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Social Security Reset May Go Away
(General/Articles)
... You will need to go down to your local Social Security office to file the paperwork (form 521) and they will mail you an invoice for the payback amount. Whether you start taking a new, larger benefit immediately ...
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What is Your Long-Term Care Plan?
(General/Articles)
Fidelity Investments publishes an annual study, the Retiree Health Care Costs Estimate, which found a 65-year-old couple retiring in 2010 will need $250,000 to cover health care expenses, not including ...
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Dog Bites
(General/Articles)
... insurance markets and can shop your insurance for you to provide you with a combination of the best price and coverage to meet your insurance needs throughout the U.S. Call Michelle for more information ...
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Estate Tax Trouble in 2010
(General/Articles)
... so attend to it now. Though less than 1 percent of the U.S. population needed to be concerned with estate taxes in 2009 and many investors will not need to take additional action in 2010; document changes, ...
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Good Financial Plans Need Slush Funds
(General/Articles)
... size pot for their slush fund – probably 2-5% of their overall wealth at retirement. But that needs to last the rest of your life. The only way to get more into the slush fund as you spend it down is ...
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Take Control of College Costs
(General/Articles)
... not qualify for financial aid the FAFSA is often needed to determine eligibility for unsubsidized federal loans, institutional work-study and appeals of aid awards (even if aid is initially denied). It ...
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Medicare - Here's the 411
(General/Articles)
... need to be considered, and different decisions will be made based on how these questions are answered: Am I going to continue to work after 65? Do I have coverage available through my employer? Is ...
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Identity Theft 101
(General/Articles)
... your life. Paranoia is not needed, but we need to start considering our risks from the point of view of the criminal. ...
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Will You Still Get Goose Bumps When CDs Are Gone?
(General/Articles)
... do that. There are three steps to reproducing music; the more accurate each step is the more goose bumps you will feel. First, music needs to be recorded well. We do not have control over that ...
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What's Ahead?...Spring and Echo Boomers
(General/Articles)
... stage family homes no longer needed or wanted by Baby Boomers. The federal government's $6,500 tax credit for qualified move-up buyers who purchase by April 30, and a softer move-up market, offer encouragement ...
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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)
... higher trading costs and lower returns. Buy-and-hold reflects a strategy that establishes ground rules around when you need your money. Assets required for shorter-term spending should be in cash and ...
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Heads I Win, Tails You Lose
(General/Articles)
... the new Roth IRA accounts individually depending on how that asset class performs. Our game ends when you want it to; the decision to recharacterize a 2010 Roth IRA conversion does not need to be made ...
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When Spending is Really Saving
(General/Articles)
... I recommend that someone needs to recoup their closing costs in three, and at most, four years with the new savings. If you stay in your home for longer than that, refinancing pays off. Other examples ...
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Services
(General/Services)
... the same objectives. With this approach, clients will never pay for a service they do not need, and they can always approach us to assist with issues that are unique to their personal situations. Our ...
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Our Process
(General/About)
... and to see if they like us. In all cases, both parties need to agree to establishing a long-term working relationship, as we will be discussing very personal aspects of their life, their dreams and their ...
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How should I judge your performance?
(General/FAQ)
Sitting on your side of the table, you should judge us by how well we communicate and collaborate with you, how well we address your overall planning needs, how well we prepare you for the softer side ...
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Who will I work with in your office?
(General/FAQ)
Each client will work with at least one shareholder of the firm. Depending on his or her needs, other professionals and staff may also be working with the client too. At the end of the day, however, ...
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What makes Boeckermann, Grafstrom & Mayer Wealth Management different?
(General/FAQ)
Service - We focus our services on providing clients with all the solutions needed. The owners of our firm are also owners of an accounting firm (Boeckermann, Grafstrom & Mayer P.A.) and a trust company ...
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Ongoing Services
(General/Services)
While the initial financial planning and investment management is a good start, clients continue to have financial issues arise that need additional attention. We encourage our clients to call us first. ...