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Friday, April 26, 2019

Here are some tips to help you lessen your tax burden at the end of the year. First, be aware of any tax changes that will take place in the new year so you can use them to your advantage. Review your cost basis so you can make...

Friday, June 22, 2018

Many people believe Social Security will pay for their retirement, but Social Security was designed to be just a complement to a pension and investments. So don’t rely only on Social Security for your retirement because it...

Sunday, May 20, 2018

You might be asking yourself, “When should I retire? Should I retire early or defer it?” Deciding when to retire may not be just one decision, but a series of decisions and calculations. For example, you’ll need to...

Tuesday, May 15, 2018

As we near retirement, the ability to recoup investment losses becomes critical. Therefore a strategy to reduce risk as you near retirement should be targeted. Target Date Funds, which are usually mutual funds, self-adjust their...

Tuesday, April 3, 2018

Life insurance has two values: a death benefit and a cash value. If you no longer need or can afford a policy it may be sold to a third party. It may be worth more than the cash value but less than the death benefit. As the policy...

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Wednesday, March 21, 2018

The death of a spouse is one of the most devastating events of a person’s life. During this difficult time, do not make any major financial decisions right away. Allow yourself time to only deal with the emotions of your loss....

Wednesday, January 31, 2018

If you’re like most people, most of the time you focus your financial efforts on maximizing your current income. But it’s also important to plan ahead for the benefit of your spouse if you should pass away. Here are some...

Thursday, December 28, 2017

A retirement income plan is needed because life changes in retirement. Your retirement plan should account for every year in retirement, even past your life expectancy. For each year, make a list for you and your spouse that include...

Friday, December 15, 2017

Here’s how laddering works. This strategy is based on the investment principle that the longer you commit your money, the higher your rate of return will be. For instance, A 5 year CD pays more than a 1 year CD. A ten year...

Tuesday, November 28, 2017

Divorce has a psychological, emotional and financial impact on an entire family. The financial impact can be considerable as income changes and costs for support rise. Be prepared. Statistics show that only 42% of custodial single...