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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 Much Life Insurance Do You Need? Photo of Lance Cothern Lance Cothern How Much Life Insurance Do You Need? Getting life insurance is a great way to secure your family’s future should you... Wealth Manager vs. Financial Advisor: What's the Difference? Learn the differences that may exist between a wealth manager and financial advisor -- both are professionals who can help you manage your money smarter. How to Cancel a Life Insurance Policy Learn how you can cancel a life insurance policy (whether it's term life insurance, whole life insurance, or other type), including factors to consider. 7 Factors to Consider Before Retiring in a Different State Photo of Lance Cothern Lance Cothern 7 Factors to Consider Before Retiring in a Different State After decades of hard work and diligent saving, you’re finally about to retire.... 5 Ways to Invest in Gold for Portfolio Diversification Photo of Lance Cothern Lance Cothern 5 Ways to Invest in Gold for Portfolio Diversification Gold is a physical asset in limited supply. There is only so much gold that exists... What is the Cash Surrender Value on a Life Insurance Policy? Find out what the cash surrender value means in relation to your life insurance policy and the different ways that it can affect your policy and your finances. How to Open a Brokerage Account for a Child to Invest Find out how parents can open a brokerage account for a child to begin investing in stocks, mutual funds, bonds, and other securities. Best Life Insurance Options for Seniors: Get a Policy at Old Age Photo of Lance Cothern Lance Cothern Best Life Insurance Options for Seniors: Get a Policy at Old Age Sometimes seniors feel the need to purchase life insurance. Whether you want to... Should You Pay Off Your Mortgage or Save for Retirement First? Photo of Lance Cothern Lance Cothern Should You Pay Off Your Mortgage or Save for Retirement First? You’ve finally saved up enough money to fill your emergency fund and you’ve paid... Multiple IRAs: Why You Might Consider Diversifying Tax Benefits Find out about the pros and cons of having multiple IRAs - such as a combination of traditional and Roth IRAs -- for diversifying tax benefits.