Below is a list of upcoming and past topics for Your Title Update. If you would like to see the full issue, simply email us at csr@icgnews.com. Please take a moment to review all of the personalization options available with Your Title Update. Each issue of Your Title Update has been reviewed by Morgan Stanley and  FINRA.

April 2025:

• 10 Common Investor Mistakes
• Sharing an Inheritance (substitute feature article)
• Loan Carefully
• Saving Based on Personal Goals
• Don’t Forget Digital Assets (substitute feature article)

March 2025:

• 8 Questions Financial Plans Should Answer
• Straighten Out Your Financial Accounts (substitute feature article)
• How to Raise Financially Responsible Kids
• 3 Step Asset Allocation Plan
• Protect Your Family’s Security (substitute feature article)

February 2025:

• How Do You Know You’re Saving Enough?
• Overdiversification (substitute feature article)
• Dealing with Bond Price Fluctuations
• Watch Out for Portfolio Mistakes
• Do You Really Need 70%? (substitute feature article)

January 2025:

• A 3-Step Asset Allocation Plan
• Changing Life Insurance Needs (substitute feature article)
• Don’t Touch Your 401(k) Plan
• Should You Contribute to a Roth 401(k) Plan?
• Keeping Track of Retirement Plans (substitute feature article)

December 2024:

• How Much Should You Save in Your 401(k) Plan?
• Borrow Wisely (substitute feature article)
• Bond Investing Tips
• Objectives Drive Strategies
• Do You Have Too Much Debt? (substitute feature article)

November 2024:

• Need to Catch Up on Retirement Savings?
• Dreams vs. Goals (substitute feature article)
• Bonds: Not Just for Retirement
• Vesting and What It Means (substitute feature article)

October 2024:

• Estate Planning for Blended Families
• Ways to Reduce Life Insurance Premiums (substitute feature article)
• Your Retirement Portfolio and Bonds
• Avoid These 10 Insurance Mistakes
• Life Insurance for Stay-at-Home Parents (substitute feature article)

September 2024:

• Overcoming the Fear of Investing
• Your Bond Allocation (substitute feature article)
• Keep Saving after Retirement
• 4 Reasons to Invest in Bonds
• Bonds and Interest Rate Changes (substitute feature article)

August 2024:

• Estate Planning Tips for Baby Boomers
• Handling the Financial Aspects of Death (substitute feature article)
• Financial Rules of Thumb
• Should You Retire Early?
• Should You Serve as a Guardian? (substitute feature article)

July 2024:

• New to Investing? Mistakes to Avoid
• Learn Income Tax Basics (substitute feature article)
• Signals to Buy and Sell
• Is It Time to Rethink College?
• How Employer 401(k). Matching Works (substitute feature article)

June 2024:

• Reevaluating Your Portfolio
• Planning Year Round (substitute feature article)
• Risk Tolerance and Retirement
• Watch Out for Retirement Derailers
• Is Out-of-State Tuition Worth It? (substitute feature article)

May 2024:

• Tips for Getting Your Finances in Order
• Encourage the Importance of Saving (substitute feature article)
• Avoid 401(k) and IRA Mistakes
• Insurance and Financial Planning
• Financial Planning for College Students (substitute feature article)

April 2024:

• Investing Before and During Retirement
• Avoiding Credit Card Dependence (substitute feature article)
• Financial Advice for Children
• 4 Steps to Financial Confidence
• Drawdown Retirement Funds Carefully (substitute feature article)

March 2024:

• Focus on the Basics
• Factors Influencing Your Asset Allocation (substitute feature article)
• Calculating Your Financial Ratios
• Market Timing vs. Buy and Hold (substitute feature article)

February 2024:

• Your 401(k) Plan When Changing Jobs
• Encourage Estate Planning (substitute feature article)
• Give Yourself a Money Makeover
• How to Talk Finances with Your Parents
• What to Do If Your Budget Isn’t Working (substitute feature article)

January 2024:

