Be Your Own Banker

Ever wish you had some extra cash for special occasions or emergencies? Ever think about securing a loan? Perhaps you need a new car, or a vacation. Perhaps your home needs improvements, or your business needs some new equipment. Or perhaps you need some extra cash to pay for your…
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Life Insurance as Alternative to IRA

An Individual Retirement Account (IRA) is a tried and true savings vehicle for people seeking financial security in the Autumn of their years. In a perfect world the maximum amount is added tax-free every year and if invested wisely grows tax-free as well. Then beginning at age 70 1/2 distributions…
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Why I Love My Profession

I have a client who for purposes of this article we shall call Bob. I have known Bob for over 15 years. Approximately 12 years ago Bob and I had a discussion about his young son’s college education. Bob was concerned how he was going to pay for it. I…
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Protecting Your Family’s Future

At a recent financial industry event, behavioral finance expert Meir Statman tried to put the risk of investment losses in perspective. “The real risks in life are not the stock market,” he said. “If you want real risk, get married. And if you want more risk, have children.”1 This statement…
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Five Reasons to Begin Your Tax Planning Today

It is never too soon for individuals or business owners to involve themselves in tax planning. In fact the earlier one begins the more prepared they will be and inevitably much less stressed once the tax deadline approaches. Since everyone’s tax situation is different, instead of seeking advice from friends…
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