Financial Security

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6 Things You Want to Take Advantage of Now

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Now that summer is over and the holidays are right around the corner, this is one of the most important times of the year for assuring your financial success. As things ramp up before the holidays and the associated blur of activity that we all experience as the year draws to a close, I would encourage you to take a few minutes to look at your year to date, and take the time to make some decisions as to how you want to finish out your year. Taking the time could save you thousands or more!

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How Much Do I Need to Retire?

Leave a Comment / Financial Plans, Financial Security, Retirement Plannnig /

This question comes up all the time. Depending on which website you visit, what commercial you see or what advisor you speak with, you keep hearing different answers to this question. No matter who you speak with or where you research, the answer to this question is usually expressed in numbers. You might remember a series of commercials a few years back that asked “Do you know your number?” This commercial showed a lot of folks running around with large numbers under their arms. Nearly all of those numbers were in the millions! I sure do understand how someone might have looked at the commercial and just given up. The thought process probably went something like this: “How am I ever going to save millions? I might as well not even try”.

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How Do Financial Advisors Help With Tax Planning?

Leave a Comment / Financial Security, Taxes /

About 10 years ago I was having a first meeting with a person who was referred to me. It was our normal “get to know each other” first appointment. At one point she pulled out an account statement summarizing most of her investments. I asked her how she decided what investments to buy and she said she had an investment manager “back east” that she really liked. I asked what she liked about her and the response was, “she returns my calls” and “”She doesn’t charge me that much”. Well, I took a look and her account was being traded like crazy. Her portfolio was being turned over more than 100% per year. I took a look at her tax return and there were a lot of gains listed attributable to this trading. That was the good news.

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5 Steps to Financial Fulfillment in 2015

Leave a Comment / Financial Plans, Financial Security /

As 2014 closes and we look toward the New Year I would like to ask you; how are you feeling about your financial situation? Are you confident, confused, or concerned? I know the last few years have been tough for many and, if you are reading the news, the fiscal cliff is staring everyone in the face next week. Yet, despite the doom and gloom, many of my clients and associates are thriving. They face the future with confidence and optimism. Having the perspective of nearly 30 years in financial services and having had the pleasure of meeting and working with hundreds of folks during that time, I wanted to share some observations that may help you excel in 2015 and beyond.

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The Keys to Financial Success

Leave a Comment / Financial Plans, Financial Security /

30 years ago, when I started out as a broker, I thought the key to financial security was investing well and getting a big rate of return. After all, I read many of the pundits telling me that I need to invest well. Growth Stocks, Commodities, Real Estate, etc. were the road to great wealth and financial security. Over the years, I have come to realize that Wall Street wants our focus there so that we won’t see what is really happening.

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