Financial Planning

Avoiding Battles about Money

According to a 2012 Harris Interactive poll, about 36% of all couples aged 55 – 64 argue about money.  That’s the highest percentage amongst any age group and significant because people in that age bracket are either retired early or thinking about the day that they may stop working. Most life and financial transitions are…

mythical

Myths About Financial Advice

When it comes to choosing a new financial advisor or evaluating your current advisor, there are some very basic elements that you need to consider. To get you in the right frame of mind, consider these myths and new realities. Myth number one is about competence and success. Believe it or not, the most successful advisors…

independence

Busting Myths of Financial Service Firm Independence

Most financial services firms tout their independence and how they are always looking to do what is in the best interests of their clients. But the truth, of course, isn’t so simple. Let’s start by busting a few myths about adviser independence. First may be the myth that because someone practices as a fee-only adviser…

teamwork

How Competent Is Your Advisory Team?

Most people have a cadre of professionals that surround them. These professionals typically include an accountant, attorney, investment person, insurance person, banker and whomever else is needed to service your personal financial issues. What continues to shock me is the tolerance that people have for professionals who are either incompetent or lackadaisical about serving their…

taxes

Year End Tax Moves To Consider

In a famous tax court case from 1934, Judge Learned Hand spouted what is now a famous quote amongst us tax nerds. Justice Hand said that “anyone may so arrange his affairs that his taxes shall be as low as possible; he is not bound to choose that pattern which will best pay the Treasury;…

Making Cents: Guidance On Last-Minute Contributions

Many have spent the last month racking their brains thinking about gifts for their loved ones, friends or service providers. Yet when it comes to charitable contributions, many simply give at the end of the year without much thought about the tax consequences. Cash works great, and is most sought after by charitable organizations with…

Business Meetin

Making Cents: Money Is The Root Of Many Family Problems

A common goal for most parents and grandparents is family harmony. They hope that the family will stay close and love each other beyond their lifetimes and for generations to come. Unfortunately, these dreams often fail to come true through a combination of their naivety, poor planning and weak communication. The reality is that you don’t…

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