• Paying Off Debt Isn’t Saving
• Dealing with a Spouse’s Credit Issues (substitute feature article)
• Avoid Cosigning a Loan
• Managing Investment Risk
• Set Your Own Debt Limits (substitute feature article)

December 2023:

• Saving and Life Planning
• Choosing Beneficiaries for Your 401(k) Plan (substitute feature article)
• A Strategy for College Costs
• How Flexible Is Your Financial Plan?
• Assess Your 401(k) Plan (substitute feature article)

November 2023:

• Estate Planning for Complicated Family Situations
• Changing Life Insurance Needs (substitute feature article)
• Benefits of Low-Correlated Assets
• Myths about Bonds
• Lower Homeowners Insurance Premiums (substitute feature article)

October 2023:

• Managing Bond Risks
• Consider Maturity Dates (substitute feature article)
• 4 Reasons for Goal-Focused Investing
• 7 Ways to Pay Less for College
• Which Goal Is More Important? (substitute feature article)

September 2023:

• Enjoy Life and Save for Retirement
• The Need for an IRA (substitute feature article)
• A Portfolio Tune Up
• Estate Planning Considerations for Children
• Pay Yourself First (substitute feature article)

August 2023:

• Dow Theory: Curbing Emotional Investing
• Calculating Your Investment’s Basis (substitute feature article)
• Taxes and Your Investments
• Planning Year Round (substitute feature article)

July 2023:

• Take Time to Reassess
• Will Your Child Finish College in 4 Years? (substitute feature article)
• 5 Estate Planning Tips for Dependents
• How to Set Savings Goals
• Tips for Your 401(k) Plan (substitute feature article)

June 2023:

• Pump Up Your Retirement Savings
• Distributing Personal Possessions (substitute feature article)
• Giving Back
• Myths about College Planning
• 5 Steps to Protect Spouse (substitute feature article)

May 2023:

• Coming to Terms with Stocks
• Why Budgets Are Important (substitute feature article)
• 6 Signs You Need a Financial Plan
• Financial Planning for Every Stage of Life
• Watching Your Stocks (substitute feature article)

April 2023:

• The Practical Implications of Investment Theory
• Emotional Issues That Prevent Estate Planning (substitute feature article)
• Tips for the Sandwich Generation
• 7 Psychological Traps
• Financial Management for College Students (substitute feature article)

March 2023:

• Get These Decisions Right
• When Adult Children Return Home (substitute feature article)
• 5 Facts about Estate Planning
• Diversifying All Your Assets (substitute feature article)

February 2023:

• 10 Ways to Boost Savings
• Developing the Plan Is Not Enough (substitute feature article)
• Rules for Retirement Investing
• Don’t Underestimate Inflation in Retirement (substitute feature article)

January 2023:

• Bonds at Every Stage of Life
• Allocating Your Bond Investments (substitute feature article)
• Finding a Balance between Risk and Return
• Borrow Wisely (substitute feature article)

December 2022:

• Reducing Debt — Where to Start
• Credit Issues as You Age (substitute feature article)
• Get Your 401(k) Plan on Track
• 6 Questions to Ask before Investing
• Set Your Own Debt Limits (substitute feature article)

November 2022:

• What Should Your Financial Plan Include?
• Can You Really Save 50% of Your Income? (substitute feature article)
• Growing Your 401(k) Plan
• Fun Ways to Save for the Entire Family (substitute feature article)

October 2022:

• 6 Myths about Stock Investing
• Changing Life Insurance Needs (substitute feature article)
• 4 Reasons Your Child Should Work Part Time
• How Much Will College Really Cost
• Insurance Basics (substitute feature article)

September 2022:

• Financial Planning for Every Stage of Life
• Dealing with Losses in Stock (substitute feature article)
• Why Teach Children about Investing?
• 10 Common Investor Mistakes
• Encourage the Importance of Saving (substitute feature article)

August 2022:

