17 Dec
December 17, 2014

If you had the ability to take a refund of your Social Security tax withholding and invest the money yourself, would you do it? What about if the system changed and you were required to contribute your equivalent current withholding to a tax-deferred investment account from the beginning? 

Let’s review question number one first:

Pretend for a moment that you are 22, new to the workforce, and earning $35,000 annually.  The Social Security Administration continues as is during your first 10 years of

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01 Apr
April 01, 2014

Myth or Fact #1: You can only contribute to a 529 plan sponsored by your home state.

Myth. U.S. residents can take advantage of 529 plans available in any state across the country. Though there sometimes can be benefits of contributing to your home state plan, more often than not, the out-of-state choice is much better from a total cost and ease of use standpoint. Even if your home state plan offers a tax incentive for participation, make sure

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27 Mar
March 27, 2014

I read an interesting article this week about a financial advisor in New Jersey that put forth the idea that the age of an advisor and experience level of an advisor are not always synonymous. Being part of the “Millennial” generation, I have to admit I have a bias where this is concerned, but there is definitely some truth in the words he wrote.

Mr. Zagarola contends that individuals seeking a long-term relationship with a financial advisor

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02 Oct
October 02, 2013

Jimi Hendrix. Howard Hughes. Abraham Lincoln.

Different eras, different professions, different abilities, same problem.

No, the problem was not because all three had drug issues, obsessive compulsive disorder, or other eccentricities. The problem was simply that all three failed to plan for life beyond the grave!

It probably does not surprise you that Jimi Hendrix failed to plan, given the lifestyleand times in which he lived. But how could Howard Hughes leave an estate valued at more than $2 billion without any intentions?

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31 Jan
January 31, 2013

If you’re like me, then you likely salivated over new TV technology for the last few years while watching pixelated people, pets, and scenery on your analog rear-projection TV. This was most evident on Super Bowl Sunday. Because I grew green with jealousy each time I went to a friend’s house, and because I decided I couldn’t see the football on my own screen, I “splurged” on my very own 32″ Samsung LED TV (less than $400). That was

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