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Recent Financial Advice Q&A Conversations

Do the rate changes for a Term Life Policy, of is the value policy reduced at a certain age?Please give me an answer for a 'Universal' and a 'Whole Life', as asked above?
My wife is getting ready to retire next year. She has the option of getting her pension monthly or taking a lump sum (approx 250k). Are there advantages/disadvantages to taking the lump sum
I retired at 56 and have an AF pension and a federal pension. I plan on taking SS at 62, I also have substantial savings in both TSP and mutual funds. The question is should I draw down my TSP first and if I do not need the $ Reinvest in my mutual funds or draw the mutual funds first? I don’t want t...
What are the penalties for cashing out a Roth IRA early (I am 54 years old). My wife and I want to pay down a large personal loan.
I am retiring from active duty and want to know if I need to purchase the SBP annuity or if I should take that same amount, purchase a term life policy and invest the difference for the next 30 years. The SBP annuity will cost over $400 per month. I will be 54 yrs old upon retirement. Could I get a ...
Hello, I'd like financial advice on managing my retirement funds. When I retire, I will be receiving a pension equivalent to what I earn today (100 percent). What I would like to do is cash out 33.33 percent of my retirement as a lump sum payment and use these funds to pay off my mortgage. With the ...
I have a special need daughter who will require a SNT after My wife or I dieand was unsure how you handle these cases
I have a retirement from a previous job just sitting and not growing. I don't want to roll over to my new job because I don't plan on staying with my new job. However, I need to be able to have access to the $ as I am not totally financially stable right now. What is my best bet to do with this $ to...
Does USAA offer long term care insurance? I’d like information about it if you do.
I have a 529 for my kid, however due to autism and developmental disability I am curious if I do not use these expenses for college, can I roll this to a different type of fund for him? (living expenses, etc)