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  Got Your Refund, Now What? Now, I’ve mentioned before that I’m not a fan of large tax refunds (see March 1 blog). In fact, if you are consistently getting a large tax refund, you should probably adjust your withholdings so you can dedicate that money to your financial why’s…

  •   Do Your Financial Risks Change Over Time? “Don’t invest and forget.” This is a common sentiment that advisors try to communicate to their clients. We understand the importance of having a solid financial plan, but the plan doesn’t serve you if you set it and then don’t check in with it for years. A financial plan is a living and breathing document. As your life changes, so should your plan because those life changes can cause changes in your goals and your risks. As you start your adult life, risks are generally low, and timeframes are typically long. You…

  •   Investing is for Everyone A generation or so ago, the path to financial freedom was pretty direct for most. You found a job and saved for a home and a rainy day. When it was time to retire, you collected from a pension and enjoyed your remaining twilight years. Over time, things have drifted away from womb-to-tomb employment and gotten a lot more complicated. Today’s Americans have to be much more proactive with their finances. In this day and age, saving isn’t enough. Make sure your money is working as hard as you work for it. There are a…

  •   Why You Don’t Want a Big Tax Refund A tax refund isn’t winning the lottery. It isn’t a gift. It’s the return of your money, money that you’ve earned that the government has been holding. At a time when you need your money to be working for you, you can’t afford to have your money do nothing, not even earn interest. Rather, your money needs to be working towards your financial freedom. The issue with a large tax refund is that the money that has been withheld throughout the year could have been working for you all along. Rather…

  • The Three Buckets Principle The world of finance is tricky to navigate. With so many options available for your investments, it can seem complicated and daunting when trying to plan for your financial future. The three buckets principle is a way of simplifying the complex and is suitable for people with substantial savings as well as people who are just starting out. Whether you’re well established in your career or fresh out of college, setting up your three buckets should be a priority. How does it work? The three buckets are:Bucket 1: Emergency Funds Bucket 2: The Goal Bucket Bucket…



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