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The Value of a Real Person Whenever new technology enters the world there are two inevitable emotions: excitement and fear. The thrill of new possibilities tempered by fears of new tech failing to live up to the hype. Take, for example: Robo-advisors. A great example of the complexities surrounding emerging…

  •   I Buy Everything Online -- Can’t I Just Get my Trust There, Too? Online or software-based programs that help you create an estate plan seem like a great idea. Lower cost! No in-person appointment that takes time from your busy schedule! Unfortunately, these perceived benefits often bring a great deal of cost and risk that the online shopper may not realize.   One of the main functions of an estate plan is to minimize expense and effort for you and your loved ones if you become incapacitated or die. However, minimizing the expense up front by considering cost or…

  •   Got Your Refund, Now What? Now, I’ve mentioned before that I’m not a fan of large tax refunds (see March 1 blog). In fact, if you are consistently getting a large tax refund, you should probably adjust your withholdings so you can dedicate that money to your financial why’s every paycheck. After all, allowing the IRS to hold your money is a bad investment. If you should find yourself receiving one, though, you may be wondering how best ways to use it. It’s only normal to be tempted to do some retail therapy or splurge on a fun experience.…

  •   Do Your Financial Risks Change Over Time? “Don’t invest and forget.” This is a common sentiment that advisors try to communicate to their clients. We understand the importance of having a solid financial plan, but the plan doesn’t serve you if you set it and then don’t check in with it for years. A financial plan is a living and breathing document. As your life changes, so should your plan because those life changes can cause changes in your goals and your risks. As you start your adult life, risks are generally low, and timeframes are typically long. You…

  •   Investing is for Everyone A generation or so ago, the path to financial freedom was pretty direct for most. You found a job and saved for a home and a rainy day. When it was time to retire, you collected from a pension and enjoyed your remaining twilight years. Over time, things have drifted away from womb-to-tomb employment and gotten a lot more complicated. Today’s Americans have to be much more proactive with their finances. In this day and age, saving isn’t enough. Make sure your money is working as hard as you work for it. There are a…



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