Articles by Lance Cothern

Lance is a licensed Certified Public Accountant (CPA) in the state of Virginia and he covers money management, budgeting, financial products, and more. He is also the founder of Money Manifesto, a personal finance blog, where he writes about his family's relationship with money. Education: B.B.A. in Accounting from James Madison University.

How Couples Can Use a Spousal IRA to Save More for Retirement Find out how couples can use a spousal IRA to save more for retirement when one spouse does not have earned income to contributed to a regular IRA. When You Need to Start Thinking About Buying Life Insurance Photo of Lance Cothern Lance Cothern When You Need to Start Thinking About Buying Life Insurance Find out which questions to ask yourself to know when it is the right time to start thinking about buying life insurance. How to Determine If That Raise or New Job is Worth Relocating For Photo of Lance Cothern Lance Cothern How to Determine If That Raise or New Job is Worth Relocating For Getting an opportunity to further your career is an exciting prospect. But if... Life Insurance Medical Exams: What to Expect Find out what to expect during a medical exam for life insurance purposes, including the next steps after you find out the results. How Much Life Insurance Do You Need? Learn how to determine the amount of life insurance coverage needed for your policy, especially how to balance the payout, term, and annual premiums. Wealth Manager vs. Financial Advisor: What's the Difference? Photo of Lance Cothern Lance Cothern Wealth Manager vs. Financial Advisor: What's the Difference? People often hope to have bright financial futures. Wealthy people don’t... How to Cancel a Life Insurance Policy Photo of Lance Cothern Lance Cothern How to Cancel a Life Insurance Policy Life insurance is an affordable tool to protect your family financially should you... 7 Factors to Consider Before Retiring in a Different State Find out which factors you have to consider before retiring in a different U.S. state, especially when it comes to taxes, cost of living, and healthcare. 5 Ways to Invest in Gold for Portfolio Diversification Learn about the different ways that you can invest in gold, including physical gold, stocks, mutual funds and more, for the purpose of diversification. What is the Cash Surrender Value on a Life Insurance Policy? Photo of Lance Cothern Lance Cothern What is the Cash Surrender Value on a Life Insurance Policy? While term life insurance policies are simple, permanent life insurance policies...