Taking Ownership

All too often, it is easy to fall victim to your circumstances and not take ownership of your decisions in life. I think the reason we avoid ownership is that it feels better to have someone else take the blame instead of taking a good, hard look at yourself and owning up to how you […]

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Hug Your Customers

Customer service today is paramount and creating value in new ways is the last frontier in differentiation between most businesses.  The book, Hug Your Customers is the answer you’ve been looking for when it comes to differentiation.  It’s the whole point of this book – that as competition and digitization increase, connection with your customers […]

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7 steps to starting a nonprofit organization

When one of our principals got invited to sit on the board of the Fletcher Foundation, they were so honored and excited. They were there early on, so they got to see and be a part of starting a nonprofit organization. Don’t get us wrong, there are challenges, but if your deep passion meets the […]

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Retirement Income: Flooring and Income Guarantees

There are many ways to structure retirement income. Some come with more risk and uncertainty than others. So, what if you are very risk-averse? What are your options for retirement income? One strategy that is popular (especially with the broker collecting the fees) is flooring and income guarantees. But understand, it can be an expensive […]

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Inflation – The Silent Killer

See no evil, hear no evil. One of the biggest threats to retirement income is inflation, largely for two reasons: It’s not something that registers in your mind year after year Nobody talks about it So if you don’t think about it or talk about it, it’s not really there, right? Nope, that is definitely […]

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Traditional IRA vs Roth

Traditional and Roth. These are the two main types of IRAs that you can open or facilitate via rollovers and transfers. Let’s take a look at what they do and which might be the best choice for you. Individual Retirement Accounts are an outgrowth of the Employee Retirement Income Security Act (ERISA) of 1974. As […]

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Transfers vs Rollovers – What’s the difference?

In our business, like any other, there are lots of industry-specific words and jargon. So part of our job is to help explain this kind of insider lingo. Two such terms that pertain to IRAs and other retirement accounts are Transfer and Rollover. The difference between the two is a big deal. So, let’s examine […]

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Identity – You Are More Than Your Work

Over the past few weeks, we’ve had several conversations that made us realize something – retirement and identity are inextricably linked. What we do is so much a part of who we are, so retirement is a big deal. It is a big shift in identity. In our conversations these past few weeks, we talked […]

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IRA/401K/403B/457 – All the Same Tax Treatment

How do you think about taxes? I know – you try not to, right? Well, when it comes to where we park our money, it’s good to consider the tax ramifications. It turns out, people in retirement think about taxes differently than people who are active in the workforce. Why? Because retirement is when a […]

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