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Paying Off Debt: As You Work Toward Debt Freedom, is the Snowball or Avalanche Method Right for You?

Monthly Newsletters

Paying Off Debt: As You Work Toward Debt Freedom, is the Snowball or Avalanche Method Right for You?

Debt consolidation and repayment takes up a lot of America’s bandwidth. You can’t watch TV, especially daytime TV, without seeing at least one advertisement promising you freedom from debt – call now! These gimmicks are hit-and-usually-miss, but the sheer ubiquity of this conversation tells us it’s on everyone’s mind.

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How to Put the Hard Financial Lessons of Quarantine to Work for You

Monthly Newsletters

How to Put the Hard Financial Lessons of Quarantine to Work for You

Wait – gas cost how much?!  This is a question we may ask our parents or hear from our kids with some incredulity. This intergenerational conversation has a humorous side: gas was a quarter a gallon – how? You must have filled up everyday!

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June 2020 Newsletter – How Are We Going to Pay For All This?

Monthly Newsletters

June 2020 Newsletter – How Are We Going to Pay For All This?

The largest federal budget deficit since World War II came back in 2009, as slower growth and increased government spending during the subprime-mortgage financial panic pushed the deficit to 9.8% of GDP. This year’s the budget deficit will, quite simply, blow that record out of the water. The Congressional Budget Office recently totaled up all the legislative measures taken so far – as well as the effects of a weaker economy (payments for unemployment benefits would be going up even with the recent law) – and they estimated this year’s budget deficit at $3.7 trillion, which they forecast would represent...read the full article

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How to Use a 529 Plan to Help 2020 Grads Celebrate-In-Place During Coronavirus Quarantine

Monthly Newsletters

How to Use a 529 Plan to Help 2020 Grads Celebrate-In-Place During Coronavirus Quarantine

Warmer weather comes with a few traditions: well-kept lawns, baseball stadium lights, open windows. And every year in May and June you’ll see the balloons on stop signs and borrowed folding tables in the open garage, proud parents snapping pictures. The graduation party is a universal rite of passage.

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May Monthly Newsletter –  4 Ways the CARES Act Impacts Retirement Planning

Monthly Newsletters

May Monthly Newsletter – 4 Ways the CARES Act Impacts Retirement Planning

In response to the halting U.S. economy, set off by the coronavirus pandemic, the federal government passed a massive emergency funding bill to protect and support American businesses, hospitals and individuals. The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) is a far-reaching bill with over 1,000 pages of text that detail the funding, loans, and tax provisions designed to provide economic relief. The CARES Act also includes changes that will impact individuals retirement income strategies, including how they use their IRAs and 401(k)s. Four main areas of retirement planning impacted by the CARES Act are: RMD’s, 401(k) loans, the new coronavirus-related distribution exception, and charitable...read the full article

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The Tough Get Strategic – Financial Strategies for a Market Downturn

Monthly Newsletters

The Tough Get Strategic – Financial Strategies for a Market Downturn

When the going gets tough, the tough get strategic. Headlines you read at breakfast might be contradicted by lunch, and the ups and downs of the market could give anyone vertigo. But now is not the time to panic – now is the time to take a deep breath and strategize.

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April Monthly Newsletter – Historic Weeks in the Markets: COVID-19-Induced Selloff

Monthly Newsletters

April Monthly Newsletter – Historic Weeks in the Markets: COVID-19-Induced Selloff

As the coronavirus (“COVID-19”) continues to spread on a worldwide basis, markets have been wrestling with how to interpret the potential economic impacts and the inevitable chain reaction now in motion.

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March Monthly Newsletter – How to Use a Trust as a Financial Planning Tool

Monthly Newsletters

March Monthly Newsletter – How to Use a Trust as a Financial Planning Tool

Clients frequently ask whether they should leave their assets in a trust. It depends. Of course, if your net worth exceeds $11 million, putting your assets in specific types of trusts can be helpful for federal estate tax issues. However, for most Americans, federal estate taxes will not be a major concern. So why else would you want to leave your assets in a trust? Before you say “I don’t,” or “It’s too complicated,” take time to learn more about what a trust can do for you.

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What Changes (and What Doesn’t) with the FICO 10 Credit Score Update

Monthly Newsletters

What Changes (and What Doesn’t) with the FICO 10 Credit Score Update

Anyone who uses a computer these days won’t be too surprised to see an update notification pop up on the screen. While you’re reading your email or playing Scrabble, irritating little boxes will jump in front of you declaring your virus protection out of date or offering a new, improved version of whatever app you’re using. It’s a part of modern life.

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Financial Caregiving for Those With Alzheimer’s and Dementia

Monthly Newsletters

Financial Caregiving for Those With Alzheimer’s and Dementia

On an otherwise normal Thursday afternoon, a reporter had lunch with a resident from a memory care facility. Apparently, he asked for details on some kind of story and the confused patient was happy to comply and enjoyed the meal out. Then the police showed up.

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