How to create a giving plan that benefits both the donor and the chosen charity.

Posted on December 01, 2023
Creating a year-end gifting plan: An important first step in creating a year-end giving plan is to review the basic tax benefits or incentives available to you. The first benefit is the charitable deduction, which can reduce your taxable income if you itemize. Overall deductions for donations to public charities, including donor-advised funds, are generally […]

Smooth Sailing into 2024

Posted on November 15, 2023
For a smooth start to the new year, take a moment to check where you are. As another year comes to an end one of the best things you can do to make the upcoming year run smoothly is to take a few minutes to review where you are with your financial picture.  Here are […]

What causes inflation and how does it affect my investments?

Posted on November 01, 2023
Causes Inflation is caused by a variety of factors.  In general changes in the supply and demand for goods and services are considered to be the root cause.  When demand for goods and services exceed their supply, higher prices can result. When production costs for goods and services rise, they may pass on these costs […]

So, what makes a “Fiduciary” so important when choosing a financial advisor?

Posted on October 25, 2023
A Fiduciary financial advisor is a professional who has a legal and ethical obligation to act in their clients’ best interests. They must prioritize the clients’ interests over their own when providing advice and recommendations.  Registered Financial Advisors are regulated by the Securities and Exchange Commission and the US Investment Advisers Act of 1940 which […]

Why is diversification important in the world of investing?

Posted on October 18, 2023
There are a variety of types of investments, each carries its own risks and rewards. When investing, it’s important to consider your financial goals, risk tolerance, and time horizon. Different types of investments, stocks, bonds, mutual funds, for example and each comes with varying levels of risk and potential return. A well-balanced (diversified) investment portfolio […]

Stocks, Bonds, Mutual Funds; What are the basic differences?

Posted on October 11, 2023
Bonds Unlike stocks where you own a share of the company, bond purchases are loans that earn interest at an agreed upon rate and mature at a specific date, when you are paid back the loan face value.   Bonds are generally considered safer than stocks as they are required by law to be repaid prior […]

Ease of Transacting- Good or Bad?

Posted on October 04, 2023
October 3, 2023   Ease of Transacting – Good or Bad? For as long as we can remember, a positive and pragmatic reason for investing in a portfolio of stocks is the extraordinary ease of buying or selling.  As compared with almost all other investments, stocks are unique in this respect.  For example, if one […]

Confused about retirement plan choices?

Posted on September 29, 2023
Here’s a quick once over of the many choices you may have. Individual retirement plans or the IRA is the personal retirement savings account that individuals can set up on their own.  The earnings in a traditional IRA grow tax deferred until you withdraw them in retirement. Roth IRA is similar to the traditional IRA […]

Financial Mindset and Goal Achievement

Posted on September 20, 2023
If you want to achieve your financial goals, you may find it helpful to first look at how you behave towards your finances and further, explore why you behave as you do. Self-awareness is key to reaching all goals and your financial goals are no different.  It’s important to establish and clarify where you are […]
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