Blog Posts in 2014

New Money Market Rules

Recently, the Securities and Exchange Commission approved a series of new rules designed to prevent investors from withdrawing funds from money market mutual funds in times of crisis. This vote came ...
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Why R.I.A. is the Way: A Case for Registered Investment Advisors -- Retire Soon

The truth is the future for prospective retirees may indeed usher in a level of uncertainty. Social security, health care law changes, and other macro-economic factors work to shape and reshape the ...
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When Bond Funds Make Sense

As you may know, fixed income is integral component to most properly allocated portfolio. In certain cases, it may make up more than half of the portfolios of an investor saving for retirement. As ...
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Before You Go: 3 IRA Facts You May Not Know

Retirement, for many, is the most important thing you DONT talk about. For some, it is too far in the future to warrant a legitimate concern. But for those of soon-to-be retired, or already actively ...
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Living Together, Retired Separately: Keys to Half-Retired Boomer Bliss

Despite even the most impeccable planning, many of todays married Baby Boomers find themselves facing retirement differently then they intended. 2008s economic crisis ushered in many unplanned ...
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Lessons You Teach Your Children Apply to Business

The lessons you teach your children often have a funny way of appearing in your business life. I was reading an online article about parenting and decided to highlight a few of these lessons and give ...
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Wake Up Generation Y! (Retire Later)

Generation Y’rs are considered the future of retirement planning. That being said, for many of them retirement isn’t on their minds and therefore they tend not to save as much money as ...
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Watch out for the Excise Tax (Tax Planning)

For most people, 70½ is when you need to begin taking a required minimum distribution ("RMD") from a retirement account. Specifically, if you have IRAs, the first RMD must be taken by ...
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Budget: No, Not the Car Rental Company (Financial Planning)

A lot has been written lately about the American taxpayers’ failure to properly budget their finances. In fact, a recent Wall Street Journal article leads with its coverage on financial ...
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3 Essential Steps to Retirement Planning (Retire Soon)

If you are within 10 years from Retirement, you are in the “ Retire Soon ” zone. Here are “3 Essential Steps to Retirement Planning”. First: Do a Current Financial Plan You ...
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IRA Required Minimum Distributions (Retired Now)

For most people, 70½ is when you need to begin taking a required minimum distribution ("RMD") from a retirement account. Specifically, if you have IRAs, the first RMD must be taken by ...
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Advisor Credentials (Financial Planning)

The Consumer Financial Protection Bureau recently issued a report entitled “Senior Designations for Financial Advisers: Reducing Consumer Confusion and Risks”. While the title gives a good ...
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3 Essential Steps to a Successful Financial Retirement (Retired Now)

Are you Retired Now? If so, then you are in the “Retired Now” zone. And as a Retiree, here are “3 Essential Steps to a Successful Financial Retirement”. First: Do You Have ...
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3 Concepts to Think About in the Retire Later Zone (Retire Later)

If you’re in your 20’s, 30’s or 40’s, then you’re in the “Retire Later” zone. And, if you’re in the “Retire Later” zone, then here are 3 ...
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What 4% Withdrawal Rate? (Retired Now)

A lot has been written lately on whether the 4% withdrawal rate for retirees makes sense anymore. The theory is if you are retired and you withdraw 4% of your savings annually & increase that ...
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Is It Worth A Dollar If You Can't Sell It For A Dollar? (Investment Planning)

Over the past couple weeks, the average investor is getting an important lesson on the difference between “asset value”, and “market value”, courtesy of Mr. Market. For years ...
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''Fed'' Up? On Keeping Your Head Amidst the Volatility (Investment Planning)

There’s no question there’s been “market volatility” in response to the Federal Reserve’s confirmation that monetary stimulus will begin to taper. And when we say ...
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Lurking Risk: Interest Rate Changes and Your Bond Portfolio (Investment Planning)

People are more focused than ever on the risk in their portfolio - and with interest rates so low, there is particular attention being paid to the risk in one’s bond portfolio. But how much ...
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