It’s time for your life insurance checkup… September is National Life Insurance Awareness Month, so it’s a great time to review your coverage.1 However, for many, life insurance can be a complicated subject to...
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How to select insurance coverage for your needs Evaluate your options to select what is right for you. Many people have misconceptions about Life Insurance. Some believe that it is more expensive than it actually is. Others think it is...
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Understand the fees and process of working with an advisor. Navigating your many financial options isn’t an easy task. Using a financial advisor can provide you with clear and customized guidance based on your current situation...
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Which one are you doing? The main difference between speculating and investing is the information behind the investment decision and the risk. It is no surprise that investors want to make a profit off of the initial capital invested...
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Should I invest in bonds right now? Is the big question on every investor’s mind. Bonds are known as the reliable workhorses of any portfolio. They exist to protect principal, building a foundation that investors rely on even...
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There is an old saying on Wall Street that the market is driven by two emotions: fear and greed. Although this is a simplification, it is often the case for many investors. Investing your hard-earned money can be scary and at the same...
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Any significant decision in life will bring with it an emotional component. This can be especially true when making financial decisions. When we let our emotions take control of our investing choices, we could end up making some less...
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WHAT IS DOWNSIDE LOSS and how to avoid it Downside loss is an unglamorous, but crucial, side of investing to consider when assessing for risk your portfolio. When the stock market rallies, investors are happy and believe they’ve...
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Reinvesting your interest earnings into your investments is a powerful way to maximize your return. The effect of compound interest on your investments is especially impactful over a longer time horizon. Compound interest is different...
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The CalSavers Retirement Savings Program is a rudimentary state-run retirement savings program for those working for a privately-owned business. If the business does not offer a retirement savings program and has at least 5 employees,...
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Don’t forget your 529 college savings plan contributions! Starting your college 529 savings plan is the first step to preparing for college. But to meet your deadline, regular contributions are key to growing your investment....
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WHAT ARE THE BENEFITS OF A FINANCIAL PLAN? Stop guessing about what could be in the way of your financial goals and start a plan of action. Everyone could benefit from a financial plan. While your situation and goals are specific to...
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There is the age old investing adage that if you want a greater return you must have greater risk. However, not everyone is comfortable with greater risk. As a way to ease into the markets, you may instead elect to follow a more...
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On March 25, the Senate unanimously passed a $2 trillion stimulus bill named the Coronavirus, Aid, Relief and Economic Security (CARES) Act (H.R. 748, as amended) and on Friday, March 27, the bill was signed into law. The $2.2 trillion...
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Now is a good time to remember that long-term investment goals tend to survive temporary market shifts. Any time you see a swing in the markets and a drop in your account balance, emotions are going to arise. Here are some steps on how...
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Enter 2020 with clarity about how you can reduce your taxable income As we enter a new year, many Americans are working hard to get their finances in order and prepare for upcoming goals. There are many tax planning strategies you can...
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What Can You Expect from Your Financial Advisor? There are a wide variety of financial advisors. They range from different levels of experience, to completely different business models. Whether you're saving for retirement or...
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Risk management is a key component of your financial planning. What is Risk Management? Risk Management is an important yet sometimes overlooked aspect of personal finance. By definition, “risk management is the process of...
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