In a perfect world, retirement would be simple, straightforward, never complicated by different laws or the archaic and ever-changing tax code, and certainly not a time to worry about money. Unfortunately, this is not a…
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Tax Efficiency in an Over-Taxed Climate
It might be too clichéd to mention the old adage about death and taxes, but much to our collective chagrin, that old cliché still rings true. No matter who is in office, which party controls…
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Investing in Turbulent Times
There’s an old saying that says what goes up must come down. While that saying might have been initially applied to the law of gravity, it applies to all sorts of things in life. From…
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The Truth About IPOs
Specific terms have the natural ability to capture the attention and imaginations of the investing world. Perhaps sitting at the top of that list is the “initial public offering” – most commonly referred to as…
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What Is My Retirement Magic Number and Why Is it Important?
While a crystal ball would undoubtedly make planning for the future much easier, the real world requires a more practical approach. For that reason, a retirement “magic number” has grown in popularity as a simple…
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The Importance of Diversifying a Portfolio
If keeping track of the stock market makes you feel like you’re seasick from being stuck on a boat in choppy waters, you’re certainly not alone. Market volatility – the inevitable ups and downs experienced…
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Is My 401(k) a Good One? 5 Things to Look For
Employer-sponsored plans, like 401(k)s, play a critical role in the retirement goals of most working Americans. Unfortunately, it’s not always clear whether or not your particular employer’s plan is a good one relative to your…
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How to Save for Kids College and Retirement
The question I get from a large portion of my clients these days is, “Should I save for my child’s college education or for my retirement?” It can seem like an impossible task to save…
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Social Security 101
Few government programs are as misunderstood as Social Security. Some of the confusion is understandable, considering the many moving parts within the program. However, Social Security is relatively straightforward at its roots as long as…
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Life Insurance Isn’t Just Strictly for Death Benefits
Over the last few decades, life insurance has evolved from the old-fashioned whole life policies made popular by your grandparents into a dynamic tool used in various financial planning applications. While still valuable for financially…
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