Aug 15

Understanding Risk; Four Ways to Help Your Wealth Management Plan

There are typically three risk profiles that investors are assigned to within the financial services industry, which is conservative, moderate, and aggressive. These categories are usually defined by an investor’s; Time Horizon – age and when you expect to need assets, Long-Term Goals & Expectations – views of how an investment should perform, Short-Term Risk […]

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Aug 01

Four Tactics to Get the Most Out of the College Planning Process

If choosing to save for your child’s future college education needs is a priority for you, it is imperative that it be included in your overall wealth management plan.  I say choose because you likely have multiple financial priorities already tugging at you such as retirement, caring for an aging parent, or health care issues […]

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Jul 25

One of the Best Retirement Savings Vehicles You May Not Know About

One of the best retirement savings vehicles that many people may not realize is a Healthcare Savings Account (HSA).  An HSA is a tax-advantaged account created for individuals who are covered under high-deductible health plans (HDHPs) to save for medical expenses that HDHPs do not cover. Rather than using these accounts for current medical costs, […]

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Jul 25

Three Factors That Affect Your Social Security Decision

I am often asked the critical question of should I take my social security benefits early or wait until full retirement age or beyond?  Issuing a blanket response or answer to that question can lead people down the wrong path, especially on this subject.  While I believe many people would benefit the most by waiting […]

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Jul 18

What is Asset Allocation and How It Impacts Your Investments

One of the key drivers of investment performance is asset allocation.  Extensive research by Vanguard has shown that 88% of your investment returns can be traced back to your asset allocation.  Asset allocation is the balance between three main assets classes, equities (stocks), fixed-income (bonds), and cash and equivalents. As I laid out in the […]

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