Blog
The Anti-Regret Playbook
The Anti-Regret Playbook: Lessons from Those Who’ve Been ThereAre you making intentional moves for the retirement you want?Most people don’t realize how much small decisions, like when to claim benefits or how long to keep working, can...
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Are We in A Bubble?
In recent years, many investors and analysts have raised concerns that the stock market is significantly overpriced, drawing parallels to the infamous dot-com bubble of the late 1990s and early 2000s. This comparison is not merely...
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Do Stocks Outperform Treasury Bills?
Here’s a stat that stops a lot of people in their tracks: Less than 4% of all U.S. stocks have been responsible for the market’s net gains going back nearly 100 years.1 That’s from a landmark study by Professor Hendrik Bessembinder of...
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Tax Law Changes
The recent signing of the “One Big Beautiful Bill Act” (OBBB Act) by President Trump on July 4 represents a monumental shift in the American fiscal landscape. Here is a summary of 12 permanent provisions: Permanent extension of...
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Social Security Delayed Retirement Credits
It is common knowledge by now that if a person applies for their Social Security benefit after full retirement age (FRA), the benefit will include delayed retirement credits (DRCs) of 8% per year up to age 70. This is enough to entice...
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Behavioral Biases Cloud Our Judgement
We are emotional creatures. Everything we experience shapes our beliefs, behaviors––our reality. But if personal bias is how we favor or judge decisions, then those judgements can be exploited if incorrect. And during your next...
Read MoreYou've been laid off, now what?
I'd like to share the guide my wife created for people affected by the recent lay offs in the private and the government sector. She has been working as a career coach for more than 20 years and helping her clients find their next job....
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From Frugality to Financial Guidance: My Journey to Becoming a Financial Advisor
We all share a desire to understand the people we collaborate with and the narratives that shape their lives. It's heartening to acknowledge that every individual we encounter, regardless of their role or background, brings a rich...
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College Financial Aid
Free Application for Financial Aid, FAFSA applications have been delayed this year due to changes to the process. Families struggle to complete their applications due to the 'soft launch' of the website. Read the blog post for details.
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New Year's Resolutions
Here are some actionable ideas for 2024 that will help you improve your finances.
Read MoreFederal Benefits Webinar
If you missed the live trainings or the webinars in the past, or would like to have a refresher you can watch the recording of a recent webinar Please contact me if you have any questions or would like to have your...
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September Is National Life Insurance Awareness Month
It’s time for your life insurance checkup.September is National Life Insurance Awareness Month, so it’s a great time to review your coverage.1If you don’t have any life insurance, you’re not alone. Life...
Read MoreAre You Emotionally Ready to Retire?
Most people retire because they hate what they do or because it was always done this way. Many projects are left for retirement since the work life we created had no flexibility to have time to do what we want. And for some life has...
Read MoreAre Your Investments Aligned With Your Values
As consumers get more knowledgeable and more conscious about their every day choices, it has an impact on their buying behavior. I read the book Soul of the Money by Lynne Twist many years ago. It is about the basic concept of spending...
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What does Covid-19 teach us about money?
Like most people I am reflecting and asking what this pandemic is trying to teach us? What do my clients need now? What is the opportunity to get better in what I do in the midst of it all? I have always believed my most important job...
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Money is always emotional
We all have some emotional story around money. There are some that we inherited from our families, some that we picked along the way depending on what we experienced in life. We have shame if we have too much of it; we have shame if we...
Read MoreFederal Employee Benefits
Here's the recording of the webinar I did on June 18th about federal retirement and employee benefits. I explained how the retirement income is calculated and the other benefits available to federal employees. Please contact our office...
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Markets React to Positive Outlook
Upbeat comments by the Federal Reserve Chairman and more signs of an economic turnaround combined to help fuel a powerful rally in the stock market last week.The Dow Jones Industrial Average rose 3.29%, while the Standard &...
Read MoreIs your principal at risk?
While we have been worried about being infected with the COVID-19 virus we are also worried about our jobs, our 401Ks, our savings, basically about our financial well-being. Officials tell us we need to flatten the curve with this...
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SECURE Act - Changes to Retirement
You may have read in the news about the SECURE (Setting Every Community Up for Retirement Enhancement) Act that went into effect on January 1, 2020 and wondered if it will affect your retirement accounts. This Act makes some very...
Read MoreWhat do you do?
In my previous newsletters I have been sharing my journey as a Financial Advisor. Here’s the link if you haven’t had a chance to read them. I first told you about my new year’s resolution and why it was important to...
Read MoreDoes One Size Fit All?
Last month I told you how my childhood shaped my career, and how I had to eliminate many risks in my life. As I mentioned, that does not mean I do not take risks at all. I do! The biggest risk of my life was to leave my job at...
Read MoreKeeping your financial documents in order
New Year’s resolutions can be great motivators, but any time of year is good to get your financial paperwork in order. Managing your important documents—whether electronic or on old-fashioned paper—can make your...
Read MoreDefense Wins Championships
I grew up in a middle-class family. Both my parents worked so it would have been very difficult for them to have more than one child as my mom would have to quit her job, and that would have hurt the finances. Our family’s budget...
Read More$16,000 mistake
Couple months ago I met a gentleman at one of my Social Security seminars. Like the other attendees he was trying to figure out the best strategy to claim benefits for himself and his wife. Let’s call them John and Mary. After...
Read MoreNew Year's Resolutions
Many people around the world set New Year’s resolutions. The most common are to eat healthier, get more exercise and save more money. I have a new year’s resolution as well: to share more of who I am and why I do what I do....
Read MoreExpansion is Slowing
The Marathon Economic Expansion Is Slowing Marathons are often used as an analogy for investing, and for 2018, it’s more than appropriate. We are currently in the second-longest economic expansion in history—the longest if...
Read MoreSustainable and Positive Impact Investing
As consumers get more knowledgeable and more conscious about their every day choices, it has an impact on their buying behavior. I read the book Soul of the Money by Lynne Twist many years ago. It is about the basic concept of spending...
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