Financial Missteps
Personal finance, like just about everything else, is mainly common sense. Advice like “don’t spend more than you make...
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Control What You Can
The pain being inflicted by a diversified set of asset classes in 2018 hasn’t been witnessed since Don Mclean’s American...
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How to Effectively Use an Annuity
Annuities come in many different shapes and sizes but at the foundation they are an insurance product that issues some...
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Double Up Tax Strategy
We are in the last quarter of the year now and the holiday season is right around the corner. People are preparing by...
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Is Diversification Dead?
With recent wide performance differences between stocks (16.07%) vs. bonds (-4.00%), US (16.07%) vs. Non-US (-1.61%)...
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Active vs Passive Investing Debate
In my 13 year career as a financial planner I have not typically condemned certain products. All products have a purpose...
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What is Sustainable Investing?
Sustainable investing is the idea that businesses can provide a net benefit to our society through their services or...
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How to Reduce your Tax by Picking the way you Calculate Cost Basis
A simple way to reduce your tax liability can be to change how you calculate your cost basis on holdings that you sell...
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How to Take Advantage of the Tax Changes
With the new tax law comes lower taxes for some but it also changes the way you need to approach charitable giving if...
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How to Have Your Portfolio Last an Additional 7.5 Years
Most financial articles and research focus on the accumulation stage of retirement planning, involving what fund to...
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Consider Tax Loss Harvesting for Additional Return
The markets, represented by the S&P 500, had a wild ride last week, dropping over 10% for the first time in a while...
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Should you use Taxable or Tax-Free (Municipal) Bonds
Bonds come in many different shapes and sizes but one important aspect of them is their taxation. Some bonds pay a...
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