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Behavioral Financial Advice
Our only priority is helping you achieve success financially. 95% or more of what you read, see, or hear about investments is attempting to predict what is going to happen. This is a fool's errand. What matters most is your spending, saving, and investing behavior. Vanguard researched the potential value added by an advisor in 2016. Their study measured the potential value added stating,
"Based on our analysis, advisors can potentially add about 3% in net returns" ~ Vanguard research, 2016
The study also explained where the 3% potential additional returns could be found. An additional 1.5% of net returns could potentially be achieved through an advisor's behavioral coaching.
Financial Psychology
Each of us has a unique money script from which we operate. According to a Money Magazine study conducted in 2014, 70% of married couples argue about money; ahead of fights about household chores, togetherness, sex, snoring, and what's for dinner.
The Smart Money Philosophy
The Smart Money Philosophy is about having a personalized plan that addresses you as a person and your life needs for money- expected and unexpected, embracing the certainty of uncertainty.
Start here if you are single, divorced, or widowed
Start here if you are a family
Start here if you are a professional
Start here if you own a business
Helpful Content
How Insurance Deductibles Work
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Social Security: The \$64,000 Question
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There are other ways to maximize Social Security benefits, in addition to waiting to claim them.
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How to help determine life insurance needs to provide for your family after you pass away.
Donating Art: Taxation Abstraction
The tax rules that govern donating art are complex and confusing. Take a closer look.
What Is an Annuity?
Annuities are versatile tools that can help you save for retirement and generate income in retirement.
What to Look for in a Long-Term Care Policy
Here’s a list of 10 questions to ask that may help you better understand the costs and benefits of long-term-care insurance.
Apps That Help Achieve Goals
If you find it hard to attain personal life goals, there’s an app for that!
Choices for Your 401(k) at a Former Employer
Individuals have three basic choices with the 401(k) account they accrued at a previous employer.
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Inflation & Retirement
Estimate how much income may be needed at retirement to maintain your standard of living.
Saving for College
This calculator can help you estimate how much you should be saving for college.
My Retirement Savings
Estimate how long your retirement savings may last using various monthly cash flow rates.
Should I Buy or Lease an Auto?
This calculator compares the financial impact of leasing versus buying an automobile.
A Look at Systematic Withdrawals
This calculator may help you estimate how long funds may last given regular withdrawals.
Interested in a Fuel Efficient Car?
Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.
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Keys to Investing for Retirement
There are some key concepts to understand when investing for retirement
5 Smart Investing Strategies
There are some smart strategies that may help you pursue your investment objectives
Retirement Plan Distributions
There are a number of ways to withdraw money from a qualified retirement plan.
An Inside Look at Retirement Living
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
Managing Your Lifestyle
Using smart management to get more of what you want and free up assets to invest.
Tax Management Strategies
Learn more about taxes, tax-favored investing, and tax strategies.
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Can Election Results Predict the Market?
How do the markets usually react to elections? Was the 2016 election any different?
The Other Sure Thing
Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared?
Should You Ever Retire?
A growing number of Americans are pushing back the age at which they plan to retire. Or deciding not to retire at all.
The Junk Drawer Approach to Investing
It's easy to let investments accumulate like old receipts in a junk drawer.
Estate Management 101
A will may be only one of the documents you need—and one factor to consider—when it comes to managing your estate
Investments
You’ve made investments your whole life. Work with us to help make the most of them.