13 Mar
March 13, 2017

The news tends to over-dramatize the subject matter on which it is reporting. All too often this results in strong opinions or flat-out false statements. When it comes to Social Security benefits, the most common opinion I hear is that Social Security is going broke. It’s the elephant in the room as nervous clients jokingly comment that these benefits cannot be counted on any longer.

Social Security benefits are not going bankrupt.

It has been and still is in a

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03 Nov
November 03, 2016

Six out of ten self-employed individuals are not making regular contributions to their retirement savings, according to a 2015 survey conducted by TD Ameritrade. What is interesting is that self-employed individuals have perhaps more retirement options than any other type of worker.

If you are self-employed, there are many options that may allow a tax savings opportunity, as well as a vehicle to reach your retirement savings goal. In many cases, you are allowed to make contributions to your plan under

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01 Sep
September 01, 2016

Retiring or changing employers is a big transition for most people. One way to maximize this time of change is to utilize a unique opportunity to roll your 401(k) monies from your old employer’s plan into an IRA. Doing so provides you with more flexibility and control over your retirement savings.

When leaving an employer you generally have three options for your 401(k) monies:

Leave your funds in the 401(k) plan
Take a direct distribution of the funds (penalties may apply if you

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19 Jul
July 19, 2016

Many in the financial media tout the benefits of the early paydown of the home mortgage as one of the best financial strategies a family can implement. Unfortunately, this is one of those cases in which the rule of thumb can be completely wrong, particularly when it is not adapted for individual circumstances. Similar to consulting with a doctor before starting an exercise regimen, families should consult with a qualified financial professional before launching an accelerated mortgage paydown

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04 Jan
January 04, 2016

Ben Franklin once said, “Be at war with your vices, at peace with your neighbors, and let each New Year find you a better man.” The beginning of a new year often leads us to examine our lives and find ways to battle vices.

While many of our goals for the New Year may be physical in nature, there are many parallels between our physical and financial well being. When I think of financial goals, I divide

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