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On Target Financial


5301 SW 7th Street, Topeka, KS 66606


Phone:  785-272-5000

Fax:      785-272-6725


Joseph G. Prokop, CFP®, CRPC®



May/June 2023

All About Inflation

All it takes is a weekly trip to the supermarket or your favorite department store to know that, after several years of low inflation, the purchasing power of your money has declined significantly.

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Should You Buy a Disability Policy?

According to Social Security Adminstration statistics, one in four 20-year-olds will become disabiled before reaching retirement age. A disability insurance policy is designed to replace a portion of your income if you become ill or injured and can't work.

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Will Your RMDs Trigger Medicare Surcharges?

There are benefits of saving as much as possible in your employer’s tax-qualified retirement plan. Your taxable income is reduced by the amount you contribute and your savings has the potential to accumulate tax-free until you’re ready to withdraw it in retirement. But why didn’t anyone tell you about IRMAA?

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Estate Planning for the Younger Crowd

If you are in your 20s or 30s you may not have given thought to estate planning. However, creating a basic estate plan may help protect you if the unforeseen happens.

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The Name Game

Here’s a snapshot of the important documents and accounts you’ll need to update if you have moved or changed your name.

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If your child will start college in 2024, you’ll want to submit a FAFSA when the form becomes available on October 1, 2023.

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What You Need to Know About Bond Funds

During an unsettled economy, investors often turn to bonds as a hedge against fluctuating stock values. While bonds can offer a buffer, they may not provide returns that outpace inflation, bond funds still can play an important role in your portfolio.

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Investment advisory services offered through Cambridge Investment Research Advisors, Joseph Prokop, Investment Adviser Representative. Cambridge and On Target Financial are not affiliated.
On Target Financial and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.

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