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Social Security Reset May Go Away
(General/Articles)
Sometimes things are just too good to be true. We have been talking with our retired clients recently about paying back Social Security benefits – interest and penalty free - that they may have started ...
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There Ain't No Cure, But Is There An Upside To The Summertime Blues?
(General/Articles)
... is that many existing adjustable rate mortgages are adjusting sharply downward, to record levels this summer, an involuntary, automatic “mortgage modification program” for many beleaguered borrowers, accomplished ...
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A Tax To Prepare For
(General/Articles)
... Section 1411). It would be easy to just wait and see how this affects you but there may be some planning opportunities to discuss with your advisor. But first, let me define the issue. In 2013 the law ...
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What is Your Long-Term Care Plan?
(General/Articles)
... fast and many people have not had a discussion with their family about what their long-term care plan is. A long-term care plan, in my mind, is about your health care, not just insurance. Health ...
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Estate Tax Trouble in 2010
(General/Articles)
... decedent’s adjusted cost basis. Compounding the harm of losing the traditional step-up is the retention of the step-down in cost basis rule for property that has lost value at the time of the decedent’s ...
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Good Financial Plans Need Slush Funds
(General/Articles)
... not doing well, people spend less. This is not profound but it does have profound consequences. In the last two years I have heard many say they wanted to take advantage of an opportunity but just did ...
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Retirement Is About Living Longer
(General/Articles)
I am always struck by the number of people (my friends included) who talk about retirement as some "end of life" event that they are just waiting for. People with longevity will tell you they think very ...
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Identity Theft 101
(General/Articles)
... companies quickly; so have the information close at hand. There were many more than this but it is also important to note that just paying attention is half the battle. Paying attention means not ...
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Will You Still Get Goose Bumps When CDs Are Gone?
(General/Articles)
... it to sound. Yo Yo Ma should sound as if he is right there in your living room, performing just for you. You should feel the texture of his bow moving across his cello strings. A good audio system will ...
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Estate Planning Mistakes
(General/Articles)
... call your attorney back and find out what steps need to be taken. Keep in mind most attorneys just assume you have completed this part on your own. Third, know the law, because when it changes you might ...
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Is Buy-and-Hold Dead in 2010?
(General/Articles)
... no sense - just look at Enron. But assessing your risk tolerance and age and then buying a mix of assets that represent equities, bonds and cash puts you in a great position to hold the right things. ...
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Can I get a copy of your ADV Part II?
(General/FAQ)
... (952) 844-2500. If you would also like to schedule a meeting, just let Jon know. ...
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Who will I work with in your office?
(General/FAQ)
... we would always encourage you to contact a shareholder. We will never relegate clients to being just numbers. ...
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Multiple Retirement Options
(General/Articles)
... have been the ones that have realized that part-time work is just another phase of life that can actually make "retirement" more fun than ever. In fact, those that work part-time are often doing it in ...
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Meet The Team
(General/About)
... just give her a call. Tara grew up in Bloomington, Apple Valley and Bemidji, Minnesota, but she calls Virginia/Mt. Iron, Minnesota home. Tara’s interests are many – she considers herself a “media ...
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Buy Low, Sell High
(General/Articles)
... equity investor, however, earned just 1.87% - less than the 2.89% inflation rate over that time frame. The study points out that market timing basically stole the returns for the average investor. I ...
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Financial Planning
(General/Services)
... just a one-time event. Once we have done initial planning, we review the plan annually to continue to mold a client's finances around an ever-changing world scene. Our Personal Financial Planning services ...
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Keeping The Family Cabin In The Family
(General/Articles)
The family cabin is a right of passage for many Minnesotans and one that many of us want our children and grandchildren to experience for a long time to come. Just like we remodel our primary residence, ...
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Welcome
(General/main)
... things to different people. All of our clients agree that it is far more than just a return-on-investment. They know that money only adds to life when it helps you achieve your vision and create the ...
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2009 Market Takeaways
(General/Articles)
... market turmoil coming. To be sure, there are people who will claim to have seen the signs and who got out of the market last summer, just in time. But similar to shooting a basket from half-court, just ...