Defining Your Sectors
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The process of defining your sectors is an attempt to identify the quintessential features of your strategy and formalize your selection criteria.

The Asset Allocation Within Your Asset Allocation
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It is good to take the two categories which are most similar and use them as underlying sector divisions within the same larger asset class.

Your Asset Allocation Should Be Priceless
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The value of not running out of money when making withdrawals cannot be measured.

The Art of the Rebalancing Bonus
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Portfolio design and rebalancing is both a science and an art. Knowing that rebalancing boosts returns is useless unless you as the investor follow through.

The Science of the Rebalancing Bonus
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Rebalancing can both boost returns and lower volatility, but most investors do not understanding how.

Schwab Intelligent Portfolios: Services Not Provided
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A computer algorithm cannot help you with these things.

What Does It Mean To Be A Fee-Only Fiduciary?
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Most investors are not aware of an important separation in the professionals of the financial services industry.

Three Reasons To Engage In Gift Giving
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The new holiday cliché is to complain about hyper-materialism, but gifts and gift giving help shape our identities.

Appreciating Donor Advised Funds
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There are five ways that both you and the government could make charitable giving more significant.

The Wealth Of Nations Is Their Freedom
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“When institutions protect the liberty of individuals, greater prosperity results for all.” – Adam Smith

How to Open a Roth for Your Child
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Someone has to be proactive about your child’s retirement and every year you don’t open a retirement account is another year you’re holding back compound interest.

The Benefits of Saving and Investing Early
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Any money you put away and invest now will have the longest time to grow, due to the magic (or actually, the mathematics) of compound interest.

Fourteen Ways to Avoid Paying Capital Gains
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The capital gains tax traps wealth in an investment vehicle requiring special techniques to free the capital without penalty.

What is a 1031 Real Estate Exchange?
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Despite their complexity, these exchanges have the potential to save vast amounts of money.

The Ideal Retirement Plan Advisor
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Our firm decided to become a 3(38) investment manager because playing this role offers our clients administrative relief. By taking on the role of a 3(38) adviser, we accept responsibility for selecting a prudent investment strategy.

Microfinance: Loans That Change Lives
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With as little as $25 you can begin loaning money to developing world entrepreneurs.

Every Business Should Start a 401(k)
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The president’s hope to restrict the plans should actually make owners more interested in creating one.

Retirement Planning
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Retirement Planning is perhaps the single most important goal of comprehensive wealth management.

The Complete Guide to Your Washing Machine
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The complete guide to saving money while washing your clothes. How much does my washing machine cost me? What temperature should the water be? What cycle should I use? What detergent should I use? What’s best for my clothes?

Essential Financial Advice for College Graduates
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As the wife of a 2013 college graduate and a 2012 college graduate myself, I can boldly say this was the most helpful advice given to me.

Gold, Silver and Resource Stocks
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The optimum asset allocation to physical gold and silver is 0%. Instead, we recommend you use resource stocks as an inflation hedge.

Tax Planning
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A dollar saved on taxes is worth more than a dollar earned. If you earn another dollar, they will just tax you again.

Financial Planning Lessons from Downton Abbey: Part 2
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Lord Grantham, the master of Downton Abbey, continues to offer insightful financial lessons as he bumbles his wealth management responsibilities.

Financial Planning Lessons from Downton Abbey
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As a financial advisor, season 3 of Downton Abbey has become the most interesting as deep-level financial tension has begun to infiltrate the Crawley family drama.

Live Long and Prosper
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It’s not just Mister Spock who is living a long life. Japanese Jiroemon Kimura’s nearly 116 years, making him the oldest man in modern recorded history, is a reminder to have a retirement income plan that will last over the long haul.

Financially Savvy Kittens on Net Worth
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This kitten knows what she’s worth. Be more like this kitten.

Seven Tax-Planning Strategies to Dodge the Tax Bullet
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The victors in the recent election have declared it open hunting season on the rich, which they evidently believe will solve our spending problems. Tax hikes everywhere are aimed at the most productive members of society.

