The End of Social Security, NOT!

Archive for November 2014

The End of Social Security, NOT!

I laugh every time I hear someone say “Social a Security is not going to be there when I retire…that it is bankrupt… nothing but a Ponzi scheme that is doomed”. Well, it is a Ponzi scheme, but with two very unique components. First, the people who prosecute Ponzi operators are the creators of Social…

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I see the Light of Retirement

I see the Light of Retirement You are scheduled to retire on July 1st 2015, and the excitement is building, but before you get too excited make sure you have your bases fully covered. Before retiring consider 4 key issues, to include: medical, income, debt, identity. Medical planning is probably the most important issue to…

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Surviving the Chopping Block

Regardless of the positive trend of the U.S. economy, the threat of being a victim of company downsizing keeps many Americans awake at night pacing, wondering; Am I next? Can my family survive the loss of income? How can I keep myself from the chopping block? Unfortunately, in most cases, there’s not much an employee…

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Roth IRA’s

Stated simply, if you have cash in banks or assets in taxable brokerage or mutual fund accounts, but you do not have a Roth IRA, you are missing a tremendous opportunity. This article can end on the power of that one statement, but the advantages of the Roth IRA warrant further explanation. First, if we…

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Medical Bill Woes

According to a CNN report, 49.9 million Americans were without medical insurance in 2010. To seal the gap between those insured and uninsured the government signed the Affordable Care Act that requires every American to be covered by medical insurance or Medicaid. Unfortunately the complexity of the Act has many scratching their heads about coverage…

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The Foundation of all Financial Planning

When first entering the practice as a personal financial advisor I thought I understood financial decision making. It was easy: 1 plus 1 equals 2; add another 1 and we get 3. Financial Planning was logical and straightforward economics. If someone was in debt, the solution was to have them spend less and pay debt…

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