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Categories
Monthly Archives: January 2010
The True Purpose of Financial Planning
As a financial advisor, I’ve found my clients ask a broad range of questions concerning their financial situation. However, these questions are all elements of one basic question: “am I going to be okay?” Click here for a sample of the types of questions you should be asking yourself. Did you notice what the questions [...]
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Should I Take Distributions from my Taxable Account or IRA?
It is commonly considered sound financial planning to take withdrawals from taxable accounts before withdrawing money from an IRA. Assuming the funds have been invested at least a year, withdrawals from taxable accounts are subject to favorable capital gains tax rates (no more than 15%) as compared to IRA withdrawals that are taxed at ordinary [...]
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Benefits of a Financial Plan – Part 1
One of the primary purposes of a financial plan is to identify how clients can achieve their financial goals while exposing themselves to the smallest amount of risk possible. For instance, I recently worked with a couple who just transitioned into retirement. This couple was accustomed to living a lifestyle that required $72,000 of gross [...]
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The State of the American Consumer
The Financial Industry Regulatory Authority (FINRA) surveyed nearly 1,500 American adults, and found that nearly half of respondents have difficulty covering monthly expenses and paying bills. Of these, 14% said it was very difficult to keep their noses above water, and 35% said it was somewhat difficult. Finally, when it comes to financial literacy, 37% [...]
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4th Quarter Earnings
Fourth-quarter earnings results begin this week, and expectations are high. According to Thomson Reuters, earnings for S&P 500 companies are expected to nearly triple on a year-over year basis. For more information, click here.
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Retirement Planning Workshop at LaCaille – 1/27
Net Worth Advisory Group will be teaching a retirement and financial planning seminar at LaCaille on Wednesday, January 27th at 7:00 pm. Both those who are retired and individuals who will be retiring in the next 12 months are welcome. We will be covering many of the topics outlined in Ray LeVitre’s book (The Retiring [...]
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10-Year Performance Figures
I thought I would pass along these one and ten-year performance figures for various asset classes, which was published in the Wall Street Journal. A couple of observations: Many investors have known for a while that the decade could actually see stocks decline in value, but did we realize the S&P 500 was close to [...]
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A Great Start to 2010
January is often a great fortune teller. Since 1900, when the Dow is up in January, median gain for the year is 10.4%. When it is down in January, median gain for the year is .3%. The market got off to a great start, up over 1.5% during just the first half of the first [...]
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Synergy in Financial Planning