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401k Motivation: Overcoming Generational Hurdles

by Curtis Steven Farrell Level 14
While many financial wellness programs offer a “one size fits all” solution, it’s important to be mindful that different age groups have different needs, and it’s very likely your workforce represents a fairly wide ...(more)
Comment   |  yesterday from Mission Viejo, CA
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The Equifax Data Breach: What To Do Next

by W. David Kern, CFP® Level 14
If you’ve been left scratching your head over the recent Equifax data breach, you’re not alone. The personal data of over 143 million American consumers is said to have been stolen – meaning, if you have a credit ...(more)
Comment   |  2 days ago
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Align Spending with Values

by Robert Rankin Schulz Level 6
I have the opportunity to review client spending patterns regularly, and it's one of the most important exercises in our client process. Very few of us voluntarily want to discuss spending on a line item by line item ...(more)
Comment   |  Sep 08, 2017 from Mansfield, TX
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Do nothing

by Luiz Augusto Pacheco Level 6
The Wall Street Journal has a very interesting article with Nevada Public Employees’ Retirement System fund manager, Steve Edmundson. He oversees USD 35 billion and gave his investment strategy: do as little as ...(more)
Comment   |  Sep 04, 2017
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Don't judge your value by your wallet

by John Stackhouse Level 8
Think back to being in grade school. The times when you had to work on an assignment or a project. Then came getting a grade on the work. Sometimes there were no grades but certificates, stars, or even smiley faces. You ...(more)
Comment   |  Sep 01, 2017
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When Borrowing Money Makes Sense

by W. David Kern, CFP® Level 14
At first glance, the data looks bleak: Nearly three-fourths of Americans are in some kind of debt. While that may sound troubling, consider that not all debt is bad. In fact, borrowing sums of money with a legally ...(more)
Comment   |  Aug 31, 2017
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How to Get Started on Estate Planning

by Douglas A. Boneparth, CFP®, MBA Level 6
For those Millennials (and Baby Boomers- don’t think you’re off the hook!) who own and home or have a family, estate planning is something you absolutely must do.  I see so many people avoiding it because they don’t ...(more)
Comment   |  Aug 18, 2017 from Manhattan, NY
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Our brains, as we age, and money

by Larry R Frank Sr Level 20
How well can we function at work as we grow older? Or continue to manage our money? Research that has looked at cross-sectionsas well as longitudinal groups of people have provided great insights to these ...(more)
Comment   |  Aug 09, 2017 from Roseville, CA
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The Value of a Financial Advisor

by W. David Kern, CFP® Level 14
An advisor can add up to 3% in net returns We’ve written before about the value of working with a financial advisor. In that post by James Lenhoff, he discussed how ‘the real value of a financial advisor is rooted in ...(more)
1 Comment   |  Aug 01, 2017
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What are the Phases of Retirement?

by Larry R Frank Sr Level 20
  What are the Phases of Retirement? I functionally label retirement into 3 Phases for couples: Phase I: Both of you are here. Phase II: One of you are here. Phase III: Neither of you are here. Each phase ...(more)
Comment   |  Jul 26, 2017 from Roseville, CA
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Complacency is not a strategy

by John Stackhouse Level 8
There is comfort in hitting a good stride. It is cozy when all is great at work, at home, the economy around you. It feels satisfying when we have the little gears of life running in order. It may be a combination of ...(more)
Comment   |  Jul 24, 2017
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What are some tips for managing my money?

by Dempster Robert Cherry Level 8
Either type or paste your guide content As with virtually all financial matters, the easiest way to be successful with a cash management program is to develop a systematic and disciplined approach. Spending a few ...(more)
Comment   |  Jul 23, 2017
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What is the best way to plan for your assets to remain within your bloodlines?

by Nicholas Joseph Scheibner Level 14
A 60-second read by Nicholas Scheibner:  When planning your estate, it is important to divide all of your accounts into two groups:  accounts with designated beneficiaries and accounts with no designated ...(more)
Comment   |  Jul 12, 2017 from Fair Lawn, NJ
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The Pros and Cons of FHA Loans

by Nicholas Joseph Scheibner Level 14
A 30-second read by Nicholas Scheibner: The federal government has provided home buyers with a few mortgage-buying options to help purchase a home.  Below are some of the Pros and Cons for Federal Housing ...(more)
Comment   |  Jul 12, 2017 from Fair Lawn, NJ
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The Pros and Cons of VA Loans

by Nicholas Joseph Scheibner Level 14
A 30-second read by Nicholas Scheibner: The federal government has provided qualified veteran home buyers with a few mortgage-buying options to help purchase a home.  Below are some of the Pros and Cons for Veterans ...(more)
Comment   |  Jul 12, 2017 from Fair Lawn, NJ
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10 Long-Term Care Terms You Should Know

by Nicholas Joseph Scheibner Level 14
A 60-second read by Nicholas Scheibner: As people are living longer, paying for health care costs is becoming a top concern.  Many people are beginning to consider if a Long-Term Care Insurance policy is best for ...(more)
Comment   |  Jul 12, 2017 from Fair Lawn, NJ
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What is the Best IRA for a Young Investor?

by Nicholas Joseph Scheibner Level 14
A 30-second read by Nicholas Scheibner:  Before deciding which kind of IRA to open, the first thing you would want to do is check with your employer about 401(k) offerings. If your employer provides any company match ...(more)
Comment   |  Jul 12, 2017 from Fair Lawn, NJ
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New Jersey Public Employees – Things to know about your Retirement Income

by Nicholas Joseph Scheibner Level 14
As public employees for the great state of New Jersey, there are some important factors to consider when it comes to your retirement income. Regarding Your Pension: New Jersey Pensions fall into two categories: “I ...(more)
Comment   |  Jul 12, 2017 from Fair Lawn, NJ
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NJ Tax Payers: Make Sure You Always Claim Your Medical Expenses

by Nicholas Joseph Scheibner Level 14
A 30-second read by Nicholas Scheibner:  New Jersey is certainly not known as a “tax-friendly” state.  However, the garden state has a much lower threshold on Medical Expense deductions than the federal government. ...(more)
Comment   |  Jul 12, 2017 from Fair Lawn, NJ
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What to do if you filed for Social Security and you changed your mind

by Nicholas Joseph Scheibner Level 14
(Est. Read Time: 40s) If you began taking Social Security before full-retirement age, and are looking to postpone payments until a later time, there is a solution: the 1-year payback rule. The 1-year payback rule ...(more)
Comment   |  Jul 12, 2017 from Fair Lawn, NJ
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