce your risk.


College Savings: What you need to know to get started

60% of families don't have a college savings strategy. Watch this video to learn what you need to know to get started.


Buy or Lease a Car

What’s the better choice when looking at getting a new car? This video explains the financial advantages between buying or leasing a car when you’re young.


Eldercare: A checklist for taking care of your aging parents

Taking care of one's aging parents can be emotional and expensive. This video provides a checklist on what to do.


Credit Cards vs. Debit Cards

This video explains the difference between Credit and Debit Cards and the basics of bankcards and how to use them wisely.


Life in a Box

Remember when you were a kid. Things were so simple and life was good. Everything you owned could fit into one box—all your worldly possessions in one safe place. As time passed you collected more things…and more boxes. Life became less simple. Do you know where everything is and what everything is worth?

We understand everyone’s situation is different, but we also know that we’re all capable of taking control of our personal finances. Don't worry, we're here to help!


Economic Reality: Americans overspend and under save

Americans overspend and under save. We must strengthen our personal economies to save America's economy.


Graduating into Financial Freedom

College graduation is a time of new beginnings and new financial responsibilities. Help new college grads get off on the right foot financially with these money management tips.


The Power of Entrepreneur

Entrepreneurs generate over 65% of new jobs. While they work hard for us, they need an advisor team working for them.


Healthcare Planning

Healthcare expenses are the #1 cause for personal bankruptcy in America. This video stresses why it's important to plan now for the high cost of healthcare in retirement.


How do I Budget?

Learning to budget is essential to any healthy financial life. Watch this video to learn the basics of budgeting to learn how to make every penny count.


How to Reduce Debt

This video shows you ways to reduce debt and regain control of your personal finances.


How to Save for College

This video shows you effective strategies how to pay for the high price of higher education.


How to Save for Retirement

Financial security in retirement takes planning and commitment. You can do it, here's how.


Irrevocable Life Insurance Trust

Irrevocable Life Insurance Trusts (ILIT) can provide financial control and tax efficiencies. This video shows you how it works.


Life Insurance: How protected is your family?

Life insurance protects. 70% of those with coverage only have enough to replace 3.5 years of income. How protected is your family?


Investment Policy Statement

Before you build, you need a blueprint. Learn how an Investment Policy Statement can serve as your financial blueprint.


Retirement Education

95% of Americans have not saved enough for retirement. Act now, your retirement is approaching.


Retirement Income Education

To retire right you need to know what to do with what you've saved. Do you know your retirement options?


Teach Your Kids the Golden Rule of Personal Finance

Do your kids know the golden rule of personal finance? Spend Less Than You Earn. Use this video to show them that spending less than they earn is their ticket to a successful financial future.


The Power of a Trust

There are a lot of ways to plan for the future. Trusts can help protect your assets so you can create a lasting legacy for the ones you love the most.


Trusts: Manage how you leave assets to your family

Trusts can manage how you leave assets to your family. This video shows how Trusts can create and preserve your legacy.


War For Your Wallet

There's a war being waged for your wallet. Fight the urge to splurge, spend wisely and win for your financial future.


What it means to be a Fiduciary

As a fiduciary, we have your your best interests at heart. This video outlines the value we provide and what it means to have a fiduciary acting on your behalf. 


What's in a Number

What’s in a number? When you invest everything you’ve earned into everything you own, there’s a piece of you in every number. Now, you can see everything you own all in one place. A private and secure location where your data is consolidated into one and clear picture of you. We understand everyone’s situation is different, but we also know that we’re all capable of taking control of our personal finances. Don't worry, we're here to help!


Wills: A financial roadmap for your family

A financial roadmap for your family - A Will can provide a financial roadmap for your family. This video shows what to know when preparing your own Will.


College Planning: Are you ready?

Watch this video to look at how much college costs today, projected costs for the future, and the building blocks that go into funding a college education. This video reviews different tax-advantaged ways to save for college, and we'll also examine the role of financial aid.


A Financial Blueprint for Millennials

Millennials have different financial challenges from their parents. Here is a Financial Blueprint for Millennials to use to figure out their unique financial goals.


Retirement Loan Education

While employed by the company sponsoring your retirement plan, you may be eligible to take a loan from your account. Like a loan that you might obtain from your local bank, taking a loan from your retirement account means that you are borrowing money to be paid back, with interest, over a set period of time.  Since you are borrowing this money from your own retirement savings, your loan payments, including interest, are repaid to your retirement account.

Generally, you are eligible to borrow as much as half of your vested account balance up to a maximum of $50,000. Some plans also provide restrictions on the reasons you are allowed to take a loan.  Money borrowed from your retirement account is not subject to an early withdrawal penalty, nor is it considered taxable income as long as you repay the loan as agreed. A retirement plan loan is repaid through payroll deductions. The payments are withheld from your paycheck each pay period throughout the term of the loan. A plan loan can be paid off over a period of up to 5 years. If the loan is specifically for the purchase of a primary residence, many plans allow for up to a 10 year repayment period.   

Borrowing from your retirement account to meet a financial need should be a strategy used only when absolutely necessary. When borrowing from your retirement plan, you are typically receiving money that has not yet been taxed. During the payback period, you are repaying the loan with after-tax money which will be taxed again when you distribute your funds in retirement. In addition, if you terminate employment with your plan sponsor before you have repaid your loan in its entirety, the full remaining balance of the loan becomes due. If you are unable to pay the loan off at that time, the balance of the loan will be deemed a distribution and be treated as income for the current year. The outstanding loan balance will be subject to all applicable taxes and early withdrawal penalties.

Before you decide to take a loan from your retirement account, we recommend consulting with a financial planner. A financial professional can help you to assess the purpose, the cost and the tax effects of the loan to decide whether a retirement plan loan is the best option to meet your needs. If you have any questions on how to request a loan or the repayment process, our Service Center is happy to help.

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