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Financial planner vs financial advisor. What is the difference? First, what is a financial advisor? Your parents or your grandparents probably had a stock broker. Someone who suggested which shares of companies would be good investments. The stock broker was probably notRead more
A Roth IRA account is a great way to create a million dollar retirement. Types of IRAs – There are two main types of IRAs, a traditional IRA and a Roth IRA. The taxes on these two accounts work differently. Contributions to a traditional IRA are taxRead more
Businesses use consultants to provide “objective advice and assistance relating to the strategy, structure, management and operations” of their organization. Consultants are paid to analyze the business, a project the business is considering (like expanding to new territory), or a situation itRead more
Should you open a SEP IRA or Simple IRA if you are a one-person business? This review is for a one-person business whose owner is age 50 or over. It is NOT from the point of view of a small business with a fewRead more
Before trying a new place or making a purchase, you probably look for online reviews on sites like Yelp, Amazon and Google. You have probably tried reading reviews of financial advisors and financial planners but it didn’t help much. This is because financial advisors have not been allowedRead more
I am writing today to make you aware of some things that are going on behind the scenes that are contributing to the current stock market sell off. Last week I went to the Fixed Income and Dividend InvestingRead more
Happy New Year, and welcome to market prediction season! At this time of year, every Wall Street firm and business magazine puts out their predictions for the stock market’s upcoming year. After much analysis and secret sauce, they come upRead more
With summer approaching, now is a good time to compile a list of the top vacation destinations for the Summer of 2017. This list is unlike any other, however. Rather than finding you the hip and trendy places being promotedRead more
Will your Social Security payments cover your retirement lifestyle? Do you plan to rely on Social Security for most of your retirement income? Most people have no idea how their future social security payments compare with their current income. IfRead more
Need more energy? Looking for less worry and stress in your life? Feel like you don’t have the time you used to? Well the solution may be to sell or donate a lot of your possessions. Just having possessions meansRead more
Social Security Survivors benefits are paid to widows, children, parents and ex-spouses of covered workers. The Social Security program actually consists of three benefit programs that make payments for various reasons. They are: Retirement benefits, Disability benefits, Survivors benefits. ThisRead more
With mortgage rates at near record lows, now may be a good time for a mortgage refinance, especially if your rate is 4.5% or higher. Instead of starting a new 30 year period of debt however, have you thoughtRead more
The U.S. Treasury allows you to schedule your future estimated tax payments up to a year in advance using its EFTPS. This is a very handy service for people who have to make Form 1040-ES estimated tax payments in April,Read more
Health Savings Accounts (HSA) are a smart way to establish an extra source of funds you can tap into to cover medical expenses later in life. You can use the funds immediately, but the true benefit comes after giving theRead more
Yesterday I answered a press request asking about when is the best time to start saving for retirement. The standard answer is as early as possible. This comes from the idea that having more years to compound your returns willRead more