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Rethinking fixed income

Rethinking fixed income

Traditional investment thinking has always viewed bonds and fixed income as a “safe” haven away from the volatility of equities.  Equities, as we’ve discussed before, are thousands of companies (of various sizes) run by really smart men and women.  These companies are...

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The importance of goal setting 

The importance of goal setting 

Pop quiz: How are your New Year’s resolutions progressing?  Do you even remember what you resolved to change or improve?  So much has changed in the past 10 weeks that it may be difficult to reflect upon what was so important in early January.  I’m guessing that most...

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Planning for adult parents part 2 of 2 

Planning for adult parents part 2 of 2 

In our last post, we outlined the challenges that exist when planning for aging parents.  We covered several points that may help you better prepare for opening a dialogue to ensure mom and dad’s financial choices are optimized.  Here are some other conversation...

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Planning for adult parents part 2 of 2 

Planning For Adult Parents – Part 1 of 2

How do you assist aging parents with their financial decisions?  It’s natural not to discuss money, or other financial matters, with family.  This reluctance to share tends to increase with age, even though studies show our cognitive decision-making declines as we get...

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Go ride your bike!

Go ride your bike!

Friday May 15th was to be “Bike to Work Day” here in Northern Virginia, DC, and Maryland.  Unfortunately, it’s been cancelled but will be back, better than ever, next year (fingers crossed!).  If you haven’t been outside on your bike lately, you’re really missing some...

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How to fund the next home project?

How to fund the next home project?

Spending the past nine weeks at home may have you contemplating some capital improvements when life returns to normal.  Every project comes with a price tag, how you decide to pay for renovations small or large has an impact on your financial plan.  Let’s take a...

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Rethinking fixed income

Using an investment policy statement

There are many risks to assess in a financial plan.  In my opinion, the most underappreciated risk is purchasing power risk as it often sneaks up on you overtime.  Our brains view “risk” in a singular format and equate it to losing something.  For example, I “lost”...

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How to best utilize a 529 savings plan?

How to best utilize a 529 savings plan?

529 plans were created as a way to save for future college education costs.  There are various considerations when evaluating which 529 plan best suites your needs.  One option allows for selecting a prepaid tuition plan that locks in today’s college tuition costs. ...

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Where’s all the money go? 

Where’s all the money go? 

Now is a good time to reflect on current spending as we work and live from home.  Spending in some areas may be up while other discretionary spending is likely down.  It’s possible more cash has accumulated in your bank accounts as non-essential spending has declined...

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How strong is your safety net?

How strong is your safety net?

Every professional and family needs a safety net to protect what is important to them.  This “safety net” is unique depending on who you are, what you care about, and where you are in life.  Life moves quickly and it’s important to ensure your safety net is keeping...

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