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47% of American workers have saved less than $25,000 for retirement, and 24% have saved less than $1,000.

Source: Employee Benefit Research Institute, 2017

Will you outlive your retirement income? Are your financial expectations for the coming year realistic?

Our financial newsletters are designed to provide helpful information on a wide variety of financial topics. Simply click on one of the newsletter topics below to read the article in its entirety.

August

HOT TOPIC: Low Volatility: Calm Before the Storm?

Several key factors have helped calm the U.S. stock markets, but consider the potential for future volatility.
Do You Have Enough Life Insurance?

The differences between term life insurance and permanent life insurance and the advantages of an individual policy.
Deficit Trading: The Import/Export Imbalance

Some facts to help understand the issues behind the trade deficit headlines, and how China factors into the story.
Demographic Dilemma

Some economists believe shifting demographics may be the primary reason GDP growth has been weak versus past recoveries.
Social Media Marketing Strategies

Social media is a convenient way for a small business to build customer relationships and gain market exposure.

July

When a Saver Marries a Spender, Every Penny Counts

Guidelines to help facilitate financial discussions between spouses who have different points of view on spending.
Surprise! It’s Retirement Time

Consider these tips to prepare for the possibility that you might retire earlier than planned.
Interested in Interest Rates?

With interest rates expected to keep rising here is a short quiz to test one’s interest rate knowledge.
Offering Life Insurance as an Employee Benefit

Making life insurance part of an employee benefit program could be a cost-effective way to recruit and retain valuable employees.

June

HOT TOPIC: Full Employment: What Happens Now?

The current employment picture and why the labor force may continue to hold back the U.S. economy.
Investing in Your Values

Investing based on principles of sustainable, responsible, and impact could have a positive social outcome.
Do You Need Disability Insurance

An individual disability income policy could provide much-needed income in the event of an accident or illness.
Student Loans Meet Retirement

Considering a higher-education loan for yourself or others? Here are some factors older adults should keep in mind.
The Pros and Cons of Financing Options

Common types of financing that might be available to help small businesses expand or cover operating expenses.

May

Mutual Benefits: Funds to Pursue Your Goals

An overview of nine different types of mutual funds, ranging from lower risk to higher risk.
The State of Social Security

The current state of the Social Security program and possible solutions to address the program's projected shortfall.
Use Sense with Student Loans

Some guidelines before taking on student loan debt including steps students have taken to make college more affordable.
Advance Medical and Legal Directives

Expressing your wishes in advance could help loved ones feel more confident making medical or legal decisions.
Consider Taxation When Setting Compensation

The tax considerations involved in setting a small-business owner’s compensation.

April

HOT TOPIC: Debt Ceiling: A Stop Sign for Federal Borrowing

The debt ceiling may become a focal point during upcoming federal budget and tax reform negotiations. Here’s why.
Is It Wise to Trade Your Pension for a Lump Sum?

The pros and cons of keeping a pension versus accepting a lump-sum payout.
Real Estate Markets on the Mend

The U.S. tax code favors real estate ownership, allowing for tax savings that might help families build wealth over the long term.
Cash Balance Plans Can Help Supercharge Retirement Savings

Generous contribution limits for cash balance plans can help high-income business owners maximize retirement savings.

March

HOT TOPIC: Automating the American Workforce

What current trends in workforce automation could mean for U.S. workers, industries, and the broader economy.
Tax Breaks for College Costs

Three federal tax provisions can help ease the financial strain of paying for rising college costs.
What Is the Roth IRA Five-Year Rule?

There are two separate five-year holding requirements that may affect the tax treatment of Roth IRA distributions.
Tax Tips on Capital Gains

Tax season is an opportunity to look at the tax implications of investment strategies and plan for the year ahead.
LLCs: Hybrid Structure May Offer Best of Both Worlds

A look at the distinctions between LLCs, partnerships, and sole proprietorships.

