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Don’t Just Show Up

When planning your finances, you need to consider all the elements and situations that may impact the success of your plan. Will your children be attending college? What is your retirement age? Do you expect to switch careers in the near future? Are you planning on downsizing? Those are just a few questions to get you thinking as […]

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Tax-Free Retirement

 We all know that the U.S. Government is $17 trillion in debt and has made trillions of dollars in Entitlement promises for which it has no money to pay. Forgive me if I don’t trust politicians not to come after my hard earned income and savings with new or higher taxes in the future to […]

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Should a Stock Market Drop Worry You?

  Last week, the stock market had its worst week in quite a while, including a 300 point sell off for the Dow. Is the next “correction“ finally underway for the  market? When people talk to me about “the market,” why is it they usually mean the U.S. large company indexes?  I guess they believe […]

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Two Emotions Kill Your Investment Returns

In 2014, resolve not to “time the market”. “Time in the Market” is one key to long-term investment success. When you look at the chart below you will see just how bad retail (non-professional) investor’s performance is compared to what they could have made had they only been “buy and hold” investors.   THE NUMBERS […]

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Better Alternative to Long-Term Care Insurance

Any retirement plan worth a grain of salt addresses the potential cost of long-term medical care.  You or your spouse are very likely to need some sort of personal help getting along during retirement. Whether the help comes to your home or you live in an assisted living facility, the potential cost is VERY high. […]

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Perks of Getting Older

Last weekend, I had the pleasure of going to the wedding for one of my childhood best friend’s daughter.  This was my first wedding for a peer’s child and I guess it is just another milestone to indicate I am getting older. Does getting old stink?  I guess in some ways it might, but in […]

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Are upcoming health plans for you?

When the Patient Protection and Affordable Care Act starts rolling out in October, it will overhaul how Americans get health care coverage. You will find yourself in a maze of different options.  I came across this article in the Sunday Chicago Tribune this past Sunday.  Hopefully it may be a start to assist you in […]

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Why I Prefer Stocks to Bonds

For the past 30 years, interest rates have been moving down and bond prices have been going up.  Now, interest rates are at a level when the best case is they “stay flat” as there is not much room to go any lower. With the low-interest rates that bonds offer these days the return proposition […]

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Why CFP® Certification Matters

Most people think all financial planners are “certified,” but this isn’t true. Anyone can call himself a “financial planner.” Only those who have fulfilled the certification and renewal requirements of CFP Board can display the CFP® certification marks, which represent a high level of competency, ethics and professionalism. CFP Board’s Standards of Professional Conduct require […]

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