Blog Posts

  • Tax Control In Retirement

    March 1, 2008
    Sometimes I am asked what changes I would make for people if I could have met them years before they retire. I do not want to use the words, “fixing mistakes,” because it is never a mistake to retire with money saved. I will say, however, that the ...
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  • The 4% Solution

    February 1, 2008
    In the five years leading up to retirement, what I noted in January’s newsletter as the red zone, most people start thinking about where they might get their retirement income. Whether from a pension, social security, 401(k) or the sale of a business, many start gearing up for the ...
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  • The 2008 Red Zone

    January 1, 2008
    If you are within five years of retiring or in your first five years of retirement, 2008 is the year to start addressing your red zone issues. Much like a football team trying to score in the red zone, you have many plays that need to be run now ...
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  • Emotional Competency in Volatile Markets

    Emotional Competency in Volatile Markets

    December 1, 2007
    Ask 10 people if the S&P 500 is up or down for 2007 and I would bet 70% would say it is down. That answer is wrong, since the S&P 500 is up a little more than 4% through November 30. Many people react to the daily movement in the ...
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  • Are You There Yet?

    November 2, 2007
    Like a long drive through the country to grandmas on a fall day, we should all be asking ourselves, “Are we there yet?” When clients walk in the door, they typically are thinking about major milestones in their life like retirement, or college for their children. Yet there are many ...
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  • Tax Planning While the Leaves Fall

    November 1, 2007
    There is a key difference between tax planning and doing your taxes. And that difference is forward thinking. If that does not make sense, then consider driving a car. Sitting in the driver’s seat, a financial planner is looking forward out the windshield while your accountant is looking backwards out ...
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  • Surrounded by Satisficers

    October 1, 2007
    Market volatility brings insight into who we are. The activity in the stock market over the last month has wiped out the positive returns we had built up through June. Yet many of the people I personally know are not jumping off the ship. Instead they are taking this in ...
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