08 May
May 08, 2014

When working with a financial advisor, it can be difficult to fully realize some of the intangible or behind-the-scenes work done on your behalf.  While successful financial plans begin with an appropriate asset allocation based on your investment time horizon, an awareness of your risk tolerance, and a clear understanding of your goals and objectives, many believe that half of the benefit of having an advisor is the behavioral counseling! Advisors can help keep clients from deviating from their financial

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30 Dec
December 30, 2013

Imagine buying a car and not being informed of all aspects that were pertinent to your decision.  What if the car dealership did not tell you about bad gas mileage, a leaky sunroof, rebates, financing specials, no spare tire, numerous recalls on previous models, or other expensive ongoing maintenance?  Would that affect your buying decision? Obviously, most of us would not make such a purchase without that information.

Details are important.  However, in the area of 401(k) plans, many of us

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26 Sep
September 26, 2013

Most of us realize that money can be a great motivator. For those of us with kids or teenagers, they certainly know where to go (Mom or Dad) when their coffers are running a little short. The challenge comes when their request is for something they WANT but feel they NEED. Teaching children the difference and how to make wise financial choices can have a profound effect on their own financial future.

One way to help demonstrate good financial management to

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25 Apr
April 25, 2013

On Tuesday, April 23, PBS aired a program that many 401(k) plan sponsor and participants should have watched. I’m sure it was below the radar of most viewers, though, since no reality television stars, Kardashians, or other “celebrities” were involved.

The program is entitled “The Retirement Gamble” and focuses on the difficulty 401(k) participants face in reaching their retirement goals. The first hurdle is education. Participants are expected to learn how much to save, how to invest, how to select investments,

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26 Mar
March 26, 2013

A 2% difference does not amount to much significance in our daily lives, unless it’s in regards to the price of gas or perhaps a cash-back reward program from a retailer. In general, we do not notice the nominal amount. Luca Pacioli thought differently. Luca Pacioli is considered the inventor of the Rule of 72 in 1494 A.D. Other famous individuals have been credited with the invention as well, including Ben Franklin, John Napier, and Albert Einstein. As a

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