Retirement vs. Time Freedom

We get the privilege to help people achieve their financial goals, and most of the time the primary goal is to retire at some point. It is fascinating to me that we, as a culture, are programmed to trade our time for money. The average person’s plan is to work for someone else their whole […]

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The importance of a customized plan

We are all individuals and we all have our own wants and needs. One of the most important questions financial advisors should be asking is, “What is your definition of success?” Whatever answer comes out of a person’s mouth after that should be one of the most valuable things that person can say during the […]

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The four-legged chair of college funding

Back in the day, the sources for retirement income were sometimes referred to as the three-legged stool. You had Social Security, a company pension, and your own savings or investments. Applying the same analogy to college funding, I would sadly say the current reality is debt, scholarships/grants, and savings or investments. Student loan debt has […]

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The investment case for life insurance

Life insurance is constantly compared to an investment and more specifically the stock market, yet most conventional financial wisdom says that as we age you should move more of your portfolio to bonds. The comparison from life insurance to stocks is that life insurance will underperform, but shouldn’t we be comparing life insurance to the […]

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The 7 sources of residual income

When looking at income in the future, shouldn’t we be looking at what is going to happen and determine if that is what we want life to look like? We need to work backward from that point until we reach today, viewing our decisions with money as the pre-cursor of tomorrow? The reason we even […]

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S Corp + HRA

Tired of paying out the nose in taxes?  These two changes to your corporate structure could save you over $2,500 in cash-flow this year. So, what are they? First, let’s talk compliance.  We are not tax advisors, we are not accountants and we are not CPA’s.  We are fellow business owners and entrepreneurs tired of […]

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The super Roth nobody is talking about

Roth sounds great right? After-tax money going in, tax-free coming out. Only one small catch maybe two. You can only add $5,000 if you are under the age of 50 and $6,500 if you are 50+ with earned income and oh yeah, you have to leave it in there until you are 59.5. There are […]

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Everyone has been asking for referrals the wrong way.

We all know that the number one way to grow your business in almost any business is by getting referrals. It not only helps grow the business quickly, but it is inexpensive. It’s been said before that a referral from a client is the highest form of compliment. If all this is true about referrals, […]

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