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Why I Became a Financial Advisor

I became a financial advisor because I love to help people reach their financial goals and dreams. Most people really do not know where they stand relative to their most important financial goals. For instance: When can you afford to…

Retirement Planning Post-Covid Shutdowns

How does your retirement plan look now? While many people have been financially shaken up by the government shutdown reaction to the Covid-19 virus, we all have to look forward to our future. These 5 Habits Literally Add Years to Your Life,…
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Will You Have Enough Money to Retire? Benefits of Online Financial Planning

Will we/I have enough money to quit (RETIRE) my current job? It's the million-dollar question. If so, what choices will we have if we quit? If you're ready to examine this and want to do it while at home then you should know you can do…
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Winners From the 2010's

The most popular articles from my blog from the 2010's: THESE ARE THE BEST OUT OF OVER 200 ARTICLES! HUGE Trend here: readers prefer real life stories, commentary and advice rather then financial definitions or terminology.  The relatable…
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Are Your Mutual Funds Worth the Expense?

One recent analysis saved a widow about $24,000 per year in hidden mutual funds fees that were delivering below par results. That was the result of our fee savings analysis based on a $1.9 million dollar portfolio. We did this review for a…
Private Pension
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Is a Private Pension in Your Future?

With CD's paying next to nothing, we need some creative ideas to generate more income during retirement... Creating your own pension may be an attractive option for you. Most of us have a notion on what a “pension” is, as you or someone…
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Do You Have Financial Peace of Mind?

Do you have financial peace of mind? You are where you are today because of the decisions you have made in your life. We usually get what we deserve in life.  When it comes to money, how you handle your monthly cash flow is the single most…
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How Seniors Can Make Tax-Free Charitable Deductions (QCD's)

If you or your parents are at least 70 1/2 years old and make charitable gifts than this article could save you a lot of income taxes. The 2017 Tax Cuts and Jobs Act made a special gifting strategy especially attractive for seniors making charitable…
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What's the Key to Relieve Anxiety Over Stock and Bond Price Drops?

Wild swings on Wall Street may be causing anxiety for many investors. FEAR is REAL, especially when you have little idea how portfolio drops will impact your financial plan. Investors Without a CFP® on their team are Anxious Over Stock…
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Roth Conversion Super Attractive Now For Many People

Roth conversion's are worth a close look now, especially after new tax law. Whether you are retired or not, this may be a great time to convert Traditional IRA (including those 401k rollovers) to Roth IRA's. Why now? The New Tax Law. These…
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How Objective Is Your Financial Advisor?

Chances are if you have a financial helping hand that person calls them self financial advisor, financial planner, wealth manager or broker. There is also a good chance that at the office, they are known as "producers". I mean they have…
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Financial Wellness - Affordable New Employee Benefit

….And now they can have one as an Employee Benefit My Partner, Cris Kalivas, CFP® and I have a mission to make financial planning available to the masses. Our new company RK Financial Wellness has bundled some of the software that…
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How to Inspire Your Child to Grow Serious Wealth!

Wealthy habits are learned. From an early age kids figure out what money is (a medium of exchange), and are seemingly always asking their parents for more. Out of love, parents these days (my hand is raised) usually spoil their children way…