In honor of Mother’s Day we are going to share some of our favorite memories with our mom’s.   Michael D. Reese, CFP – President & Owner Favorite Memory: When I was a kid, maybe 8 or 9 years old, my Mom was the neighborhood “Kool-Aid” Mom.  What that meant to us was that during…

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Lower Your Expectations for Returns Over the Next Decade By JOHN WAGGONER, Senior Associate Editor January 2, 2019 Kiplinger Article   Most financial pundits will tell you that the average annual return from large-company stocks since 1926 is 10.1%. If your investment horizon is a very long way off, you may well get that much. Over…

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  Focus on Protecting Your Nest Egg Once You’re Retired PUBLISHED June 26, 2019 By RoBy KEN MORAIF, CFP®, CEO and Senior Adviser Kiplinger Article   If you’re like most investors, you’ve focused on making money for most of your financial life. But once you’re retired or close to retirement, I believe you need to shift…

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Money Won’t Always Follow What You Love PUBLISHED January 2018 By Ross Levin Financial Advisor Article   I was feeling energized for my five meetings that day. One was with a couple who had started two successful nonprofits since their retirement. One was with a client who had a charitable foundation. Another was with a…

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Less Estate Tax Planning May Be Better for Longer-Living Rich PUBLISHED April 24, 2019 By Allyson Versprille Bloomberg Tax Article   Longer lifespans mean people could give away too much, too soon Making trusts more flexible can help Terms like “reverse estate planning” and “backdoor spouse planning” are becoming part of the new lexicon for estate…

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How Do You Define Retirement? PUBLISHED Monday, April 15, 2019 By John Wasik Forbes Article For my parent’s generation, who worked diligently after World War II, defining “retirement” was easy. You simply stopped working altogether and devoted most of your time to leisure pursuits. Bolstered by fixed, defined-benefit pensions and Medicare, the “Greatest Generation” often…

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123RF images A Roth 401(k) Offers Tax Advantages PUBLISHED Tuesday, April 23, 2019 By Diahann Lassus@DIAHANNLASSUS CNBC ARTICLE Investors hear a lot about the importance of diversifying their retirement portfolio. Having the right mix of small and large caps, U.S., international, bond and alternative investments is critical to your long-term success. But what about tax diversification?…

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  Getty Images How Worried Should I Be About The ‘Tax Torpedo’? Navigating taxes in retirement can be tricky. Here’s what to look out for, especially when it comes to the tax hit you could take on your Social Security benefits. PUBLISHED April 25, 2019 By ROGER A. YOUNG, CFP®, SENIOR FINANCIAL PLANNER KIPLINGER ARTICLE For…

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  5 Ways to Increase Your After-Tax Spendable Income – and Legacy PUBLISHED May 16,2019 By JERRY GOLDEN, INVESTMENT ADVISER REPRESENTATIVE, President KIPLINGER ARTICLE Over dinner with friends a few nights back, they expressed concern about how the recent tax law changes increased their federal income taxes. New rules limit the amount of property and state income…

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  Why Working Till Whenever Is a Risky Retirement Strategy PUBLISHED May 16,2019 By Mark Miller NEW YORK TIMES ARTICLE   Cleo Parker had a simple plan before retiring: She would work well into her 60s as a marketing analyst in the automotive business. But recently, she has been searching for a Plan B. In 2006, just…

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