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When to Realize Capital Gains and Rebalance Your Portfolio

Since March 2009, the S&P 500 index has risen from a low of 683 to 2,163 as of July 19, 2016. This is a Compound Annual Growth Rate (CAGR) of 16.9%. Over that same time span, Apple has risen 33% CAGR and well established GE has grown at a 23.2% CAGR. The current Bull Market…

411 on Savings

We all know that we need to take care of our physical health, and the steps to take are usually pretty clear – incorporate healthy habits, have annual checkups, etc. Sometimes the path to financial health doesn’t seem quite as clear. Like your physical health, your financial health requires focus and an ongoing commitment to…

What’s the Rush?

You have just secured your first job with benefits. College, or the entry level job(s) that brought you here are still fresh and close in your burgeoning career’s rear-view mirror. What is the most important thing you can do to help yourself? Sign up immediately for 401(k) participation. 10%. No questions, write it down on…

Status Quo Bias

You have a mortgage, a spouse, two kids and a cocker spaniel. What you don’t have yet is a clear path to retirement, an event that no longer seems quite light years away.  But as far as savings, well, other things have taken priority. And now, on top of that, the market looks shaky, or…

Don’t Put the Brakes on Investing

Experience is said to be the hardest kind of teacher. It gives the test first, and the lesson afterward. At the later stage of your career, or even the early part of retirement, this is something that we all have learned. Investing is an area where you likely have had many experiences, both good and…

Power of Attorney & Health Care Proxy: Are You Prepared?

There are a number of important items to contemplate when it comes to estate planning; wills, trusts, beneficiary designations, etc. However, there are two essential pieces of your estate plan that are often postponed until it’s too late. Power of attorney (POA) designations and health care proxies are imperative in the event that you are…

Health Savings Accounts Offer Triple Tax Benefit

Most people are aware of the benefits of saving through a 401k, 403b, Individual Retirement Account or Roth Retirement Account. Much has been written about ensuring you take full advantage of a company match in a 401k should your company offer a match. To not do so would be akin to rejecting a pay raise….

Tax Tips: Medical Expenses & Selling Your House

As you reach retirement age, many people have larger medical expenses or sell their home. It is important to understand how these life events can affect your taxes. Here are some tax tips on what you need to do if you have large medical expenses or sell your home. Medical and dental expenses Medical and dental…

Tax Tips: College and Divorce

Major life events can change your tax filing status and may qualify you for benefits that you were not eligible for in previous years. It is important to understand how life events can affect your taxes. Here are some tips on the tax benefits for higher education and tax changes due to a divorce. College…

Tax Tips

Getting Married, Buying a House and Having a Child If you will experience a significant life change this year like getting married, buying a house, or having a baby it may change your tax filing status or qualify you for additional benefits. It is important to know how this change can affect your tax return….

The Importance of a Will

A critical question that your Financial Advisor should ask a client is “Do you have a Will?” While no one likes thinking about dying and would rather avoid the subject, having a Will—or an updated Will—is very important to most everyone. So, why do I need a Will? The simple answer is having control. If…

Retirement Income Stream

As I plan for my approaching retirement, I’m making a list of the things to consider for retirement planning. There are a myriad of facets to be considered with regard to my pension benefits. Here are some of the items that I have been addressing … First, I need to confirm my Social Security benefit….

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