• Reassess Your Retirement Plans
• Asset Correlations (substitute feature article)
• 5 Reasons to Start Saving
• 401(k) Mistakes to Avoid
• Your 401(k) Contribution Amount (substitute feature article)

July 2022:

• Tips for Getting Your Finances in Order
• Sharing an Inheritance (substitute feature article)
• The Basics of Asset Allocation
• Measuring a Stock’s Risk
• Tax Planning Tips to Make Life Easier (substitute feature article)

June 2022:

• To Buy or Not to Buy
• How You Can Use P/E Ratios (substitute feature article)
• Do You Really Need 70%?
• Should You Consider Incentive Trusts?
• How Much Should Be Invested in Stocks? (substitute feature article)

May 2022:

• Review Your Portfolio’s Performance
• Encourage Estate Planning (substitute feature article)
• Your Parents’ Estate Plans
• Watch Out for These Estimating Mistakes
• Don’t Forget Digital Assets (substitute feature article)

April 2022:

• How to Catch Up on Retirement Savings
• Avoid This Mistake (substitute feature article)
• An Investment Plan for College
• Staggered Retirements (substitute feature article)

March 2022:

• 5 Steps to Create an Investment Plan
• A Fundamental Investment Principle (substitute feature article)
• Don’t Make These Selling Mistakes
• Watch Out for Portfolio Mistakes
• Good Investing Habits (substitute feature article)

February 2022:

• How to Save More: Step by Step
• Quick Math (substitute feature article)
• Protect Your Family’s Security
• The Psychology of Saving
• Straighten Out Your Financial Accounts (substitute feature article)

January 2022:

• Is It Time to Rethink College?
• Is Out-of-State Tuition Worth It? (substitute feature article)
• Building an Investment Plan
• Start Budgeting
• Budgeting for College Students (substitute feature article)

December 2021:

• Evaluating Stock Investments
• Review All Policies Regularly (substitute feature article)
• 5 Things to Know about Disability Insurance
• Organizing Your Estate
• Bond Investing Tips (substitute feature article)

November 2021:

• Retirement Withdrawal Rates
• Hals Still Equals the Whole (substitute feature article)
• Stock Market Ups and Downs
• Stock Investing Mistakes to Avoid
• Consider a Bond Tent (substitute feature article)

October 2021:

• Sufficient Funds to Last Your Entire Retirement
• Your Bond Allocation (substitute feature article)
• 5 Reasons to Start Saving
• Overcoming Your Fear of Investing
• Time: Friend or Foe? (substitute feature article)

September 2021:

• Watch Out for Retirement Derailers
• Bonds and Interest Rate Changes (substitute feature article)
• Bonds: Not Just for Retirement
• How Employer 401(k) Matching Works (substitute feature article)

August 2021:

• Tax Planning and Retirement
• Calculating Your Investment’s Basis (substitute feature article)
• Avoid These 10 Insurance Mistakes
• How to Be Financially Responsible (substitute feature article)

July 2021:

• Investing Before and During Retirement
• Do You Have Too Much Debt? (substitute feature article)
• Why Have an Asset Allocation Strategy?
• 8 Questions Your Financial Plan Should Answer
• Why Credit Can Be Good (substitute feature article)

June 2021:

• Retirement Planning Assumptions
• Everyone’s Plan Is Different (substitute feature article)
• What Kind of Retirement Do You Want?
• Pension Plans vs. 401(k) Plans
• Distributing Personal Possessions (substitute feature article)

May 2021:

• Retirement Planning Decade by Decade
• Essential Tips for Saving for Retirement (substitute feature article)
• 6 Signs You Need a Financial Plan
• Reevaluate Your Portfolio
• Managing Your Nest Egg after Retirement (substitute feature article)

April 2021:

• Your Financial Road Map
• Evaluating P/E Ratios (substitute feature article)
• Tips to Teach Children to Save
• Leaving a Legacy
• Handling the Financial Aspects of a Death (substitute feature article)

March 2021:

