News

11
Nov

Today’s Pre-Retirees: Financial Planning with a Contingency Plan

Financial planning with a contingency plan is a requirement for all those who expect to retire at some point. The demographics of retirement and a ‘retired person’ is rapidly changing worldwide. Over the past 200 years, there have been remarkable changes in health and wealth around the globe. Now, there is a converging demographic between countries, thanks to world aid

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4
Nov

Is Lowering Interest Rates Good for the Economy and the Markets?

In this article we look at the effect lowering interest rates can have on the economy and the markets. Interest rates can have a positive or a negative effect on the U.S. economy, the stock markets, and your investments. When The Fed changes the Federal Funds Rate (the rate at which banks can borrow money to lend to businesses or

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28
Oct

Do You Know Life Insurance Isn’t Just for Death Protection?

When most people think about life insurance, what usually comes to mind is settling final expenses and providing financial support for your loved ones or death protection.  That is what life insurance is commonly used for, but there are other benefits of life insurance other than for death protection:

21
Oct

Ensuring a Worry-Free Rollover of Your Retirement Savings Assets

The average American worker stays at a job only 4.2 years. Many had funded retirement accounts they’ve left with the employer’s plan custodian when they moved to a new job. Leaving retirement savings at multiple employers can create higher investment costs to keep the account in former employer plans or create an inconvenience to maintain and rebalance.  This drawback may

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14
Oct

Tax Planning and Your Investments

‘Tax planning’ is left to federally-authorized tax practitioners. They prepare tax returns and defend clients pursuing relief from federal agencies for their own tax payments. They also dispute tax payment errors. Financial advisors don’t provide tax advice. They provide information on the tax consequences of specific investments they sell or recommend to clients. This type of advice is within the

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7
Oct

The Legitimate Value of Financial Advice

The financial advice industry has changed for advisors with a fiduciary financial planning emphasis in their practice.  These advisors have chosen process over product for the benefit of their clients. Additionally, new regulations, technology-enabled efficiencies, and fee compressions will continue to influence the advice industry. They could ultimately lead to higher client satisfaction and asset growth through relationship management.  No

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26
Sep

Considering Buying a U.S. or Foreign Vacation Property? Be Tax Aware

With real estate prices recovering to where they were pre-2008 in most of the U.S; many people are buying U.S. vacation homes, and homes abroad for various reasons. The appeal of international vacation property is at an all-time high as property overseas continues to cost less than near home, even in high-destination areas. A growing trend among younger Americans (Generation

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16
Sep

Is Your Business Ready for Liquidation?

At some point, a successful business faces liquidation for all the right reasons. The business owner has built an asset that is now positioned to sell to another individual, a group of investors, or be acquired by a large corporation. Perhaps as the business has grown, planning has revolved around liquidating; however, often the liquidation plan hasn’t been put in

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9
Sep

Social Security Q & A: Do You Know Everything About Social Security Retirement and Death Benefits?

How is my social security calculated? Social Security is calculated using your 35 highest paid earnings years and then averaged using the benefits calculation formula. You must have worked full time for at least ten years even to qualify to receive any social security retirement benefit. Currently, full retirement benefits age is between age 66 and 67 (October 2018). More

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2
Sep

Are You Hurting Your Chance for Life Insurance Approval?

If you need life insurance, be aware that there are hobbies, professions, and circumstances that will hinder your chance for life insurance approval even if you’re healthy. An insurance company examines not only your health but also your personal history to determine if you’re insurable or an insurance risk: