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Standards of Care in the Finance Industry: Fiduciary vs. Best Interest

Posted by Clara Moses on Jul 27, 2022 5:28:14 PM

There is a wide variety of financial professionals out there, and although there is some crossover between the responsibilities that fall under each title, one key difference is that they are not all governed by the same standards. The various titles and standards can be confusing, especially for people who have never worked with a professional before. This can make the process or finding help even more daunting for beginners who may already be hesitant about letting someone else handle their money. If you’re in that boat, look for a fiduciary financial advisor. You can confidently trust these professionals, and here’s why…

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Topics: fiduciary

What is a Financial Planner and Do I Need One?

Posted by Clara Moses on Jun 28, 2022 10:33:12 AM

There are many types of financial professionals. All the titles and accreditations can be very confusing; and the last thing you want to feel when putting your finances into someone else’s hands is confusion. To put your mind at ease, we’ve created an eBook that thoroughly explains what the title “financial planner” means and why you might benefit from working with one yourself. Simply put, a financial planner is a professional who helps you assess your current situation so they can then strategize actionable ways to achieve your long-term goals.

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Topics: financial planning

In The Moment

Posted by Jay Hutchins on Mar 11, 2022 1:43:33 PM

It’s natural to react to market, economic, and geo-political turmoil in the moment. This is a common mistake to make.

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Top 5 Personal Finance Websites

Posted by Clara Moses on Jan 25, 2022 11:42:12 AM

With the internet at your fingertips, you can become an expert at anything, right? That’s not exactly true. A little knowledge can lead to a lot of harm if research and implementation are not done responsibly. First, you want to be sure to consult resources that you can trust.

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QCDs Explained

Posted by Jay Hutchins on Dec 23, 2021 11:33:38 AM

When the 2917 Tax Cuts and Jobs Act raised the standard deduction for taxpayers to $24,000 for couples ($12,000 for singles), and lowered individual tax rates, an unintended consequence was to reduce the tax benefits of making charitable donations. Fewer taxpayers were itemizing, which means their donations didn’t count as deductions. Itemizing taxpayers – including people who intentionally raised their level of giving in order to cross the standard deduction threshold – found that the lower brackets reduced their tax benefits.

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Will Social Security Go Bust?

Posted by Jay Hutchins on Nov 30, 2021 1:26:17 PM

You may have read that the Social Security Trust Fund is due to be depleted in 2033, a year earlier than previous projections. This sounds alarming, except for several caveats.

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Dividend Scarcity

Posted by Jay Hutchins on Oct 29, 2021 8:37:06 AM

If you look at finance magazines and websites you’ll see headlines such as, “10 Dividend Growth Stocks You Can Count On” (Kiplinger), or “20 Dividend Growth Stocks Blasting Off” (Forbes). There’s an annual “Dividend Aristocrats” list of 65 companies, and occasional articles telling retirees that they should buy stocks so they can live off of the dividend checks.

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Estate planning Checklist - Time for an Update

Posted by Clara Moses on Sep 29, 2021 9:50:28 AM

Many of us understand the importance of having an estate plan, but we can't stop there. It's equally as important to periodically check your estate plan for necessary updates.

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Topics: estate planning

Risk & Reward

Posted by Jay Hutchins on Aug 30, 2021 3:22:41 PM

Ah, the heady times when markets just keep rising as if to the moon. It is exhilarating, isn’t it?

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Bitcoin "Investments"

Posted by Jay Hutchins on Jun 22, 2021 10:22:54 AM

There’s a lot of buzz in the investment world about Bitcoin—and cryptocurrencies in general. Is it an investment? A real medium of exchange? Some of this interest undoubtedly comes from the fact that, in 2009, Bitcoins were selling for eight cents a coin. At the peak earlier this year, one of those coins was trading at $65,000.

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Topics: investing, bitcoin

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