We’ve all heard it. The financial analogy about the Starbucks latte, how much it will cost you in the long run, and how if you just saved that $5 a day, you’ll be able to retire on that money when…
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Don’t Plan for Retirement Like I Planned for Disney
In February 2024, my wife Susie and I decided to take our kids on an impromptu trip to Disney World. It was a spur-of-the-moment decision, and we only started planning the trip eight days before our departure. Little did we…
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70% of Retirees Have this Money Worry
In March 2024, CBS News reported that “millennials could become the richest generation ever by 2044.” This is thanks to the $90 trillion in assets predicted to flow from one generation to the next. This transfer of wealth is a…
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Should Retirees Add Bitcoin ETFs to Their Portfolios?
In recent years, cryptocurrencies have brought about a wave of financial innovation, including the introduction of Bitcoin Exchange-Traded Funds (ETFs). These investment vehicles offer a convenient way for individuals to gain exposure to digital currencies without directly holding them. However,…
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Utilizing NUA Stock Treatment: A Smart Strategy for Pre-Retirees
For employees approaching retirement with company stock in their 401k, it’s crucial to consider your eligibility to use Net Unrealized Appreciation (NUA) rules before you retire or otherwise reach a triggering event. If you purchase or are awarded company stock…
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Navigating the Markets: The Significance of Major Events and the Big Financial Picture
With all the ups and downs the market has experienced (with a splash of inflation thrown in), it’s not unusual for financial planning clients to question their portfolio performance. And we understand that – the last few years have brought…
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The Joys and (Financial) Challenges of Having Kids Later in Life
Bringing a bundle of joy into your life is a magical experience, regardless of when it happens. However, as more and more couples choose to delay parenthood, there’s a growing conversation about the financial implications of having kids later in…
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