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Blog

IRA Basics

Individual Retirement Accounts (IRAs) are a crucial component to many retirement plans. There are two major types of IRAs available. Different IRAs apply to different circumstances in your career and your financial plan. The advice of a financial professional is crucial in choosing the right one.
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Roth IRA Conversions: Right for You?

So now that you can convert, the new question becomes should you convert. The answer depends on a large number of variables, some of which require some educated guesses about the future of the tax system and your own situation. Because of the complexity of these factors, you should discuss your individual situation with your tax and investment professionals before finalizing your decision.
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Budgeting: A Lifelong Necessity

Budgeting requires determining all of your expenses and that includes much more than just your monthly bills. To be financially smart, it is best to start with a budget as it is an effective way in helping you save and spend wisely. Start your budget planning process as soon as possible, but know it will likely take at least six months to a year of tracking all of your expenses before you'll have a clear understanding of where all your money goes.
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Investing for the Future: Understanding Asset Allocation

Saving on your own is great, but it can take twice as long (and twice as much) to save for retirement (or even major purchases) if you don’t pursue investment options.
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The Wobbly Stool

The “three legged stool” has long been the approach to retirement planning. But many Americans don’t even have a stool, and for some who do, the stool is becoming a bit shaky. The “three-legged stool” is considered the basic model of retirement savings. It’s a metaphor that has been used since the late-1940s as a way to describe saving for your future.
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Calculating Your Post-retirement Income, Post-haste

Do you know how much money is enough for retirement? We’ll show you how to find out. “Time waits for no man” – Ancient Proverb
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Budgeting For Your Retirement

Retirement planning requires determining your retirement expenses, and that starts well before you retire. Start your budget planning process at least five years before you plan to retire to help you determine whether you'll have enough accumulated to actually afford retirement. Begin by drafting an entire retirement budget. Estimate how much money you will need to meet your expenses and still have enough left to meet a standard of living you will enjoy.
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Collect Later, Collect More

Many Americans collect Social Security benefits early and face reduced payments, but by waiting until their official retirement age, they could receive full benefits.
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Sit. Stay. Rollover.

With just some basic preparation, you and your financial planner could have your retirement fund trained to overcome obstacles with the grace of a champion pedigree. Is it possible to train your retirement plan? We think so.
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Saving for the Future

Saving for the future doesn't just mean saving for retirement. It may mean saving for your children's education or saving for children in general. It may also mean savings for a vacation or upcoming major purchases ranging in price from a new home to a new TV. And perhaps most important, it means savings for the unexpected. While you may not be ready to think about retirement just yet, you should be doing more than just thinking about saving for the future.
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Are You Confident Your Investments Are Positioned to Support You?

With market swings seemingly the new normal, most investors are scrutinizing their investments and associated costs like never before. More importantly, they’re feeling increasingly uncertain about being on track to reach their financial goals. What better way to help calm uncertainty than by getting a second opinion?
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Delay Receiving Social Security to Increase Benefits

Many Americans now think of retirement as something that automatically happens when they reach 65. However, some may be able to afford to retire sooner, while others may want to work longer to save more. Regardless of when you want to retire, you should consider delaying Social Security benefits until 70 if you can.
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Retirement Will Happen: Be Prepared with Your Own Savings

Most comprehensive retirement plans include some sort of employer-sponsored retirement plan such as a pension plan or a 401(k), especially if you can get an employee match. But your retirement strategy should also include your own personal savings plan such as an Individual Retirement Account (IRA). While you may feel retirement is still decades away for you, you should be saving for the inevitable today by using tax-advantaged accounts. 
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3 Major Retirement Hazards to Avoid

Retirement can mean the beginning of a new life. Here are a few common dangers to avoid. Retirement planning is a tricky process, one that requires careful planning and patience. But even if you have a retirement plan with a clear set of financial and lifestyle goals, it’s important to be aware of several common missteps that many fall victim to.
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Check the background of this financial professional on FINRA's BrokerCheck