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Knowledge is the critical first step for your financial future.

RMD Considerations

February 11, 2020

With people living longer and benefiting from the long-running bull market, there are more factors to consider in taking required minimum distributions (RMDs) from retirement accounts. The traditional IRA, SEP IRA and 401(k) plans offer tax deductions on contributions and tax-deferred growth on earnings during the accumulation phase, but eventually the government wants you to…

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Assessing the Role of Government

February 5, 2020

Recently, President Trump bemoaned the inconveniences of low-flow toilets, showers, dishwashers and energy-efficient lightbulbs – all implemented in the wake of government regulation aimed toward conservation efforts.1 One issue in the political divide between parties is disagreement about the role of government in the economy. When Congress passes legislation or the administration’s Cabinet departments impose…

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Financial Tips For 2020

February 5, 2020

The U.S. has enjoyed 10 years of a booming stock market and a growing economy. It’s too early to tell how 2020 will look, but there are some signs that it doesn’t look quite as promising. Between warnings of a possible economic pullback and a contentious presidential election year, investors may want to consider financial…

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Two Retirement Planning Approaches: Safety vs. Probability

February 5, 2020

According to Merrill, four of the most common risks to your retirement strategy are:1 A significant market drop shortly before or early in your retirement Inflation reducing your spending power over time Unexpected medical and/or long-term care expenses Outliving your assets If you are nearing retirement, it might be time to review your current financial…

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Tax Tips and Updates for the 2019 Filing Season

February 5, 2020

As we enter a new year, it’s time to start thinking about smart tax moves to help minimize what you’ll owe Uncle Sam on April 15, 2020. Given the fact that the 2017 Tax Cuts and Jobs Act went into effect only last year, taxpayers are still learning the ins, outs and potential undiscovered advantages…

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Non-Cyclical Stocks and Their Relationship to the Economy

February 5, 2020

Three pivotal economic events of 2019 were: (1) the prolonged trade dispute between the U.S. and China; (2) the series of three interest rate cuts by the Federal Reserve; and (3) chatter about a possible 2020 recession. It remains to be seen whether a recession is on the way, but if you’re concerned about market…

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News Around the Internet

January 15, 2019

Where there is internet, is there more prosperity? Generally speaking, yes. It costs much more to lay fiber to outlying communities than it does in larger metropolitan areas, which may contribute to the growing geographical discrepancy between income, education and even health care. Some places, like Indiana, hope to bring rural areas up to speed…

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The Power of a Healthy Mind

January 8, 2019

Can having your mind in the right place improve your health? It can’t hurt. We’re living longer, but we aren’t always prepared for what lies ahead. It’s easy to become disillusioned as new aches and pains crop up or our body doesn’t work like it used to. But just as we exercise and eat right…

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Protect Yourself from Scams, Hacks and Breaches

January 3, 2019

According to a telecommunications study of 50 billion telephone calls over an 18-month period, nearly four percent of calls in 2017 were fraudulent. In 2018, that number jumped to 29 percent of all calls. At that pace, the number of fraudulent calls is expected to rise to 44 percent of all calls in 2019.1 You…

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Social Security Updates

December 26, 2018

  Good news for retirees: Social Security benefits are scheduled to increase 2.8 percent in 2019, the biggest bump since the 3.6 percent increase in 2012.The average beneficiary – who received about $1,405 a month in 2018 – can expect to see just over $39 more each month, or about $468 more over the course…

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