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Financial Planning
Understanding Medicare and Open Enrollment
September 22, 2022 | Financial Planning
The annual Medicare Open Enrollment period starts on October 15th and runs until December 7th. During this period, individuals already enrolled in Medicare Part A & B (see below to understand the different parts of Medicare) via original Medicare or a Medicare Advantage (Part C) plan can: …
Stress Testing Your Financial Plan
September 07, 2022 | Financial Planning
Recessions are no fun, and bear markets aren’t pleasant to go through either. The economy slows, markets go down, and even well-diversified portfolios can take a beating along the way. In the same way that rising tides lift all boats (i.e., lift up portfolios), falling tides drag them down and …
Real Estate’s Role in Your Financial Plan
August 23, 2022 | Financial Planning
Real estate is all too often the black sheep of your portfolio – overlooked, but still valuable as it has a multi-faceted role in financial plans. Your primary residence, or residences, are a huge portion of the overall net worth of many clients must be factored into a proper financial plan. …
3 Questions Every Will Must Answer
August 11, 2022 | Estate Planning
With so much going on in markets, it's easy to get caught up in the day-to-day and forget about all the other aspects of financial planning that are too important to miss. August also happens to be national ‘Make a Will Month,’ and in honor of the month, we’d like to bring everyone’s attention …
Mid-Year Outlook: Staying Patient in a Bear Market
July 18, 2022 | Investing
A tough start to 2022 After closing out 2021 on a high note, 2022 has brought challenge after challenge. The post-pandemic recovery was remarkable for so many reasons. The market fell quickly, but it snapped back just as fast, and then continued on up and up, breaking …
How to Buy into Any Market
July 07, 2022 | Financial Planning
Do you have cash and are thinking of investing? That’s smart. The desire of wanting to put your cash to work (rather than having it sitting in a savings account, losing value due to inflation) is the right idea. And the best part is that you’re in control of getting started. There are two …
The Pros and Cons of Owning Two Homes
June 09, 2022 | Financial Planning
Primary residences and second homes can each be leveraged in different ways to help achieve financial goals. One has the potential to be an investment vehicle (generating income while appreciating in value) and the other is simply a lifestyle asset – can you guess which one is which? Let’s …
Marginal vs. Effective Tax Rates
May 25, 2022 | Tax Planning
What comes to mind when you think about taxes? It’s probably not the blissful feeling of sipping a refreshing drink on the beach. Instead, it’s deadlines, numbers, forms, and an overall annoyance. It doesn’t help that tax rules are constantly updating, making a complex topic even more difficult. …
The Value of Tax Management
May 24, 2022 | Financial Planning
If saving and investing are the building blocks of wealth planning, then proper tax management is the roof protecting the building. Great investment results, or your house, can be bogged down by poor tax decisions, or a leak in the roof, hampering your ability to meet long-term goals. Wealth …
Will Inflation Ruin Your Financial Plan? Here’s What to Do.
May 17, 2022 | Financial Planning
Key Takeaways: Inflation diminishes purchasing power, making it hard to stretch your dollars as far Implementing good financial habits early allows for adaptability if inflation strikes Avoid being caught off guard by proactively accounting for inflation in your financial plan Simply …