How to tap your retirement savings penalty-free

Founder, Unique Financial Advisors, president, CFP™, and Vid Ponnapalli •
Kiplinger

Saving for retirement is an important financial goal, but many people struggle with it. Some are concerned that it means locking up funds and making them inaccessible for other financial goals. But this, in fact, is a myth. For example, a young 28-year-old entrepreneur once asked me if she could use some of these funds

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4 ways a home energy audit will save you money

Wisebread.com and Dan Rafter •
Kiplinger

Feel like your home’s utility bills are too high? You’re not alone. The U.S. Energy Information Administration reported that the average monthly electrical bill for U.S. homes stood at just over $114 a month in 2014. And the U.S. Energy Information Administration suggests U.S. homes relying on natural gas would spend an average of $578

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A simple guide to college savings plans

Taylor Schulte, Founder, Define Financial, CFP, and CEO •
Kiplinger

The grand estimated cost to send my hypothetical unborn child to my alma mater–the University of Arizona–in 18 years: $440,223! It’s also close to the current median home price in San Diego. The cost of college will continue to increase by an average of 5% per year, as it has over the past decade, according

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These tips equal six figure savings

Sterling Raskie •
AdviceIQ

Who can save for retirement these days? You can, if you know where to look and honestly assess what you can live without. Recently I had fun with some of my undergraduate students. I asked my entire class to make a list of the wants (not needs) on which they frequently spend money. Answers varied

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