The cap has been tossed, the diploma framed, and now your high school graduate is officially a legal adult. Whether they’re college-bound, heading into the workforce, or taking a gap year to figure things out, turning 18 is more than…
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Individual Bonds vs. Bond Funds: Which One is Right for You?
When it comes to investing in bonds, you’ve got two main choices: individual bonds or bond funds. Both can provide steady income and diversification, but they work in very different ways. Some investors like the predictability of individual bonds, while…
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Social Security Changes Ahead: What the End of the Windfall Elimination Provision Means for You
2024 ended with some major changes – one of which was the passing of the Social Security Fairness Act. This bipartisan bill was designed to repeal the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO), two rules that…
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Separating Fear from Fact in Market Valuations, Taxes, and Social Security
Remember when we didn’t have access to breaking news every second? We’d wait for the newspaper or the nightly news to get information and then move on with our lives. Now, we are inundated with bulletins and can’t seem to…
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Optimizing Your Tax Strategy Before Year-End: A Quick Checklist
As the year wraps up, it’s a great time to take a closer look at your tax planning. If you’ve already built a strong financial foundation, this isn’t just about cutting your tax bill – it’s about making sure your…
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Understanding Withholding Options and Taxable Income for Retirees
As you transition into retirement, managing your taxes is one of the biggest challenges you’ll face. Retirees must be more proactive than when they were working and had taxes automatically withheld from their paycheck (or use an advisor 😊). This…
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Should I Invest a Lump Sum of Cash Right Away?
Whether you’ve just received a generous bonus, inherited money, or sold a business, deciding how to invest a lump sum can be tricky. Should you invest everything right away, even if the market feels unpredictable? Or should you ease in…
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