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  • Working Longer May Not Be a Retirement Strategy

    Working Longer May Not Be a Retirement Strategy

    September 16, 2015
    Key Takeaway! The age we retire has long been assumed to be in our control. But retirement research is pointing out that many of us might want to build a more flexible plan just in case we don’t control that option. When you think about the levers you can pull in ...
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  • Three Retirement Decisions Based on Market Valuation

    Three Retirement Decisions Based on Market Valuation

    September 4, 2015
    Key Takeaway! The current valuation of the market doesn’t impact long-term investors. But it does impact those close to retirement if you know how to ask the right questions. Raising children teaches you how to ask the right question. Whenever one child says another child did something to them, the wise ...
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  • Active Risk Opportunities (No Pain, No Gain)

    Active Risk Opportunities (No Pain, No Gain)

    August 26, 2015
    Key Takeaway! Market drops bring opportunities that we must actively pursue. It is in market drops that we can make money in the long run; and the tax-loss opportunity in the short run is icing on the cake. Bad days make the good days that much better. That is something my ...
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  • The Performance Report's Role in Your Retirement

    The Performance Report’s Role in Your Retirement

    August 21, 2015
    Key Takeaway! Your brokerage statement, on its own, will not tell you much about whether you are meeting your goals. You need to look under the hood at an actual performance report, paired with a retirement projection, to understand your road to retirement. Measurement can be tricky if you don’t know ...
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  • Your Mortgage: To Prepay or Not to Prepay—Part 2

    Your Mortgage: To Prepay or Not to Prepay—Part 2

    August 11, 2015
    Key Takeaway! You should not prepay your mortgage because once you do, you have taken money that you might need in an emergency and locked it into your home, which makes it hard to access the funds should you need them. I come from a family that pays down mortgages quickly—for ...
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  • Your Mortgage: To Prepay or Not to Prepay—Part 1

    Your Mortgage: To Prepay or Not to Prepay—Part 1

    August 5, 2015
    Key Takeaway! Prepaying your mortgage can mean financial freedom—freedom from stress and freedom to choose new opportunities. With the reduced expenses that come with paying off a mortgage early, you’ll worry less if there’s an economic downturn that results in a layoff or less investment income. And with less debt, ...
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  • The New Problem of Gifting an IRA to Your Children

    The New Problem of Gifting an IRA to Your Children

    July 24, 2015
    Key Takeaway! Inheriting an IRA just got a little more complicated. The Supreme Court has ruled that inherited IRAs for non-spouses are not protected from creditors. Your estate plan might need an update. Giving money to children and grandchildren in our estate plans is one of the more complicated issues in ...
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