The Tale of the “Big One”

This young guy is Miles, my youngest grandson.  He’s five and starting Kindergarten this week.  Last Friday we went fishing. The older brother was already in school, so it was just us.  Miles caught a lot of small bream and sunfish and was having a great...

The Flattening of the Yield Curve

Why are investors and economists getting nervous about Treasury yields? What is the yield curve, and why is the financial media writing about it? Here is a brief explanation, starting with a clarification. A yield curve is really an X-Y graph projecting...

Why Having a Financial Professional Matters

A good professional provides important guidance and insight through the years. What kind of role can a financial professional play for an investor? The answer: a very important one. While the value of such a relationship is hard to quantify, the intangible...

The Move Toward Fee-Based Advisory Accounts

Why financial professionals are changing their business models. A major shift has occurred in the financial world. More and more financial professionals have moved away from the industry’s traditional compensation model to a new one – in the eyes of many...

What Should You Keep?

Even with less itemizing, there are still tax documents you want to retain for years to come. Fewer taxpayers are itemizing in the wake of federal tax reforms. You may be one of them, and you may be wondering how many receipts, forms, and records you need...

Bad Money Habits to Break

Do bad money habits constrain your financial progress? Many people fall into the same financial behavior patterns year after year. If you sometimes succumb to these financial tendencies, the New Year is as good an occasion as any to alter your behavior.  ...

TSP Withdrawal Options Are Changing

New rules could soon mean more flexibility. By 2020, federal employees with Thrift Savings Plan (TSP) accounts should have new withdrawal choices for their invested assets. New rules are scheduled to be implemented through the TSP Modernization Act,...

6 Common Myths About Estate Planning

While it may be a task that's low on your to-do list, estate planning can provide guidance for your loved ones in the future. It will also give you a sense of relief as you think about passing on your household and assets. "Most people would benefit from...

6 Reasons Why Financial Planning Isn’t Just for the Wealthy

There's an unfortunate divide when it comes to financial planning. The lower your income, the less likely you are to have a financial plan. But it doesn't have to be that way. A 2016 Financial Engines report found that only 37 percent of American workers...

How to figure out elder care for your aging parent

For T.J. Mancuso, 40, of Apex, N.C., the health of his parents took center stage five years ago when a medical condition left his father unable to qualify for long-term care insurance. Seeing his mother deal with the challenges of being a full-time...

Say hello to the No. 1 threat to your $11 million inheritance

Attorneys, accountants point to family conflict as the biggest threat to estate planning. Tax reform and market volatility follow, respectively. Even with the estate tax exemption at $11.2 million per person, business owners and wealthy families need to...

Make sure this key ingredient is part of your retirement

While improving behavior will help at any age, it won't make up for years of unhealthy actions that have led to chronic conditions from diabetes to heart disease. It's important to give your mental and physical health the same dedication and resources as...

Here’s how the new federal tax law may impact you

Whether you are a business owner or just filing personal income taxes, be aware of the changes brought about by the Tax Cuts and Jobs Act. Gone are the days of doing multiple Roth conversions in a single year. For those charitably inclined, it might make...

Social Security Benefits: Don’t Forget The Kids

Who thinks of children when talking about Social Security? It may not be a common word association, but perhaps it should be. The Social Security Administration (SSA) reported that, in 2017, it distributed $2.6 billion dollars each month to benefit 4.2...

A Must-Read For Moms: 5 Financial Tips

Written by Judith Ward, Contributor at Forbes.com Women face a number of gender-specific risks when it comes to money. According to U.S. Census Bureau research, women earn roughly 80 cents on the dollar compared with men. In addition to the disparity in...

Provision Care Foundation

Friends, None of us have escaped a relative, friend, neighbor, or even a personal bout with cancer.  It is no respecter of persons...rich and poor alike are struck.  It is for those who have limited or no means of dealing with not only the treatment but...

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