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What Clients Regret Most

In order to achieve ones goals, a partnership between a client and financial advisor is critical. Many clients regret some of their expenses before retirement and almost all wish they had saved more so they could retire more comfortably. It is not our job as advisors to tell our clien
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Delay or Not to Delay Social Security?

Most people take their social security when they “retire” and in many cases this is not the most optimal strategy. Social security provides an 8% annual increase in benefits each year after full retirement age. This plan was developed when people were not living as long as
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Company Stock Ownership Risks Typically Outweigh the Reward

Many people acquire shares of the own companies stock over their careers and some even invest in additional shares in their retirement plans. Concentration risk is real, ask the employees of Enron. A seemingly great company’s shares could suffer a significant loss in value while
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How does hunting and gathering relate to investments?

It’s never too early to start thinking about investment planning. As financial planners, it is our goal to ensure the success of our clients through our planning process. We aim to make investment planning simple for our clients so that they may achieve their goals. Start prepar
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Stressed About Retirement? You are not alone.

The concept of retirement is an ever-looming and constant thought throughout the working world. However, the idea to start saving for retirement is often delayed to later in ones career. Even those who start early and accumulate significant wealth are stressed about retirement. Below
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Market Volatility May Be Returning (Don’t Overreact)

Visual Text Did you know that the stock market experiences a correction (greater than 10% decline) in almost every year? 2017 was the exception and not the rule when it comes to normal volatility in the stock market. Is the recent weakness in the market the sign a correction is coming
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January 2018 Market Update

During 2017, the market experienced an unusual year with the gains for equities being the strongest since 2013. The most unusual part of the year for equities was the lack of volatility as the S&P 500 did not experience a single drop of more than 3%, which is extremely rare. The
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Required Minimum Distribution Basics

At age 70 1/2, you must take distributions from most of your retirement accounts with a few exceptions . Below is an article that explains the rules and discusses some interesting strategies that could save you on taxes in the future. http://www.wealthmanagement.com/retirement-plannin
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How to Allocate Your Income

Asset allocation is a critical step to investing, however it is just as important to allocate your income appropriately. How much should you spend versus save? How much of those savings should be used to pay down debt? How much cash should I hold vs invest? Below is an article that di
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How Much Should I Help My Adult Children?

We all want to provide our children with the best chance to succeed in life, however is critical not to neglect retirement savings. Below is an excellent article explaining why we should secure our retirement before helping our children: http://www.chicagotribune.com/business/success/
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