Think about this: what will happen to your savings if illness or injury interrupts your income?

A leading cause of personal bankruptcies in the United States is not having coverage if you become ill or have an accident. You can protect your savings and provide yourself with income by getting health and disability insurance.

If you are working and your employer offers health and disability insurance, be sure to take advantage of opportunities to enroll in that coverage through your employer. If not, explore your health care options and research disability insurance providers online.

Contributing to a Health Savings Account (HSA) can help you take advantage of tax benefits and increase the impact of your healthcare savings. Money you put in a HSA can be used to pay your medical expenses now and into retirement.

Once you max out your HSA, consider saving more for retirement.

• If you have extra money after fulfilling your other financial priorities, it's healthy to contribute more to your retirement.
• Use myOrangeMoney® to see how saving a little extra today can help you do more of what you want tomorrow.

• If you have student loans, explore repayment program options.
• If you’re continuing your education, explore tuition reimbursement programs available through your employer.
•  Save on out-of-pocket medical expenses by learning about options available to you.

Storing your data in an easily accessible, secure space will help you and loved ones find important information when it’s needed.

Suggested list of information to store in one place:

• Your monthly budget with income, spending and saving plans.
• Saving and investing accounts as well as any other assets you own.
• Documents like life insurance policies, wills, trusts, powers of attorney, health proxies and tax information.
• Contact information for financial professionals you work with – e.g. tax preparer, financial advisor, banker.

Think about this: what will happen to your savings if illness or injury interrupts your income?

A leading cause of personal bankruptcies in the United States is not having coverage if you become ill or have an accident. You can protect your savings and provide yourself with income by getting health and disability insurance.

If you are working and your employer offers health and disability insurance, be sure to take advantage of opportunities to enroll in that coverage through your employer. If not, explore your health care options and research disability insurance providers online.

• Consider including life insurance in your saving plan. Calculating your life insurance needs is a good way to get started.
• Take advantage of wills and trusts to leave your legacy the way you intended.
• If you are a caregiver for someone with special needs, gain confidence as you make decisions for you and your family with planning for special needs.

• Contributing to a Health Savings Account (HSA) can help you take advantage of tax benefits and increase the impact of your   healthcare savings. Money you put in a HSA can be used to pay your medical expenses now and into retirement.
• Once you max out your HSA, consider saving more for retirement.

• If you have extra money after fulfilling your other financial priorities, it's healthy to contribute more to your retirement.
• Use myOrangeMoney® to see how saving a little extra today can help you do more of what you want tomorrow.

Buying a first home

Couples and finances

Having a Child

Storing your data in an easily accessible, secure space will help you and loved ones find important information when it's needed.

Suggested list of information to store in one place:

• Your monthly budget with income, spending and saving plans.
• Saving and investing accounts as well as any other assets you own.
• Documents like life insurance policies, wills, trusts, powers of attorney, health proxies and tax information.
• Contact information for financial professionals you work with – e.g. tax preparer, financial advisor, banker.

Think about this: what will happen to your savings if illness or injury interrupts your income?

A leading cause of personal bankruptcies in the United States is not having coverage if you become ill or have an accident. You can protect your savings and provide yourself with income by getting health and disability insurance.

If you are working and your employer offers health, critical illness and disability insurance, be sure to take advantage of opportunities to enroll in that coverage through your employer. If not, explore your health care options and research disability insurance providers online.

• Consider including life insurance in your saving plan. Calculating your life insurance needs is a good way to get started.
• Take advantage of wills and trusts to leave your legacy the way you intended.
• If you are a caregiver for someone with special needs, gain confidence as you make decisions for you and your family with planning for special needs.

Contributing to a Health Savings Account (HSA) can help you take advantage of tax benefits and increase the impact of your healthcare savings. Money you put in a HSA can be used to pay your medical expenses now and into retirement.

Once you max out your HSA, consider saving more for retirement.