The Ring of Fire – Part 2
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“Unless we begin to close this gap, then the inevitable result will be that our debt/GDP ratio will continue to rise, the Fed would print money to pay for the deficiency, inflation would follow, and the dollar would inevitably decline.”

Marshmallows and Investing?
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Parents take note: Research on delayed gratification shows connections from children through adulthood.

Assuming a Will is All You Need–Mistake #2
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No matter your age, in addition to a will, you need two additional documents.

Not Having an Estate Plan–Mistake #1
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The worst thing you can do is to do nothing at all and assume everything will pan out in the end. No matter how much (or how little) money you have, you need at least a simple will.

How Much Should I Have Saved Toward Retirement?
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Measuring progress regularly on the path toward retirement is critical. Fall too far behind, and you risk not being able to save enough to catch up. There is no downside to arriving early.

How Much Should I Save Toward Retirement If I’m Starting Late?
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Knowing how much you should save for retirement is critical. But what if you are late getting started? The longer you delay, the shorter the time that compound interest can do its magic on your savings.

Suddenly Wealthy
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Studies show that onetime windfalls can actually impoverish you. They make you feel rich, which inevitably leads to overspending. But wealth is what you save, not what you spend.

A Progressive Tax Code is Economically Destructive
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Most Americans assume a progressive tax code is needed to promote equality and remove some of the burden of other taxes on those with the lowest income. But the progressive nature of the tax code changes behavior in many ways.

How Much Should I Save for Retirement?
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You should save 15% of your take-home pay for retirement over your working career. As your situation varies, you must adjust your safe savings rate.

How keeping your money “safe” might lose half of it in 16 years.
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“Anyone who’s bought gas, paid a medical bill or sent a child off to college recently knows that the Consumer Price Index doesn’t tell the whole story of inflation.”

Smart Tax Planning for the Gap Years
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Many families seek financial planning advice specifically for retirement. But if they wait too long, they miss an important tax-planning opportunity. A great strategy is to take advantage of the time between retirement and Social Security at age 70, the so-called gap years.

Squirrel Away Money While You Can
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Franco Modigliani won the Nobel Prize for a simple technique that squirrels know intuitively from birth. You have to squirrel away some nuts during times of plenty so you can survive during times of scarcity.

What Equality Should We Seek in Society?
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Studies suggest that brains may be wired with either a utopian or a tragic view of the world, corresponding roughly to liberals and conservatives. We continue to talk past each other in political debates.

What Is Comprehensive Wealth Management?
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Advisors who offer comprehensive wealth management are like financial concierges. Their only goal is to meet your needs. If you ask for fresh strawberries, they try to find them for you.

Tax Efficient Investing
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It can be useful to maintain a grid where all of the available asset classes are arranged in order, by tax efficiency and potential return based on time horizon, so clients can clearly see when and where tax-deferral can offer the greatest benefits.

Are Investment Management Fees Tax Deductible?
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I often get asked, “Are investment management fees tax deductible?” The answer is not a simple “yes” or “no.” Like many tax questions, the answer is “It depends.”

A fiduciary standard is good, old-fashioned common sense
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“Unfortunately, some are also misleading the public by saying that a fiduciary standard would prevent the delivery of financial services to middle-American Main Street investors.”

How Do Financial Advisors Earn Their Fee?
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Investment fees are generally about 1% of assets under management and drop as assets rise. The critical question to ask is “Where do financial advisors add value that might exceed the 1% fee they charge?”

What is an Accredited Investment Fiduciary?
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Fi360 promotes a culture of fiduciary responsibility and improves the decision making processes of investment fiduciaries and other financial service providers.

Fee-Only Financial Planner: What’s the Difference?
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Fee-only financial planners are registered investment advisors with a fiduciary responsibility to act in their clients’ best interest. They do not accept any fees or compensation based on product sales.

Securing Your Credit
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A U.S. Public Interest Research Group report in 2004 found that one in four credit reports have serious errors that could significantly lower your chances of being approved.

Investing in gold and silver coins
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A large number of people in the United States are worried about our profligate spending and the resulting devaluation of our currency. They are worried about politics and socialism and the economy.

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