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Thoughts in Charts: The Curve May Change the Strategy

I was talking with a mentor late last year, and she was telling me about this incredibly “reasonable” request from a client. He was asking for a very low risk 2% annual income from an investment that he was happy to hold for the next 15…
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Fellow Women – Bring Together Money and its Meaning in Your Life

Five months into a quieter isolated life, many of us have taken to online yoga classes, healthier home cooking, and meditation as ways to deal with the disruption. But as you strive to bring peace into your life, are you at peace with…
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Controlling What You Can

  The need for long-term financial security is real, but sometimes financial choices are more heavily driven by pressing needs and wants along the way. If you find yourself falling short at retirement time, you may continue working…
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Thoughts in Charts: Withdrawal Timing

The timing of your cash withdrawals matter. The U.S. Stock market has persisted upward for the last 150 years; however, this has not been without periods of dramatic downturns. Some of these downturns lasted a significant amount of time. Over…
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Thin(k) About Your 401(k) Plan: Work Your Core - Five Core Investment Principals

During the middle of the market downturn towards the end of 2018, I found a truly incredible opportunity in an asset backed by the US Government and in about 45 days it generated an annualized approximate return of 117%.  What incredible,…
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The Biggest One Day Loss Ever…Really?

After the recent volatility in the market, I once again recall a few reasonable tips that help me maintain a long-term focus on investing.   Tip Number 1 - First, although you may be watching the “financial” news or an “investing”…
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Financial Wellness for Gen X and Millennials: Find the Highest Savings Rate

One of the first steps to building a solid financial plan is to accumulate a cash reserve. Popular financial planning rules of thumb suggest keeping 3-6 months of living expenses in cash. Homeowners and those in jobs subject to layoffs may prefer…

Financial Wellness for Gen X and Millennials – It’s About More than Investments

Part 1: Car Insurance I’ve noticed a few recurring themes from financial plans this past year. They have nothing to do with investments, but they are in many ways, so much more important. It turns out, there are a few items in your financial…
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Retirement Savings 101: My Grandfather Taught Me This Lesson

When meeting with clients to discuss saving for retirement, I often note that two of the most critical elements to building wealth for use in retirement are 1. starting early and 2. saving as much as possible. After all, the goal is to develop…
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Mutual Fund Names are Confusing

It never ceases to amaze me how confusing and non-descriptive mutual fund names can be. I spend a lot of time studying mutual funds and searching for the ones to fit our clients’ needs. How does the average 401(k) participant or Do-It-Yourself…