February

HOT TOPIC: Digital Deception: Current Trends in Cybercrime

An overview of recent developments in cybersecurity and tips that could help protect sensitive account information.
How Much Should You Save for Retirement?

To help calculate retirement savings needs consider factors such as Social Security benefits and medical expenses.
Managing Risk with a Strong Foundation

How asset allocation and diversification can work together to help form a strong base for constructing a portfolio.
A Roadmap for Your Family

A letter of instruction has no formal legal status, but it could be just as important as a legal will to help settle an estate.
Taxing Social Security Benefits

How Social Security benefits are taxed and why the current system may lead to higher tax liabilities.
Six Steps to Launching a New Venture

Here are some important first steps entrepreneurs should consider when starting a new venture.

January

HOT TOPIC: Rising Rates: The Fed Takes Next Step Toward Normal

The possible implications for consumers and investors when the Federal Reserve raises short-term interest rates.
The Cost of Caregiving

About one out of six American adults had provided unpaid care to another adult during the previous 12 months.
In or Out of the Nest? Helping Adult Children

Helping young people transition to adult financial responsibilities without making it difficult for parents to pursue their own financial goals.
Following the Federal Reserve

The regulatory and supervisory responsibilities of the Federal Reserve, including emergency lending, stress tests, and capital controls.
Improving Market Allows More Owners to Cash Out

Common valuation methods and how small-business owners can get the best price when selling their businesses.
Making Sense of Beneficiary Designations

How beneficiary designations, per stirpes and per capita, could affect the division of assets to children and grandchildren.

December

Finding Lost Money

Though finding buried treasure is unlikely, discovering “lost” money or other assets may not be a fantasy after all.

November

Feeling Confident: Steps to Saving More

Ideas that may help readers save more without making a big sacrifice in their cash flow.
Step Up to Help Reduce Taxes on Inherited Assets

Step-up in basis on inherited assets differs from gifts, which are subject to carryover basis rules.
Bracing for Potential Cybersecurity Threats

Understanding cyber security threats and some tips to help small businesses defend their data and protect their interests.

October

Know Your Credit Score

Do you know your FICO score? Here are some tips on how to improve your credit score and maintain your high score.
Looking for Income? Consider Closed-End Funds

Investors interested in the potential for a regular income stream may want to consider closed-end funds.
Comparing Your Retirement Plan Options

A look at some specific features of employer-sponsored retirement plans (401(k) plans, SEP IRAs, and SIMPLE IRAs).

September

How Much Cash Should You Keep?

Common cash vehicles that might be used for emergency savings and investment accounts, including CDs.
New Law Requires Notification of Medicare Observation Status

The distinction between observation care and inpatient status while in the hospital can make a difference in a patient’s out-of-pocket costs.
Focused on College Funding

The flexible features and tax advantages associated with 529 plans, as well as their impact on financial aid.
Reclassifying Real Estate

How REITs differ from other types of stocks and why the sector change might affect the portfolios of some investors.

Retirement Planning Lake Charles, LA

Sam Hebert Financial Group

Contact Us

790 East Bayou Pines Drive

Lake Charles, LA 70601

Office: 337.436.7797
Fax: 337.436.6336

E-mail address: slhebert@ft.newyorklife.com

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Ticker Name	Percent Difference (when noted with %) otherwise Last Price	Difference (where applicable)
Dow Jones Industrials	22,024.87	+0.12
Nasdaq 100	5,917.42	+0.16

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Retirement Planning Lake Charles, LA

Contact Us

We're right herewith you

We're in this together

New York Life is dedicated to serving professional advisors

We have the answers... and we're happy to share

We have the answers... and we're happy to share

It all starts with you

Bring your career to life

What do you wantto do?

Bring your career to life

Bring your career to life

We're hereto help

We're right herewith you

Premier Planning Team

Newsletters

47% of American workers have saved less than $25,000 for retirement, and 24% have saved less than $1,000.

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Retirement Planning Lake Charles, LA

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We're right here
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What do you want
to do?

We're here
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with you