COTO Insurance & Financial Services Blog

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Two-Earner Households Are Sometimes Less Prepared for Retirement
April 8, 2019

With regard to household incomes and the economy in general, we often hear the opinion that “it takes two incomes these days”. And in many situations, that is indeed true. Ironically, some statistics suggest that while dual-earner households might be making more money overall, they are often less prepared for…

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A 401(k) Rollover After Retirement Can Be a Good Idea
April 1, 2019

Many people assume that they will contribute to their 401(k) for decades, carry it into retirement, and begin distributions. And for some, that works out just fine. But as with anything else in life, you want to make that decision with full knowledge of the other options available to you,…

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What Happens to Debts After Death?
March 25, 2019

No one hopes to carry significant debts into retirement, and you particularly don’t wish to leave behind large debts for your loved ones after you pass away. But some amount of debt is normal for everyone, and is usually unavoidable. Planning for those debts, then, is the way to protect…

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What is the Maximum Possible Social Security Benefit?
March 18, 2019

Like most people, you probably anticipate that Social Security will make up an important part of your retirement income. But how large can your monthly benefit payment actually be? That will be determined by a number of factors unique to your situation, but let’s take a look at the maximum…

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