The Consulate Journal: Our Financial Blog

The Consulate Journal is our written blog, dedicated to educating our audience on a wide range of topics.  Sometimes we’ll be sharing our financial planning philosophies, and other times sharing our views of money and its place in our lives.  Most often, we’ll be sharing specific and actionable financial planning strategies that we use with our clients. 

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The Higher Purpose of Money

December 11, 2018

The bee seems like a simple insect, but without its ability to pollinate plants, we would most likely starve. Water seems simple enough, but it is the source of life to all living organisms. Air is nothing more than a…

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 IRS Notices: Potential Waste of Time

November 27, 2018

The Internal Revenue Service (IRS) uses algorithms (i.e., computer program applications) to examine the data that it receives and then fires off notices to taxpayers to explain distributions from individual retirement accounts (IRAs) and other forms of retirement accounts. When…

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A Legacy of Burden

November 13, 2018

My grandmother loved history, especially our family history. As a genealogist in the time before computers, she painstakingly researched our family tree, taking trips to the birthplaces of our ancestors, collecting history, and compiling it in her library. She was…

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Opening an Online Savings Account: Is It for You?

October 30, 2018

This article discusses a matter that we at the Financial Consulate recommend for nearly all of our clients. The subject matter will differ from what we have discussed in previous articles, in that as the author, I am going to…

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Retirement Options: Lump Sum Versus Pension

October 16, 2018

When preparing for retirement, you may be faced with a decision that will launch you into the next chapter of your life: your company retirement plan may offer a lump sum or pension option upon retirement. Choosing the right option…

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Protect Your Children from Identity Theft

September 25, 2018

With the growing prevalence of technology in our daily lives, identity theft is becoming an increasingly more common occurrence. The Financial Consulate strongly recommends mitigating the risk of identity theft by utilizing the following recommendations: Check your credit report at…

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The Snowball Effect: Investing in a Roth IRA

September 11, 2018

As a financial advisor, I know of no reason (other than lack of funds) why one should not invest in a Roth IRA. If you have available cash in the bank, then it would be a good idea to transfer…

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