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Why the IRS May Be the Biggest Benefactor of Your Retirement Investments Thumbnail

Why the IRS May Be the Biggest Benefactor of Your Retirement Investments

As a financial and retirement planner, I have learned that people hate paying taxes. The truth is, the history of taxation is a complicated one full of wars, audits, jail time, and factions of society that were created in rebellion to the idea itself. To make things worse, the “rules” laid out by the IRS when it comes to tax are extremely complicated, ever-changing, and leave a ton of room for discretion. So, how might one go about reducing or entirely removing the IRS as a benefactor to their retirement investment they have worked so hard to save?

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2021 Second Quarter Market Update- Let's Talk About Inflation Thumbnail

2021 Second Quarter Market Update- Let's Talk About Inflation

Following an explosive 9 month run, small cap stocks slowed their pace of growth allowing large cap stocks to nearly close the gap for the year. Meanwhile, international markets underperformed U.S. markets. This is not surprising. To many other nations, the U.S has had a fairly productive vaccine rollout and therefore many components of the U.S. economy are back to a semblance of normalcy. As international stocks become even cheaper (relative to U.S. stocks), at some point that may present investors with an opportunity.

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The Fiduciary Duty Explained: What it Means for Investors Thumbnail

The Fiduciary Duty Explained: What it Means for Investors

The word “Fiduciary” gets a lot of attention in the financial services industry. But what exactly is it, and what does it really mean for investors? Generally speaking, a fiduciary is someone acting on the behalf of another, usually in some kind of legal or financial capacity. Some examples of fiduciaries may include attorneys, trustees, estate executors, and accountants. In the financial services industry, Registered Investment Advisors (RIAs), like Financial Strategies Group, are held to a fiduciary standard by the United States Securities and Exchange Commission (SEC). This requires the RIA to act in the best interest of their clients and put their clients’ interests ahead of their own at all times.

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How to Enjoy Retirement and Still Provide a Legacy Thumbnail

How to Enjoy Retirement and Still Provide a Legacy

For retirees that wish to truly enjoy their retirement but still want to provide a legacy, setting priorities and finding a balance will be key. Most would agree that ensuring one's stability in retirement should be the top priority. The first step to ensuring you can enjoy retirement is to make sure you have enough money saved in the right type of accounts to make this happen.

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When It Comes to Achieving Investing Goals... Objective is Everything Thumbnail

When It Comes to Achieving Investing Goals... Objective is Everything

If I asked you what your objective is when it comes to investing, what would your answer be? In my years as a financial advisor, I have found the answers I have gotten to this question to be far too broad to be meaningful. Whether it is “retirement,” “saving for my children’s college education,” or (the worst answer) “making money”. When it comes to anything in life, including investing, your success is in the details.

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The "B" Word Thumbnail

The "B" Word

No, I’m not talking about that “B” word! I’m talking about that curse word known as a BUDGET. I commonly refer to your budget as “Lifestyle”. Now, I’m not talking about a budget in the sense that everyone has to have an itemized spreadsheet or spend countless hours a week micromanaging transactions. In generalities, a budget is having an idea of how much income is coming in and how much in expenses are going out. At some point, you will need to carefully manage income and expenses, so why not start practicing today?

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Sign of the Times Thumbnail

Sign of the Times

After a recent phone call from my 21-year-old son, I realized that some things never change. With the advancements in technology, it has never been easier to invest with an account on apps like Robinhood, SoFi, and Stash. Many of my son’s friends (Gen Z) are using these platforms on their quest to get rich quick and retire early. For young inexperienced investors, I equate this to the euphoria around the tech bubble of the 90s or even certain pyramid schemes.

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2021 First Quarter Market Update- Small Caps and Big Comebacks Thumbnail

2021 First Quarter Market Update- Small Caps and Big Comebacks

For a long time, many of our portfolios have had a slight bias towards small cap stocks (stocks with a total market value under two billion dollars). Sometimes this bias helps performance and sometimes it hurts. We believe that over the long term, in exchange for a small amount of additional risk, small cap stocks will provide better returns than their large cap counterparts.

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