When you leave a job or prepare to retire, you have options for your old 401k plans. The great thing about a 401k retirement savings plan is that most plans are portable when you leave a job. You have several options...
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Despite the current market volatility, the best guidance may be the simplest: step back, look at the big picture, and avoid any hasty decisions...
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If you’re like most business owners, you’ve treated your company like a member of the family. So what happens to it after you’re gone? Any solid financial plan will include some kind of estate planning...
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Pursuing a sound financial strategy doesn't have to be overwhelming. Educate clients and prospects on solid investment principles with this helpful whitepaper that includes bite-sized pieces of timeless financial advice...
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The proverb “rags to rags in three generations” means that oftentimes family wealth does not last for very long. The first generation makes the money, the second spends it, and sadly, the third ends up seeing none of the wealth.
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Build an investment strategy that reflects your goals, time horizon and risk tolerance.
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Whether using artificial intelligence or human brainpower, the right financial advisor will help find the best investments for your personal portfolio.
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When it comes to market rebounds, “Fear Of Missing Out” can be perfectly rational – and avoidable. There’s a simple rule of gravity that every child learns: What goes up … must come down. Every...
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The recent bank closures have raised some questions with investors about their own funds. While it does not appear that these closures will be a systematic risk to the economy, it is still a good opportunity to understand your asset...
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Figuring out retirement choices can be a little intimidating. How do you pick the most appropriate retirement plan for you? There are a number or choices and pros and cons to each option. Take a look at our infographic to help you decide.
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Most people don't realize the high chance they have of needing this care and how expensive it is. Failing to plan for this expense can derail your retirment plan.Since long-term care is typically not covered by traditional health...
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A new law is set to change the way we plan for retirement – and especially the relationship between your prepaid tuition plan and your Roth IRA...
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A donor-advised fund can maximize how your donations are working for causes you care about.If you’re at all interested in charitable giving, then there’s a good chance you’ve already heard about donor-advised funds....
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As the name indicates, Separately Managed Accounts (SMAs) are a professionally managed portfolio of securities. These accounts are similar to an ETF or mutual fund in that they have a variety of securities within them. However, a SMA...
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People mourning a loved one already have a lot on their minds — especially if that loved one is you. Even the simplest things can feel like steep challenges, so one of the best investments you can make for your next generation is...
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If you’ve got concerns about your college plan, we’ve got answers to common questions. Education is perhaps one of the best investments there is, since it opens up a whole world of future potential. By...
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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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SECURE 2.0 has the potential to transform the way American employers and employees manage retirement plansA new law is set to change the way retirement works for you and your employees. It’s known as the Securing a Strong...
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Few topics lead to as much disagreement between today’s savvy investors as cryptocurrency. Some true believers will shout from the rooftops that it’s the money of the future and the future of money. Some cynics will just...
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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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Merger arbitrage, otherwise known as risk arbitrage, is a lesser-known investment strategy among the general investing public…
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As the internet constantly evolves and expands, more and more people are increasingly shopping online, storing their information in the cloud, and doing business virtually. As our lives become more complicated, cyber-crime continues…
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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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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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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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