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Why Retirees Would Want Life Insurance

If you have a desire to leave money for your spouse or kids, life insurance is the best asset to leave them.  Notice I said “asset,” not  ”investment.” At death, don’t investments morph into just another asset? I think so and I try to convey this to my clients. Life insurance is not an investment, […]

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Is Your Retirement Plan Aligned With Your Life Expectancy?

BETTER HAVE MORE MONEY Great news: people are living longer and healthier lives than ever before! Bad news: this means we need more money to allow for those additional years. It would be much easier to plan if we all knew the age at which we would die and worked backward from there.  LONGEVITY RISK IS […]

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Your IRA or 401k Balance is Not all Your’s

Your IRA or 401k is partially yours and partially the property of the IRS. Unfortunately, the IRS doesn’t tell you what they get until you make a withdrawal. RETIREMENT PLAN REALITY CHECK IRA Balance               Marginal Tax Rates               Yours       […]

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BradRosleyebook

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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3 Mistakes to Avoid in Retirement

Good planning can make life easy on retirees.  Unfortunately, many people wait longer than they should to start planning.  If you are wondering where to start or what you should review read about these three key mistakes that you should want to avoid: 1. Investing only in bonds or CD’s to generate income. This mistake […]

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Spoiling Kids Could Make Them Rotten and you Poor

Kids have always been sponges when it comes to learning from their parents. As an adult, I can reflect on what I learned from my mom and dad. I admit (and am proud of) that I’m a lot like they were/are.  Unfortunately, I’ve spoiled my kids more than I should have and am paying the […]

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A Million Dollars Doesn’t Go as Far as it Used to

As a kid, I dreamed of being “a millionaire”.  I figured I would be a professional athlete and make $100,000 per year, buy a mansion for my family to live in and be famous.  Back then, (early 1970′s) it was a BIG DEAL to earn $100k in a year.  Pete Rose, the all-time baseball hit […]

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