Do I Need Disability Insurance If I’m Near Retirement?

Do I Need Disability Insurance If I’m Near Retirement?

Table of Contents You May Not Need Long-Term DisabilityLong-Term Disability Insurance if You’re Near RetirementOther Reasons to Buy a Disability PolicyConsider Long-Term Disability As You Approach RetirementDo I Need Long-Term Disability Insurance? Do you need disability insurance if you’re nearing retirement age? Like most financial planning questions, there is no single answer for every situation….
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Should I Invest the Down Payment I’m Saving for My Next Home Purchase?

Should I Invest the Down Payment I’m Saving for My Next Home Purchase?

Table of Contents Investing is a Long-Term GameStocks for the Long RunCash for the Short-TermDon’t Invest Your Home’s Down PaymentInvest in Stocks and Bonds for the Long-Term, Choose Cash for the Short-Term Recently, we were working with a client entering retirement. We were helping with her long-term financial plan and she had big (read: expensive) plans….
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Why Jerry Seinfeld Was Right About Public Speaking

Why Jerry Seinfeld Was Right About Public Speaking

Remember that famous Jerry Seinfeld joke about public speaking? He references a study that said people are more fearful of speaking in front of a crowd than death. If true, it means the average person attending a funeral “would rather be in the casket than doing the eulogy.” This one:   That’s me. I’m one…
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Spend on What You Value

Spend on What You Value

Table of Contents Do You Wastefully Spend Money on Things You Don’t Really Care About?What Do You Value?What’s Valuable for Us?What’s Not Valuable For Us?What’s Valuable to You?You Can Afford Anything At the tail end of 2017, I signed up for my first only Brazilian jiu-jitsu tournament. In an effort to be competitive, I set a…
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Cybersecurity: How to Protect Yourself Online

Cybersecurity: How to Protect Yourself Online

Table of Contents Cybersecurity 101: Use Complex PasswordsUse Anti-Virus SoftwareKeep Your Software UpdatedEnable Two-Factor Authentication (2FA) to Improve CybersecurityAlways Use a VPN over Public WiFiBeware of Suspicious E-mailsAvoid Deals That Sound Too Good to be TrueDon’t Email Sensitive Documents with Account or Social Security NumbersDon’t Give Out Personal Information to CallersProtect Yourself from Online ScammersLearn…
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Donor-Advised Funds: The Best Giving Tool You’ve Never Heard Of

Donor-Advised Funds: The Best Giving Tool You’ve Never Heard Of

Donor-advised funds have become increasingly popular given the new tax laws in 2018. They have also become one of our favorite tax savings tips that continues to fly under the radar: Today, we are going to break it all down for you and explain: What a Donor-Advised Fund is (in plain English!) Why you should…
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These 3 Things are More Important than a 529 College Savings Plan

These 3 Things are More Important than a 529 College Savings Plan

529 college savings plans are important. But, they are not the most important thing new parents need to be thinking about. Speaking of new parents, it seems like everyone in my life is having kids. This includes: My brother My cousin My cousin-in-law Fellow professionals in the Financial Planning Association Friends from college My wife’s friends from…
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The Secret to Saving More Money: Tracking Your Spending

The Secret to Saving More Money: Tracking Your Spending

Table of Contents Track Your Spending to Gain KnowledgeKnowledge Changes BehaviorHow to Track Your SpendingSave More Money by Tracking Your Spending Consider this: You’re on vacation with your family at Lake Titicaca. It’s hot out. So, you decide to jump in the lake. But, before you do, you spot a sign. The sign reads: Caution!…
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