• If you have extra money after fulfilling your other financial priorities, it's healthy to contribute more to your retirement.
• Use myOrangeMoney® to see how saving a little extra today can help you do more of what you want tomorrow.

Buying home away from home – Weighing the pros and cons

Saving for college
 
Caring for elderly parents

Storing your data in an easily accessible, secure space will help you and loved ones find important information when it’s needed.

Suggested list of information to store in one place:

• Your monthly budget with income, spending and saving plans.
• Saving and investing accounts as well as any other assets you own.
• Documents like life insurance policies, wills, trusts, powers of attorney, health proxies and tax information.
• Contact information for financial professionals you work with – e.g. tax preparer, financial advisor, banker.

Think about this: what will happen to your savings if illness or injury interrupts your income?

A leading cause of personal bankruptcies in the United States is not having coverage if you become ill or have an accident. You can protect your savings and provide yourself with income by getting health and disability insurance.

If you are working and your employer offers health, critical illness and disability insurance, be sure to take advantage of opportunities to enroll in that coverage through your employer. If not, explore your health care options and research disability insurance providers online.

Every financial plan should include an assessment of long-term care and critical illness insurance needs. For help assessing your insurance needs, contact a financial advisor.

• Consider including life insurance in your saving plan. Calculating your life insurance needs is a good way to get started.
• Take advantage of wills and trusts to leave your legacy the way you intended.
• If you are a caregiver for someone with special needs, gain confidence as you make decisions for you and your family with planning for special needs.

• Contributing to a Health Savings Account (HSA) can help you take advantage of tax benefits and increase the impact of your healthcare savings. Money you put in a HSA can be used to pay your medical expenses now and into retirement.
• Once you max out your HSA, consider saving more for retirement.

• If you have extra money after fulfilling your other financial priorities, it's healthy to contribute more to your retirement.
• Use myOrangeMoney® to see how saving a little extra today can help you do more of what you want tomorrow.

How Long Will My Retirement Savings Last? 

When to Retire 
 
How Converting your Traditional IRA to a Roth IRA may be beneficial

Retirement Income Planning to create steady income from your savings

When is the right time to apply for Social Security?

Health Insurance Before Medicare (Health insurance options if you plan to retire before age 65 and won’t qualify for Medicare)

Storing your data in an easily accessible, secure space will help you and loved ones find important information when it’s needed.

Suggested list of information to store in one place:

• Your monthly budget with income, spending and saving plans.
• Saving and investing accounts as well as any other assets you own.
• Documents like life insurance policies, wills, trusts, powers of attorney, health proxies and tax information.
• Contact information for financial professionals you work with – e.g. tax preparer, financial advisor, banker.

• Think about this: What will happen to your retirement savings if you become ill or have an accident?
• If you retire before age 65, assess your options for health insurance before Medicare.
• Learn about taking care of when you can't take care of yourself and how long-term care insurance can help you protect your savings.
• You may also want to explore adding a chronic illness rider to your life insurance policy. This protects your assets should a chronic condition require day-to-day assistance.

• Consider including life insurance in your saving plan. Calculating your life insurance needs is a good way to get started.
• Take advantage of wills and trusts to leave your legacy the way you intended.
• If you are a caregiver for someone with special needs, gain confidence as you make decisions for you and your family with planning for special needs.

Managing your Retirement Withdrawal

Retirement Income – Stretching your Savings
 
How Converting your Traditional IRA to a Roth IRA may be beneficial

Is an Annuity Right for You? – Consider an annuity for creating a steady and reliable income stream during retirement.

Storing your data in an easily accessible, secure space will help you and loved ones find important information when it’s needed.

Suggested list of information to store in one place:

• Your monthly budget with income, spending and saving plans.
• Saving and investing accounts as well as any other assets you own.
• Documents like life insurance policies, wills, trusts, powers of attorney, health proxies and tax information.
• Contact information for financial professionals you work with – e.g. tax preparer, financial advisor, banker.