Picture this: You’re huddled around the TV with friends, snacks everywhere, frantically checking your March Madness bracket as another underdog pulls off an upset. Your carefully crafted picks – based on stats, gut instincts, and maybe a little superstition –…
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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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Lost 401(k) Accounts? Find Them in the Retirement Savings Lost and Found Database
Back in the day, many people found a job in their 20s and stuck with it until they could retire and claim their pension. However, times have changed, and according to recent data, the average person in the United States…
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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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Charitable Giving with Donor-Advised Funds and Charitable Trusts
Charitable giving is a meaningful way to make a difference in the world while also reaping potential financial benefits. For individuals and families with significant wealth or a desire to create a lasting philanthropic legacy, donor-advised funds (DAFs) and charitable…
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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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Should You Use Life Insurance As a Retirement Savings Vehicle?
First, permanent life insurance is needed when you need it. Business owners, individuals and families with special circumstances (special needs children, large estates), and high earners may generally benefit from having permanent insurance. You’ve perhaps been pitched on the benefits…
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