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How to Build a Financial Safety Net for Financial Security

In Marvin Gaye’s cool jam, “Trouble Man”, he sings, “There are only three things for sure, taxes, death, and trouble, oh this I know.” Financial advisors help us avoid taxes, and life insurance policies protect our families’ finances from unexpected death, but how do we prepare for trouble? I start every financial plan with the […]

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Risk-averse Investors Versus Risk-seeking Investors

In last month’s article, we explored the relationship between financial planning and investment management, and how any investment necessitates a well-defined financial plan to determine the investment time horizon. This time horizon dictates the ability to take risks, and this month we will talk about a saver’s willingness to take risks. A person’s willingness to […]

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Understanding Your Willingness and Ability to Take Risks

In Sinatra’s classic pseudo-limerick, “Love and Marriage” he sings, “Love and marriage, Love and Marriage, Go together like a horse and carriage. This I tell you, brother, you can't have one without the other.” Maybe you can in 2023, but you definitely cannot have a sound investment strategy without a solid financial plan. When choosing […]

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3 Ways to Keep More of What Your Investments Earn

Last month we discussed the importance of asset location. For assets located in taxable brokerage accounts, focusing on after-tax total return, rather than simply total return, can add significant value to your net worth over time. Let’s explore the short- and long-term capital gains rates, qualified dividends, and tax-loss harvesting. Unlike traditional IRAs, where the […]

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Asset Location

You’ve probably heard the phrase, “The three things that matter in property are location, location, location.” Similarly, when optimizing your investments to maximize after-tax returns, you should emphasize asset location. Today we’ll explore three types of locations or accounts: Traditional IRA, Roth IRA, and taxable brokerage account. A traditional IRA is funded with pretax dollars, […]

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Debt Management

The adage goes, “A penny saved is a penny earned.” Most people think about this when budgeting their expenses but they should also consider it when managing their debt. Not everyone realizes that paying down a 20% credit card balance contributes the same value to net worth as earning 20% on investment. It does! Let’s […]

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Should I Get a Financial Advisor?

Without writing out all four letters of the most satisfying and versatile curse word, Urban Dictionary defines “eff you money” as: “An amount of wealth that enables an individual to reject traditional social behavior and niceties of conduct without fear of consequences.” I often hear the misconception that only people with this level of wealth […]

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For it is in Giving that We Receive

In Charles Dickens’s timeless classic, A Christmas Carol, two gentlemen approach Ebenezer Scrooge in his office and say: “At this festive season of the year, Mr. Scrooge, it is more than usually desirable that we should make some slight provision for the Poor and destitute, who suffer greatly at the present time.” Indeed, many of […]

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ESGenius

Environmental, Social, and Governance (ESG) investing, once a niche offering, has pushed itself into the forefront of institutional and retail investment strategies alike. ESG encompasses several, often very different, investment philosophies. We’ll define a few here, discuss whether ESG should play a role in your portfolio, and make you feel like an ESGenius. ESG investing […]

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