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What is tax diversification? Part 2 of 2 

What is tax diversification? Part 2 of 2 

In our prior post we covered the three tax environments in which your investments live.  Tax-diversification is the act of managing these environments as you accumulate wealth today and also as you distribute income tomorrow.  Problems may arise when your approach...

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What is tax diversification? Part 2 of 2 

What is tax diversification? part 1 of 2. 

Tax diversification plays a key role in our conversations and planning with clients.  We recognize tax considerations can change frequently and, if not properly monitored, can take a larger bite out of your income and investments than you’d like.  When you invest, it...

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What are the ingredients to a financial plan?

What are the ingredients to a financial plan?

Financial planning is a lot like baking a cake or making a batch of cookies.  Most recipes will use similar ingredients such as flower, sugar, and milk.  However, there is still quite a bit you can customize, substitute, or make your own.  Some of this comes in the...

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April is Financial Literacy Month

April is Financial Literacy Month

April is financial literacy month and it couldn’t arrive at a better time.  Given our current circumstances and being hunkered-down at home, its natural for your financials to receive less attention than they deserve.  There are several steps, outlined below, that may...

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How your mortgage can impact your financial plan

How your mortgage can impact your financial plan

It’s likely your mortgage payment may be the largest essential recurring expense in your financial house.  It can be surpassed temporarily by childcare expenses with a young family.  The good news is that kids grow up and childcare expenses will eventually evaporate...

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April is Financial Literacy Month

Suggested reading

I love to read and I wanted to share a great book with you.  In light of all the volatility we’ve seen recently, I thought some reflection may be helpful.  I really enjoyed reading A History of the United States in Five Crashes: Stock Market Meltdowns that Defined a...

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Talking to your kids about money

Talking to your kids about money

I’ve written a fair bit about planning, investing, and good financial behavior for mom and dad, but what about the kids?  Here’s a list of ideas to share with your kids in an effort to grow their knowledge on the topic of money and investing. Pay your kids an...

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What does it take to become a successful investor?  Part 3 of 3

What does it take to become a successful investor? Part 1 of 3

So, what does it take to become a successful investor?  Big income, advanced degrees, studying financial literature, or trading your way to larger account values?  Turn on the tv, radio or check your news feed and it’s easy to be influenced into thinking that this is...

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