• Focus on the Basics
• Managing Correlations (substitute feature article)
• How to Set Savings Goals
• Do You Have a Rainy Day Fund? (substitute feature article)

February 2021:

• Pump Up Your Retirement Savings
• Know When to Exit (substitute feature article)
• Assess Your 401(k) Plan
• Money Personalities and Saving
• Overdiversification (substitute feature article)

January 2021:

• Paying Off Debt Isn’t Saving
• Keep Saving after Retirement (substitute feature article)
• How to Avoid Credit Card Dependence
• Financial Planning for Married Couples
• The Need for an IRA (substitute feature article)

December 2020:

• Tips for Your 401(k) Plan
• 5 Reasons to Start Saving (substitute feature article)
• Risk Tolerance and Your Retirement Portfolio
• Organize Your Estate
• Set Your Own Debt Limits (substitute feature article)

November 2020:

• Take Time to Reassess
• Cut Financial Clutter (substitute feature article)
• Ways to Increase Savings
• How Do You Know If You’re Saving Enough?
• 4 Steps to Boost Financial Confidence (substitute feature article)

October 2020:

• Insurance and Financial Planning
• Watching Your Stocks (substitute feature article)
• Estate Planning Tips for Baby Boomers
• Dealing with Stock Price Declines (substitute feature article)

September 2020:

• Objectives Help Focus Investing
• A Dividend Investing Strategy (substitute feature article)
• New to Investing? Mistakes to Avoid
• How a Pay-Yourself-First Strategy Works (substitute feature article)

August 2020:

• Estate Planning Considerations for Your Children
• Encourage Estate Planning (substitute feature article)
• Overcoming 5 Retirement Fears
• Beneficiary Designations Override Your Will (substitute feature article)

July 2020:

• Active vs. Passive Bond Investing
• Consider Bond Tents (substitute feature article)
• When to Use Tax-Advantaged Accounts
• The Basics of the SECURE Act
• Bonds and Maturity Dates (substitute feature article)

June 2020:

• Sufficient Funds for Your Entire Retirement
• Planning Year Round (substitute feature article)
• 4 Reasons for Goal-Focused Investing
• Taxes and Your Investments
• When Adult Children Return Home (substitute feature article)

May 2020:

• How Flexible Is Your Financial Plan?
• Financial Tips for the Sandwich Generation (substitute feature article)
• 7 Psychological Traps
• What to Do If Your Budget Isn’t Working (substitute feature article)

April 2020:

• Avoid These Investor Mistakes
• Factors Influencing Your Asset Allocation (substitute feature article)
• Rebalance Your Portfolio
• How to Raise Financially Responsible Children
• Market Timing vs. Buy and Hold (substitute feature article)

March 2020:

• An Introduction to Stock Analysis
• Staggered Retirements (substitute feature article)
• Retirement Planning for Stay-at-Home Parents
• Retirement Withdrawal Strategies (substitute feature article)

February 2020:

• How Much Will College Really Cost
• Dealing with Stock Losses (substitute feature article)
• Making Money Last through Retirement
• Encourage the Importance of Saving (substitute feature article)

January 2020:

• Ways to Save for Retirement
• Teaching Children How to Handle Credit Cards (substitute feature article)
• Rebalance Your Portfolio
• Avoid Estate Planning Mistakes
• Keep Saving after Retirement (substitute feature article)

December 2019:

• The Psychology of Saving
• Fun Ways for the Entire Family to Save (substitute feature article)
• Insurance Basics
• Preventing Identity Theft
• Can You Really Save 50% of Your Income? (substitute feature article)

Your Title Update November 2019:

• 5 Ways to Ensure You’re Ready for Retirement
• Your 401(k) Contribution Amount (substitute feature article)
• Get Your 401(k) Plan on Track
• Get Your Finances in Order
• Why Tax Planning Matters (substitute feature article)

Your Title Update October 2019:

• Estate Planning and Your Retirement Accounts
• How Much Should You Allocate to Stocks? (substitute feature article)
• Dow Theory: Curbing Emotional Investing
• Calculating an Investment’s Basis (substitute feature article)

