Year-End Financial Considerations

Whether you’re ready or not, the end of the year is quickly approaching.  Now is the perfect time for investors to review their portfolios to take care of any year end items and align investment goals with any upcoming life changes. The first thing you want to take a look at is to make sure that you have maximized contributions to your 401(k), IRA, Roth IRA, or other retirement plans. 

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Cost Of College Derailing Parents Retirement

A generation ago, a much smaller number of American high school students planned on attending college in the future. Today, nearly 70% of high school graduates are enrolling in college. The increase in the number of students attending college, along with skyrocketing tuition costs, has left many families financially unprepared for higher education.

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Investing In Bonds Could Add Balance To Portfolios

We have all read numerous investment articles lately that talked about the advantages of being “balanced.” Now that so many folks finally see the light, they are faced with deciding whether now is the right time for bonds; what type of bonds they should add to their portfolios; and if they do buy bonds, how do they go about it?

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Recently Retired Or Changed Jobs? What You Need To Know About 401(k) Rollovers

Major life changes, like retirement or landing a new job can be a big adjustment. Not to mention all the financial considerations that must be managed during these transitions. One major financial decision is whether or not to rollover your employer-sponsored retirement plan. If you decide to rollover your existing plan, there are things you should consider.

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Election Impact On The Market

Now that the major party conventions are behind us, investors are contemplating the implications of this year’s presidential election may have on financial markets. While there have been numerous empirical studies of stock market performance around elections, the only prediction that has proven to be statistically dependable, is that the market strengthens in the last two years of an incumbent’s term.

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Ring In The New Year By Revisiting Your Financial Plan

In order to keep pace with changes in your life, your financial plan should function as a “living” document. As your life goals and aspirations evolve, your financial plan needs to be adapted to support those modifications.

The New Year is an ideal time to evaluate, and if necessary, update
your plan.

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Troubled By The Turbulent Financial Market

Unless you’ve been orbiting the earth in the international space station, you’ve probably heard the latest news about the turbulent global markets. China’s Shanghai Composite Index lost more than 11%, oil prices are continuing to drop and the U.S. stock market has taken a big dip. For the average investor, it’s hard not to panic and make fear-driven decisions.

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Selecting A Qualified Financial Advisor

During times of economic hardship, it is critical for investors to make good investment decisions and equally critical to choose a financial advisor who can provide knowledgeable and ethical guidance along with sound fiduciary advice. While investors assume that their chosen advisor has their best interest at heart, that unfortunately, may not always be the case.

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Tax Efficient Investment Strategies Improve Total Return

Depending on your tax bracket and the type of gains realized, the IRS can chew up to 43.8% of it in taxes.Simply put, tax efficiency is a measure of how much of an investment’s return is left over after taxes are paid. Tax efficiency shouldn’t become so much of the focus that it degrades your portfolio performance; rather it should help preserve gains as much as possible.

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Reconsidering The Role Of Bond Funds

Bonds are an important part of a well diversified investment portfolio. They are widely viewed as a safe, low risk component for investment allocations, with an aim of preserving capital and generating income.  Bonds function like loans. Investors provide money for a period of time to finance projects. When the bond matures, the principal is returned, and interest is paid along the way.

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