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Journalism 101 Meets Personal Finance 101

by Larry R Frank Sr Level 20
Most people invest willy-nilly (without any planning or order). Taking some basics from journalism may help most people get better results (expectations) when they approach investing. Answers to questions about Who? ...(more)
Comment   |  Jul 17, 2019 from Roseville, CA
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You Don't invest To Make Money

by Christopher Scott Tomolonis Level 6
As I reflect upon my 11 year old daughter after her last Lacrosse practice of the 2019 season, I can’t help but relate her journey to investing. You see it was 5 years ago that she walked on to the lacrosse field for ...(more)
Comment   |  Jun 11, 2019
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What age should retirement be planned to?

by Larry R Frank Sr Level 20
One of the big discussions in the profession is choosing the age retirement should be planned to. Should it be age 95? Age 100? Some other age? Here’s a good brief discussion on the implications of choosing an age: ...(more)
Comment   |  May 24, 2019 from Roseville, CA
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Is your 401(k) Education Program Helping or Hurting Participants?

by Curtis Steven Farrell Level 17
If you were to call an impromptu employee education meeting and quiz your employees on a few 401(k) basics, how do you think they would fare? Would they know the answers to questions like: “At what age can you withdraw ...(more)
Comment   |  May 21, 2019 from Mission Viejo, CA
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5 Steps To Get Your Financial House In Order

by Gregory M. Hart, CFP® Level 6
Have you ever been asked, “What’s your money personality?” It’s not a question many of us have ever been verbally asked before, much less stopped to consider how to answer. Does the thought of updating your budget and ...(more)
Comment   |  Apr 20, 2019
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Don’t Panic: Stock Market Fluctuations are Normal

by Curtis Steven Farrell Level 17
Nothing is more unsettling than a roller coaster stock market, which can send participants into panic mode as they nervously watch wild dips in their 401k plans. Always remember the time-honored saying: it’s a ...(more)
Comment   |  Mar 13, 2019 from Mission Viejo, CA
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The Illusion of Steady Income?

by Larry R Frank Sr Level 20
  Most people have the illusion that they have steady income. This is another example of recency bias (as it relates to income in this post) where people have become accustomed to their current income and forget it ...(more)
Comment   |  Feb 26, 2019 from Roseville, CA
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HOW TO BEST USE YOUR 529 WHEN PAYING FOR COLLEGE

by Stephanie Leigh Bacak Level 8
If you have accumulated fund in your child’s 529, congratulations! You are probably a member of the elusive Savers who plan ahead and hate debt. A savers’ immediate instinct is to use all the designated savings ...(more)
1 Comment   |  Jan 24, 2019
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Why You Spend Too Much

by Stephanie Leigh Bacak Level 8
Sure, there’s the rush of buying, but why?   It boils down to the Diderot Effect.   In 1763 philosopher Denis Diderot was paid a large sum of money for his library by Catherine the Great.   He purchased a ...(more)
Comment   |  Jan 24, 2019
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DELIVERING BENEFITS YOUR EMPLOYEES ACTUALLY WANT

by Curtis Steven Farrell Level 17
4 tips for forward-thinking plan sponsors As we settle into the new year, we tend to opt for positive change and set goals for near-term improvement like shedding a few pounds or learning a new skill. But what about ...(more)
Comment   |  Jan 24, 2019 from Mission Viejo, CA
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Retaining key employees: Stay Bonus

by Andrew Martin Level 12
Business owners often express how hard it is for them to attract and retain talented employees who are key to business operations. I just spoke with a client this morning who told me “we recently lost a very key ...(more)
Comment   |  Jan 21, 2019
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Using the IRA/LLC Structure to Invest in Real Estate

by Andrew Martin Level 12
One of the more popular ways to use your self-directed IRA to invest in real estate is by using the IRA/LLC structure. A self-directed IRA requires using a custodian which is responsible for holding and administering ...(more)
Comment   |  Jan 21, 2019
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Invest in Real Estate within Your IRA

by Andrew Martin Level 12
Self-directed IRAs are a little known tool which allows you to invest in real estate (among other things) and get all of the tax benefits that an IRA gives you. There are several qualified retirement plans that you can ...(more)
Comment   |  Jan 21, 2019
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The Master File: The Estate Planning Piece Most People are Missing

by Andrew Martin Level 12
The reason most of us have an estate plan is to make things as stress free as possible for those we leave behind. That’s why we spend the time and money necessary to get our estate planning documents in order and make ...(more)
Comment   |  Jan 21, 2019
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HSAs, One of the Best Ways to Save for Retirement

by Andrew Martin Level 12
Health Savings Accounts are perhaps one of the most underutilized retirement planning tools available. HSAs are arguably one of the most tax friendly ways to save for retirement since they offer a “triple tax benefit”. ...(more)
Comment   |  Jan 21, 2019
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A Broken 401(k) May Cost You Dearly

by Ramiro Marmolejo Level 6
One of the most popular employee retirement benefits is the 401k account, but why do companies offer 401ks to their employees? After conversations with hundreds of business owners and corporate executives, the reasons ...(more)
Comment   |  Jan 07, 2019
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Thoughts on Small Business Succession and Sale

by Carlos P. Sava Level 13
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Comment   |  Dec 14, 2018 from Arlington, VA
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2019 401k Contributions Announced

by Nathan Garcia, CFP® Level 16
  For more info visit https://myretirement.tv(more)
1 Comment   |  Nov 09, 2018
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Time for Advisors to Focus on Income Funds?

by Charles H. Self III Level 17
As we experience the last act of this equity bull market, advisors are looking for places to protect client funds with a potential of earning returns greater than that available from cash equivalents. As the chart below ...(more)
1 Comment   |  Sep 26, 2018 from Appleton, WI
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What Pension Options Do Teacher's Have?

by Nathan Garcia, CFP® Level 16
https://www.youtube.com/embed/FRSeLKarJww?start=5    (more)
Comment   |  Sep 24, 2018
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