Your Title Update September 2019:

• Take Time to Reassess
• Emotional Issues That Prevent Estate Planning (substitute feature article)
• How to Get a Handle on Spending
• What Happens with a Disability?
• Ways to Reduce Life Insurance Premiums (substitute feature article)

Your Title Update August 2019:

• Bond Investing Strategies
• How to Be Financially Responsible (substitute feature article)
• Having the Talk
• Bond Investing Tips (substitute feature article)

July 2019:

• Calculating Your Financial Ratios
• 4 Steps to Create a Budget (substitute feature article)
• Is Your 401(k) Plan Enough?
• Tax Planning and Retirement
• Determining Your After-Tax Rate of Return (substitute feature article)

June 2019:

• Why Inflation Can Be Good
• Sharing an Inheritance (substitute feature article)
• Making Sense of the Federal Deficit
• Why Isn’t Inflation Zero Percent? (substitute feature article)

May 2019:

• Retirement Planning Decade by Decade
• Managing Correlations (substitute feature article)
• 7 Ways to Pay Less for College
• Estate-Planning Checklist
• Your Parents’ Estate Plans (substitute feature article)

April 2019:

• Calculating Your Life Insurance Needs
• Review Legal Documents (substitute feature article)
• Should You Consider Early Retirement?
• Get These Decisions Right
• Loan Carefully (substitute feature article)

March 2019:

• Nurture Your IRA
• Overdiversification (substitute feature article)
• 7 Steps to Make Saving a Habit
• 5 Steps to Create an Investment Plan
• Segregating Your Risk (substitute feature article)

February 2019:

• Retirement Planning Assumptions
• Drawdown Retirement Funds Carefully (substitute feature article)
• Avoid this Mistake
• How Much Do You Really Need to Retire?
• How 401(k) Matching Works (substitute feature article)

January 2019:

• Give Yourself a Money Makeover
• Choosing Beneficiaries for Your 401(k) Plan (substitute feature article)
• Decisions Regarding College Funding
• Avoid These 10 Insurance Mistakes
• Changing Life Insurance Needs (substitute feature article)

December 2018:

• Growing Your 401(k) Plan
• Before Taking Money from Your IRA (substitute feature article)
• Stock Selection Tips
• How Much Is Too Much to Pay for a  House?
• Dreams and Goals: What’s the Difference? (substitute feature article)

November 2018:

• To Buy or Not to Buy
• Growth vs. Value Investing (substitute feature article)
• Tactical Allocation and Market Timing
• Watch Out for Retirement Derailers
• Bonds and Interest Rate Changes (substitute feature article)

October 2018:

• Easing into Retirement
• Do You Have Too Much Debt? (substitute feature article)
• 5 Estate-Planning Tips for Dependents
• Understanding and Improving Your Credit Score
• Credit Issues as You Age (substitute feature article)

September 2018:

• Myths about Bonds
• Revising Your Asset Allocation (substitute feature article)
• Should You Defer Income Taxes?
• Bonds at Every Stage of Life
• Why Should You Consider Bonds? (substitute feature article)

August 2018:

• Downside of Taxes Determining Investment Strategy
• Where Will You Live after Retirement? (substitute feature article)
• Factors to Consider before Switching Jobs
• How to Save More: Step by Step
• A Tax Planning Mentality (substitute feature article)

July 2018:

• Squeezed by Competing Needs
• Everyone’s Plan Is Different (substitute feature article)
• The Need for IRAs
• Estate Planning for Complicated Family Situations
• Quick Math (substitute feature article)

June 2018:

• Reassess Your Retirement Plan
• Periodically Review Beneficiaries (substitute feature article)
• Time — Friend or Foe?
• Myths about College Planning
• A Budget for Your College Student (substitute feature article)

May 2018:

