Rick Moller Ameriprise financial advisor in Granville, OH

Understanding risk

Few terms in personal finance are as important, or used as frequently, as "risk." Nevertheless, few terms are as imprecisely defined. Generally, when... Read the full article

Going back to school as an adult

You've decided that college or graduate school is your ticket to a better career or the path to advancement in your current job. Or maybe you just... Read the full article

Understanding investment terms and concepts

Don't worry if you can't understand the experts in the financial media right away. Much of what they say is jargon that is actually less complicated... Read the full article

Health insurance in retirement

At any age, health care is a priority. When you retire, however, you will probably focus more on health care than ever before. Staying healthy is... Read the full article

529 plans: The ins and outs of contributions and withdrawals

Section 529 plans can be powerful college savings tools, but you need to understand how your plan works before you can take full advantage of it.... Read the full article

Personal deduction planning

Taxes, like death, are inevitable. But why pay more than you have to? The trick to minimizing your federal income tax liability is to understand the... Read the full article

Understanding long-term care insurance

It's a fact: People today are living longer. Although that's good news, the odds of requiring some sort of long-term care increase as you get older.... Read the full article

Trust basics

Whether you're seeking to manage your own assets, control how your assets are distributed after your death, or plan for incapacity, trusts can help... Read the full article

Closing a retirement income gap

When you determine how much income you'll need in retirement, you may base your projection on the type of lifestyle you plan to have and when you... Read the full article

Six keys to successful investing

A successful investor maximizes gain and minimizes loss. Here are six basic principles that may help you invest more... Read the full article

The sandwich generation: juggling family responsibilities.

At a time when your career is reaching a peak and you are looking ahead to your own retirement, you may find yourself in the position of having to... Read the full article

Understanding Social Security

Over 55 million people today receive some form of Social Security benefits, including 90 percent of retired workers over age 65. (Source: Fast Facts... Read the full article

Sudden wealth

What would you do with an extra $10,000? Maybe you'd pay off some debt, get rid of some college loans, or take a much-needed vacation. What if you... Read the full article

Tax planning for income

The goal of income tax planning is to minimize your federal income tax liability. You can achieve this in different ways. Typically, though, you'd... Read the full article

Estimating your retirement income needs

You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income... Read the full article

Saving for retirement and a child's education at the same time

You want to retire comfortably when the time comes. You also want to help your child go to college. So how do you juggle the two? The truth is,... Read the full article

Income tax planning and 529 plans

The income tax benefits offered by 529 plans make these plans attractive to parents (and others) interested in saving for college. Qualified... Read the full article

Asset Allocation

Asset allocation is a common strategy that you can use to construct an investment portfolio. Asset allocation isn't about picking individual... Read the full article

Asset protection in estate planning

You're beginning to accumulate substantial wealth, but you worry about protecting it from future potential creditors. Whether your concern is for... Read the full article

Life insurance and estate planning

Life insurance has come a long way since the days when it was known as burial insurance and used mainly to pay for funeral expenses. Today, life... Read the full article

How student loans inpact your credit

If you've finished college within the last few years, chances are you're paying off your student loans. What happens with your student loans now that... Read the full article

The best ways to save for college

In the college savings game, all strategies aren't created equal. The best savings vehicles offer special tax advantages if the funds are used to pay... Read the full article

ABCs of financial aid

These days, it's hard to talk about college without mentioning financial aid. Yet this pairing isn't a marriage of love, but one of necessity. In... Read the full article

Wills--the cornerstone of your estate plan

If you care about what happens to your money, home, and other property after you die, you need to do some estate planning. There are many tools you... Read the full article

Finding money to pay college bills out of pocket

You've saved for your child's college education through the years, helped your child research schools, and supervised the application process. Now,... Read the full article

Organizing your finances when your spouse has died

Losing a spouse is a stressful transition. And the added pressure of having to settle the estate and organize finances can be overwhelming.... Read the full article

Taxation of investments

It's nice to own stocks, bonds, and other investments. Nice, that is, until it's time to fill out your federal income tax return. At that point, you... Read the full article

Deciding what to do with your 401(k) plan when you change jobs

When you change jobs, you need to decide what to do with the money in your 401(k) plan. Should you leave it where it is, or take it with you? Should... Read the full article

Retirement planning--the basics

You may have a very idealistic vision of retirement--doing all of the things that you never seem to have time to do now. But how do you pursue that... Read the full article

Rick Moller

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