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Roth IRAs: Three Huge Benefits Thumbnail

Roth IRAs: Three Huge Benefits

If I could only contribute to one retirement account for the rest of my working career, it would be the Roth IRA/401k. Although there are many benefits to a Roth IRA, there are three benefits that I find to be most intriguing. On top of the benefits I lay out below, you will be pleased to hear that in recent years employers have made the Roth 401k more accessible and the contribution limit on Roth IRAs has been increased!

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What Your Golf Game Can Teach You About Investing	 Thumbnail

What Your Golf Game Can Teach You About Investing

I spend most of my day sitting at my desk or in a conference room, and the closest thing I get to exercise is when I skip out of the office early to play a quick 9 before heading back home. As I sit here and look out my office window at the beautiful, sunny, 70-degree day we’re having it has me thinking: How can golf help with money management? So I have come up with a couple of different points that I think can put some perspective on financial planning.

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“Inflation” – The Financial version of Carbon Monoxide Gas Thumbnail

“Inflation” – The Financial version of Carbon Monoxide Gas

For those who know me or work with me, they know I love analogies. The reason I love analogies is that they can take complex ideas and concepts (especially when it comes to finance and the markets), and make them easier to understand by comparing them to something that may be better understood by the person you are speaking to. When it comes to inflation the analogy I often use is Carbon Monoxide Gas. Inflation, like carbon monoxide gas, cannot be seen, smelled or tasted, but it can kill you!

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2019 Fourth Quarter Market Update Thumbnail

2019 Fourth Quarter Market Update

Let me start by reminding you that at the end of the 3rd quarter our biggest concern was the lack of progress on a trade agreement with China. I believe this was starting to have an impact on the economy and was certainly a hindrance to the market. I was optimistic markets would respond positively with progress on this topic as they had in the past. I was also skeptical that the timing of any sort of resolution could be predicted. Since then, a “Phase One” trade agreement has been announced and it is scheduled to be signed January 15, 2020. “Phase One” was announced on October 11, 2019, and as you can see from the chart below, markets responded very positively.

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How Financial Advisors Are Paid, and Why It Matters	 Thumbnail

How Financial Advisors Are Paid, and Why It Matters

There are a few ways that a financial professional can operate their business. This article outlines 4 of the major business structures in the financial industry, and tells how your advisor’s compensation might look in each structure. Understanding the structure of your financial advisor’s practice will help you understand the way they approach their clients and the advice they provide.

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Secure Act: What You Need to Know Now Thumbnail

Secure Act: What You Need to Know Now

In its second time in as many years there has been legislative changes that will have an impact on the retirement planning landscape. Accompanying the Tax Cuts and Jobs Act of 2017 which was signed into law on December 22, 2017, the Secure Act...

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Protecting and Insuring the “Marital Roles” When It Comes to Finance	 Thumbnail

Protecting and Insuring the “Marital Roles” When It Comes to Finance

I meet and work with people over a broad spectrum of ages, cultures, and lifestyles. They say as a “teacher” you tend to learn as much, if not more, about people and financing than you teach. Nothing could be truer than this over the 13 years I have been consulting people on life and finances. When it comes to married couples, like any “team”, there are roles that must be taken on by both spouses to support the greater good of the team.

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Election Years:  What Do They Mean for Stocks? Thumbnail

Election Years: What Do They Mean for Stocks?

It is no secret that 2020 is an election year. It is hard to escape all the buzz. We are constantly bombarded with opinions from social media, TV and radio. In this article, I would like to focus on facts; facts about how markets have performed historically during election years. I will do my best to set my opinions aside so we can take an honest look at what history can tell us about election years. I think the best way to do this is to ask (and answer) additional questions. Here we go!

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Consumers Benefit As ETFs Change Wall Street Thumbnail

Consumers Benefit As ETFs Change Wall Street

The recent news from Charles Schwab, TD Ameritrade, and E-Trade that they will be reducing commissions on Exchange Traded Funds (ETFs) and Stocks to $0 is huge news. The road to $0 commissions (transaction fees) has been a long time coming. From the birth and proliferation of the discount broker in the 90s, transaction costs have been shrinking.

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The Importance of Financial Literacy and Its Influence on Our Lives Thumbnail

The Importance of Financial Literacy and Its Influence on Our Lives

From where did you learn most of your life skills? How did you learn to brush your teeth, read, write or drive a car? For me, it was my parents and school. What if there were something that affected just about every facet of our lives that our parents had limited knowledge of and was hardly covered in school? I am referring to Finances. Finances are consistently listed as one of the top reasons for divorce and money is one of the biggest causes of stress for Americans.

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