Year-End Tax Tips for 2019

Immediate and Long-Term Tax Planning Tips Over the last two years, we have seen many individual tax changes that may have reduced some deductions, increased others and dramatically changed your tax return. There are still a number of tax planning strategies available and in this letter, we will remind you of a few. 401k The…

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What is an Asset Allocation?

Asset allocation is a common strategy that you can use to construct an investment portfolio. Asset allocation isn’t about picking individual securities. Instead, you focus on broad categories of investments, mixing them together in the right proportion to match your financial goals, the amount of time you have to invest, and your tolerance for risk.…

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Financial Tips for Unmarried Couples

If you are in a long-term, committed relationship, you have many of the same financial concerns as married couples. However, you lack many of the legal protections and advantages that married couples enjoy. Here are some tips that can help you and your partner stay on the road to financial security. Talk about your finances…

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What to do When You’re Suddenly Wealthy

What would you do with an extra $10,000? Maybe you’d pay off some debt, get rid of some college loans, or take a much-needed vacation. What if you suddenly had an extra million or 10 million or more? Now that you’ve come into a windfall, you have some issues to deal with. You’ll need to…

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2019 Q3 Market Commentary

During the quarter we saw two major market indicators, both with drastically different signals for market watchers.  The first and most publicized was the inversion of the yield curve.  There are many different measures for this; but in a nutshell, the yield on the 2-year Treasury note was higher than the yield on the 10-year…

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Trust Basics

Whether you’re seeking to manage your own assets, control how your assets are distributed after your death, or plan for incapacity, trusts can help you accomplish your estate planning goals. Their power is in their versatility — many types of trusts exist, each designed for a specific purpose. Although trust law is complex and establishing…

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Buying a Home

There’s no doubt about it–owning a home is an exciting prospect. After all, you’ve always dreamed of having a place that you could truly call your own. But buying a home can be stressful, especially when you’re buying one for the first time. Fortunately, knowing what to expect can make it a lot easier. How…

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Buying Supplemental Health Insurance: Medigap

Medicare won’t cover all of your healthcare costs during retirement, so you may want to buy a supplemental medical insurance policy known as Medigap. Offered by private insurance companies, Medigap policies are designed to cover costs not paid by Original Medicare, helping you fill the gaps in your Medicare coverage. When’s the best time to…

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Finding Money to Pay College Bills Out of Pocket

You’ve saved for your child’s college education through the years, helped your child research schools, and supervised the application process. Now, thankfully, your child is in college. But you probably can’t disappear just yet — there are still bills to pay. Maybe you underestimated exactly how much financial aid would cover. Or perhaps you knew…

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How to Identify the 10 Most Common Scams

In the digital age, all of our personal information can be found through a simple internet search on google. Public records are made available at the federal, state, county and city levels through the census and online property searches. Your information is easily retrieved through entering contests, mailing in warranty cards, filling out surveys, or…

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