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A Bull Market is Not an Investment Strategy!

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A Bull Market is Not an Investment Strategy!

Published by Mark Ring It is often said, “history repeats itself.” There is no better cliché to use when discussing the stock market. As of late, it has been fun to check your statements. It seems the market continues marching upward, despite any worries we may feel. The market “herd” is gathering a little steam. You can feel it when you watch the financial shows or talk to friends.

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Fees or Foes

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Fees or Foes

Published by Scott Kubie Recently, a fee-only financial advisor mentioned to me that more clients are proposing to manage more of their own assets and invest in the “S&P 500.” For most who go down this path, this move will likely end badly. These investors, while seeking to avoid wealth management fees, are ignoring the value their advisor brings to them as well as the current market environment.

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How to Avoid the Top 3 Financial Fears in Retirement

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How to Avoid the Top 3 Financial Fears in Retirement

You’ve worked hard for your money and during your retirement years, you want to have confidence that you can enjoy it. However, many retirees have common concerns as they move from asset accumulation to asset preservation. “Am I spending too much?” “Have I set aside enough for long-term care?” “Will I outlive my assets?” These are all questions many retirees think about.

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Three Reasons to Consider Active Management

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Three Reasons to Consider Active Management

Published by Brett Carson Trends are pervasive in our culture, and the investment world is no different. The latest is the move towards passive investing using low-cost ETFs. Essentially, the argument is that nobody can consistently beat the overall market, so you’re better off owning a cheap index fund with the aim of just keeping pace with it.

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What is goals-based planning?

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What is goals-based planning?

The first step to goals-based planning is to sit back, relax and day-dream. Or, break out a bottle of wine and sit with your partner and just talk about what you see your life looking like in the future. Ask yourself, “What is it that I really want?”

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Should we get married or not, now that we can?

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Should we get married or not, now that we can?

Published by Dan Morrison Now marriage is a real-life decision for many individuals and couples who have never had such a choice before. This choice opens up a whole new conversation for same sex couples that they never could consider in the past. There are many reasons to get married, just as there are many reason not to. But right now, I’m going to focus on some financial reasons to consider whether you should hop off the fence.

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The Importance of Portfolio Diversification

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The Importance of Portfolio Diversification

The famous stock market axiom, “it’s the bus you don’t see that hits you”, nicely underpins the reasons behind maintaining a diversified portfolio. The stark reality of investing is that there are unknowable landmines. Even though investment managers and analysts spend hundreds of hours scouring financial reports, talking to management, interviewing competitors and digging deep into a company’s prospects, there is always the possibility of an unpleasant surprise.

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Perception is Reality. Perception is Portfolio.

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Perception is Reality. Perception is Portfolio.

Published by Mark Ring Recently I was reviewing a prospective client’s portfolio and I asked them to answer a few questions about their existing portfolio. I wanted to understand what they believe and how they feel about their portfolio. Here are a few of those questions:

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How to Set up a Trust

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How to Set up a Trust

Published by Beth Schanou, Director of Wealth and Estate Planning A trust can be a necessary tool for an estate plan. But, you may ask, what is a trust? Put very simply, a trust is created with a formal legal document to manage assets for beneficiaries. The trust is created by a person called the Settlor or Grantor, and a Trustee is appointed to follow the rules of the trust for management of the trust and its assets for the beneficiaries’ benefit.

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Maximizing Your Social Security Benefits

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Maximizing Your Social Security Benefits

Published by Dan Morrison and Mark Ring Two weeks ago, we had a client come into the office for a review. The goal of her review was cash flow and maintaining that cash flow to sustain her lifestyle. That lead us to her Social Security benefit options, as well as understanding the what, the when, and the how of these options.

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