• Your Financial Road Map
• Don’t Forget about Inflation (substitute feature article)
• A Portfolio Tune Up
• Part-Time Retirement
• Don’t Forget Your Digital Assets (substitute feature article)

April 2018:

• Securing Your Financial Life
• Distributing Personal Possessions (substitute feature article)
• Encourage Your Child to Fund an IRA
• Leaving a Legacy
• Cutting Financial Clutter (substitute feature article)

March 2018:

• Which Is Better? Saving or Paying Down Debt?
• The Fundamental Investing Principle (substitute feature article)
• Challenges to Your Retirement
• 4 Steps to Financial Confidence
• Straighten Out Your Financial Accounts (substitute feature article)

February 2018:

• Focus on the Basics
• Your Emotions and Investing (substitute feature article)
• The ABCs of Risk Premiums
• Assessing Your Risk Tolerance
• How to Know If You’re Making Progress (substitute feature article)

January 2018:

• How and Why to Build a Bond Ladder
• Ways to Reduce Life Insurance Premiums (substitute feature article)
• Don’t Touch Your 401(k) Plan
• Pump Up Your Retirement Savings
• Keep Track of Retirement Plans (substitute feature article)

December 2017:

• How Do You Know If You’re Saving Enough?
• Borrow Wisely (substitute feature article)
• 5 Reasons to Start Saving More
• Merging Your Finances When You Marry
• Set Your Own Debt Limits (substitute feature article)

November 2017:

• Practical Implications of Investment Theory
• Watching Your Stock (substitute feature article)
• How to Make Saving Part of Your Budget
• Ways to Save for Retirement
• Pay Yourself First (substitute feature article)

October 2017:

• Estate-Planning Tips for Baby Boomers
• How to Save Without Pain (substitute feature article)
• 6 Life Insurance Mistakes to Avoid
• Financial Tips for Major Life Events
• Insurance Basics (substitute feature article)

September 2017:

• What’s a Reasonable Rate of Return?
• Which Goal Is More Important? (substitute feature article)
• Financial Rules of Thumb
• Looking for Signals to Buy and Sell?
• How to Use P/E Ratios (substitute feature article)

August 2017:

• An Investment Plan for College
• Encourage Estate Planning (substitute feature article)
• 401(k) Plans Have Hidden Gems
• Should You Consider Incentive Trusts?
• High Exclusion Limits and Trusts (substitute feature article)

July 2017:

• Diversifying Your Bond Portfolio
• Consider Maturity Dates (substitute feature article)
• Raising Financially Responsible Children
• 4 Reasons to Encourage Part-Time Jobs
• Consider a Bond Tent (substitute feature article)

June 2017:

• A 3 Step Asset Allocation Plan
• A Tax Planning Perspective (substitute feature article)
• When Should You Retire?
• Consider These Investment Tax Strategies
• The Costs of Not Planning Ahead (substitute feature article)

May 2017:

• How Flexible Is Your Financial Plan?
• Why Budgets Are Important (substitute feature article)
• Does Buy and Hold Still Make Sense?
• Guarding Your Financial Information
• When Adult Children Return Home (substitute feature article)

April 2017:

• Start Longevity Planning Now
• Asset Correlation (substitute feature article)
• Catch-Up Options
• 10 Common Investor Mistakes
• Invest at Your Own Risk (substitute feature article)

March 2017:

• Tax Cutting Tips for Retirement
• Withdrawal Strategies Are Important (substitute feature article)
• The DOL Fiduciary Rule: What You Need to Know
• Is Early Retirement Still Feasible? (substitute feature article)

February 2017:

• Is It Time to Rethink College?
• Encouraging the Importance of College Saving (substitute feature article)
• Signals to Buy or Sell Stocks
• Shopping for Value in a College Education (substitute feature article)

January 2017:

• Your Financial Roadmap
• Dealing with a Spouse’s Credit Issues (substitute feature article)
• Drawdown Retirement Funds Carefully
• Managing Your Home Investment
• Overcoming Your Fear of Investing (substitute feature article)