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A Year-End Financial Checklist
Time to Think About Year-End Financial Strategies As we roll into fall and the fourth quarter, now is a good time to pause and reflect on proactive ways to set up your finances for 2024. Economically speaking, we are now in a much...
Read MoreAI's Role in Shaping Our Tomorrow: A Look Ahead
While artificial intelligence (AI) is making headlines today, the concept of "thinking machines" can be traced back to ancient philosophers and mathematicians. The phrase artificial intelligence was first used in the mid-20th century,...
Read MoreTop 10 Questions High Net Worth Individuals Ask About Social Security
Social Security, the program you may have spent a lifetime paying into, is designed to offer stability, supplemental income, and other valuable benefits that can play a role in your overall financial strategy after you retire. We've...
Read MoreUnderstanding the September Effect: What It Is and Why It Happens
If you ask the average investor which month is the most volatile for the stock market, they will probably say October. It's a reasonable answer, but it's incorrect. Despite October's reputation for market-defining events like the...
Read MoreDon't Get Hooked: A Guide to Recognizing and Avoiding Phishing
As financial professionals, we understand how vital it is to safeguard your personal and financial information. Unfortunately, in our increasingly digital world, cybersecurity risks, such as phishing attacks, have become a prevalent...
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Money Tips for Parents Sending Children Off to College
You’ve done a great job teaching your children vital life lessons and instilling values that will last a lifetime. As summer ends and a new school year begins, one thing that shouldn’t be overlooked, especially for...
Read MoreAttention Parents and Grandparents of College-Bound Students: FAFSA Gets an Overhaul
Changes are coming to the complicated form that students must submit to qualify for college financial aid, known as the Free Application for Federal Student Aid (FAFSA).The Department of Education is calling it the “most...
Read MoreThe 6 Biggest Mistakes DIY Investors Make and How to Avoid Them
IntroductionOver the last several months, I have met with quite a few self-proclaimed do-it-yourself (DIY) investors who, after struggling with the markets in 2022, approached me asking for a second opinion. Interestingly, almost every...
Read MoreHow the SECURE 2.0 Act Changed 529 Plans
Changes to 529 plans in the SECURE 2.0 ActThe SECURE Act was initially passed by Congress at the end of 2019 and was intended to improve retirement savings opportunities. It was a big deal at the time and the most significant piece of...
Read MoreTop 7 Most Common Estate Strategy Mistakes (and How to Avoid Them)
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Read MoreNavigating the Costs of Senior Care: Tips for Preparing for Long-Term Care
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Read MoreLiving Trusts: Understanding the Basics and Key Considerations
Estate management can be a complex and daunting task for many people, but it’s a critical step in helping your assets get managed and distributed according to your wishes.One popular tool that can be used in estate strategies is...
Read MoreTrying to Time a Recession?
Economies move in cycles – always have, always willThe Federal Reserve has been steadily increasing interest rates in an attempt to slow the rate of inflation. Its efforts are yielding some results, although inflation remains...
Read MoreWhat Factors Have the Greatest Impact on Your Credit Score?
Fun fact: You probably have dozens of credit scores out there, and each one might be a different number.You’re probably familiar with a credit score, why it’s essential, and what it’s used for, but do you know how...
Read MoreTop Considerations to Help Adult Children Be Better Prepared As You Age
As we get older, it’s important that our adult children are prepared to manage any aging-related situations that may arise. This includes everything from having to make medical and financial decisions to determining assisted...
Read MoreBusiness Succession Planning
What Is A Business Succession Plan? A business succession plan is a document that outlines the steps that will be taken in the event that the owner of a company dies or is no longer able to run the business. This document can help...
Read MoreHolistic Wealth Planning
What Is Holistic Wealth Planning and Why Is It Important? When it comes to your finances, it's important to have a holistic plan in place. A holistic wealth plan considers all aspects of your life - emotional, physical, spiritual and...
Read MoreReal Estate Tax Strategies
Tax Strategies For Real Estate Agents. As a real estate agent, you know that taxes are a major expense. But did you know that there are a number of tax strategies you can use to save money on your taxes? Here are a few bits of advice you...
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Financial Tips for Assisting Aging Parents
If you have elderly parents, there may come a time you realize they require assistance with their financial affairs. They may stubbornly be reluctant to ask for help, even when they need it. A good idea is to help them with financial matter
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A Donor Advised Fund or Private Foundation: Which is Right for You?
Wealthy individuals are often philanthropically inclined but must navigate a myriad of options other than a direct charitable gift. Here we address two common techniques: donor advised funds and private foundations. A donor...
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My Merrill Lynch “Grand Experiment:” Breakaway Advisor Reveals Reasons for Curious Move
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