Seek and Find!
                                Looking for a way to set your teenagers up for financial success down the road? Get them off to a good—and early—start by opening Roth individual retirement accounts (IRAs) for them as soon as they start working. Put the power of time and compounding to work on their behalf. You’ll be surprised at the result.                            
                        
                                In this issue we offer a few insights about the impact of rising interest rates on bonds and how you can help an adult child become a homeowner.                            
                        
                                CAPTRUST Financial Advisor Mike Gray says that figuring out your income needs in retirement is really all about your expenses—understanding how much you spend each year and what you’re spending it on.                            
                        
                                The saying “hope springs eternal” may capture the sentiments of most couples on the cusp of remarriage. But hope alone doesn’t assure smooth sailing the second time around.                             
                        
                                Once the kids have flown the nest, or a family business has matured and changed hands, you might decide that a life insurance policy purchased years ago is no longer needed. As life circumstances change, the coverage may not seem worth the premiums.                            
                        
                                Saving and investing for several financial goals at once can be a difficult juggling act.                            
                        
                                Many Americans dream of owning their own home, but the process of buying one can be daunting for first-time buyers.                            
                        
                                Then things really snowballed. First, he had a bad fall that caused a head injury and landed him in the emergency room. A few years later, he was back in the hospital with the early stages of colon cancer and signs of cognitive decline.                            
                        