This time of year sees turkeys land in the freezer and age old family recipes come out to see the light of day again. While a delicious feast and time spent with loved ones are certainly the highlight of November, I like to pause and reflect on gratitude – the backbone of Thanksgiving. Did you…

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There’s a difference between monitoring an investment and checking its performance on a daily basis. Rather than being concerned about short-term volatility in the market, consider the future purpose or goal of what you want your money to pay for. This is the fundamental idea behind goals-based investing. You don’t just seek out investments that…

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Every investment carries some risk. However, it’s a misnomer to think that the bigger the risk you take, the bigger the reward you’ll receive. This may be especially true for those who are near or already in retirement. Consider the story of the tortoise and the hare. The tortoise pursued a slow but steady pace…

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On the popular television show “Star Trek,” the Vulcan character Mr. Spock was known for his salutation “Live long and prosper.” However, those two concepts may sometimes work at odds with each other, especially if people don’t have a plan for their retirement income. Many retirees can live a prosperous lifestyle, but without a retirement…

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The majority of childhood is composed of leisure time, the main chunk of adulthood combines work and play, and then the expectation is to return to play mode during retirement. The issue with that traditional cycle is some people find enjoyment in working. There is a growing trend to retire in phases, or even intermittently,…

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The National Flood Insurance Program (NFIP) was created by Congress in 1968 to offer property owners flood protection that is generally excluded from homeowner’s insurance. Unfortunately, the recent spate of hurricanes and storms has put the program under the microscope. An NFIP policy can be purchased for coverage of up to $250,000 for the home structure…

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Charities operate primarily on the donations they receive. However, it can be difficult for an organization to run at maximum efficiency if it doesn’t know how much funding it will receive from year to year. To help enable better efficiency, many large donors set up charity vehicles designed to grow over time and provide regular…

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With spooky decorations in doorways and a smell of leaves in the air, this time of year is all about apple cider and trick-or-treating.  It gets me thinking about scary things that keep people up at night. For most people I know, that fear is outliving their retirement nest egg. If you are concerned that…

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