The Complete Guide to Creating an Investment Plan
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This is a summary of the six steps required to create a well-crafted investment plan.

Reasons to Keep a Local Bank Account
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Investment brokers like Schwab offer many services local banks offer but there are a few reasons why you might want to resist consolidating all of your accounts to a broker.

Start Early on Retirement Planning
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Retirement planning should begin the moment you receive your first paycheck.

How Roth Conversions Are Reported to the IRS
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The Internal Revenue Service (IRS) is notorious for misunderstanding the recharacterizations of Roth conversions.

Six Creative Beneficiary Designation Ideas
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These are just some examples of the creative beneficiary designations, but the important part is to dream big about what your wishes are.

Understanding Your IRA Required Minimum Distributions (RMDs)
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After you reach the age of 70 1/2, the IRS requires you to begin taking minimum distributions from your traditional retirement accounts.

How to Factor Social Security into Your Safe Withdrawal Rate
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Carefully computing and adding your Social Security early retirement safe withdrawal rate can safely boost your early retirement standard of living without jeopardizing your future finances.

Why You Should Use a Donor Advised Fund
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We highly recommend a Donor Advised Fund for generous investors.

Small Changes Have Large Effects Over Time
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A swimmer takes one stroke at a time and yet makes great progress.

How Frequently Should I Redo My Estate Plan?
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Here are the most common reasons that your plan might need to be updated or revised and what to do about them.

When Should You Stop Funding Your HSA?
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You’ve opened your HSA and funded it for several years. When should you stop funding it?

How to Keep Your Identity Safe Online
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Here are some rules for handling your digital security.

Which Retirement Account Should I Fund?
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Which account you should fund depends on your circumstances, but here are some general guidelines you can follow to make your decision.

Steps for Getting Out of Debt
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I have outlined some steps to help you figure out how to pay down your debt and get back on track.

How Much Umbrella Insurance Do I Need?
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Umbrella insurance covers you for liability that goes above and beyond your auto and homeowners insurance.

Is Graduate School a Good Investment? Here’s the Formula.
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Your future path is sure to take many unexpected twists and turns, but you should run the numbers. Your future self will thank you.

How Quickly Should I Pay My Student Loans?
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For those who do not want to be investors, a fast-track repayment may be best. But for those willing to save and invest, there is a better option.

How to Intentionally Realize Capital Gains
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Careful tax planning can avoid much of the capital gains tax.

How to Select Securities
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Your investment strategy is critically important but the implementation requires wise fund selection.

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.

How To Divide An Inherited Account Evenly
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There is no accounting for how many heirs an account might need to be divided among in an estate plan. Here are the best practices for how to divide the estate.

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.”

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