With the current health care bill yo-yoing between picking up momentum and flaming out altogether there has been a lot of noise about Health Savings Accounts or HSA’s for short….
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You’ve done all the right things. There was that formal retirement analysis 5-7 years before your anticipated target date, a consistent plan of saving, investing, and portfolio risk management coupled…
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“The emergence of money manager capitalism means that the financing of the capital development of the economy has taken a back seat to the quest for short-run total returns.” –…
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At Real Investment Advice, we have revised the staid definition of diversification so that investors will not be caught off guard by what the financial industry preaches. Read: Never Look…
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The following guide was authored by both Richard Rosso, CFP, CIMA and Danny Ratfliff, CFP, ChFC. Guardrails are forged to prevent navigators from veering off course. Financially, it’s easy to…
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I’ve just embarked on a new journey. Not a new career. Not a new job title or even a greater income. (Well at least for now, I hope.) What I…
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The first year in retirement is a form of rebirth. I deem it the black hole. A period that’s a bit exciting, somewhat disconcerting, but eventually a clear perspective is…
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“You’re going to die if you stay there.” In 2011, I was being ripped apart by internal conflict. My physical health was in decline; mentally, the daily stress of my…
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Johnny Maestro never gave up. Born on New York’s Lower East Side to a lower-middle class Italian family, humble beginnings singing acapella in city subways in the early 1950s, Johnny…
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The financial services industry is headed for the greatest debate in recent history. Regardless of what occurs from here –a continued stock market bullish trend or reversion to long-term averages…
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Credit card debt has morphed into a bona fide monster. Federal Reserve data on revolving debt as of April 2017, reflects how out of control the beast is. Credit card…
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The Financial Wellness Evolution: The Flow from Soil to Harvest “The soil of a man’s heart is stonier, Louis. A man grows what he can, and he tends it….
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“I was taken by darkness, but there was light all around, inside me. I never felt such utter peace, clarity and sobriety.” – Johnny Cash As explained it to his wife…
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“Every man comes to a crossroad somewhere along the way. Johnny Cash came to his crossroad in a place called Nickajack Cave.” – Gary Allan August 1992 David Gant illegally entered…
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“If you climb a mountain for the first time and die on the descent, is it really a complete first ascent of the mountain? I am rather inclined to think…
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July 10, 1877: How can there be so much blood? John knew what he was seeing wasn’t good. Blood this dark meant something serious; something arterial hit by the bullet….
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“David Rockefeller is gonna save us!” A small one-bedroom apartment was home for mom and me in the 70s. Narrow halls lined by endless rows of blackish-green lead painted front…
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Financial planning industry thought leader Michael Kitces CFP® , CLU® , ChFC® , RHU, REBC and professor of retirement income at the American College Wade D. Pfau Ph.D., CFA, penned…
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The financial terrain is strewn with robust fables cleverly disguised as facts. The setbacks to financial security due to stock market returns never realized, the precious time and human capital…
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What would you do with three-thousand bucks? And what if this small fortune was out of reach every year until you spent months gathering documents and wasting precious hours, patience…
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