When it comes to retirement, few decisions feel as weighty as when to claim Social Security. Do you take it early and lock in a…
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The Best Age to Start Social Security
What Are Reasonable Return Expectations?
“Reality will pay you back in equal proportion to your delusion.” - Will Smith, actor & musician Stanley Druckenmiller is one of the most successful investors of his generation. During his time running Duquesne Capital (1981 – 2010), he never...
read moreEstate Planning 101: Should You Choose a Will or a Living Trust?
Estate planning might not be the most exciting topic, but it’s one of the most thoughtful ways to protect your family’s future. Whether you want…
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Probable Probabilities
“The biggest risk is always what no one sees coming, because if no one sees it coming, no one’s prepared for it; and if no…
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To Convert or Not Convert? Roth is the Question
Just as diversification is important in investing, it’s equally important in retirement planning. By diversifying your assets across different types of accounts—taxable, tax-deferred, and tax-free—you…
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Understanding Safe Withdrawal Rates
One of the key considerations in retirement planning is determining a safe withdrawal rate – the pace at which you can draw down your savings…
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Rush to Riches
“Slow success builds character. Fast success builds ego.” Ratan Tata, former chair of Tata Group A young golfer approaches her swing coach and asks, “How…
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The Most Valuable Financial Advisor Task
“Investors are always searching for good ideas, when what they need are good habits.” – Jason Zweig, Wall Street Journal & author If you asked…
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How High Interest Rates Impact Financial Decisions
“Invest in preparedness, not prediction.” – Morgan Housel, Collaborative Fund Financial planning is important because it helps clients understand where they stand today and what…
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How to Create a Realistic Budget
“The budget is not just a collection of numbers, but an expression of our values and aspirations.” – Jacob Lew It’s not what the market…
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