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Archive for October 2017

Goals-Based Investing

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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The Cognitive Health Issue

Cognitive Impairment Screening: Why It’s Important   A provision of the Patient Protection and Affordable Care Act requires Medicare coverage for an annual wellness visit that includes both screening for cognitive impairment and developing a personalized prevention plan. The screening for dementia is usually a brief questionnaire to assess memory, language and/or visuospatial skills. One…

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What Type of Investor Are You?

Each person is unique. We are composed of many variables, such as genetics, family influence, geographic influence and even the birth order among siblings – a veritable combination of the forces of biology and society.1 So when it comes to managing your finances, the debate isn’t about nature versus nurture; it’s both.   For example,…

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The Travel Issue

How to Take Off Without Boarding a Plane   Travel can be good for the soul, especially when daily life causes stress and sadness.   The Centers for Disease Control and Prevention reports that use of antidepressants has increased by almost 400 percent over the past 20 years, with anxiety at an all-time high.1 For…

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IRS News to Know

As we head into the final quarter of 2017, it’s a good idea to stay cognizant of any tax issues that may affect your finances come April 2018. Now is the time to review your investments and income distribution plans to help ensure you don’t trigger additional taxes or penalties later on.   We can…

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The Loss Issue

Losing a Furry Friend   Many of us rely on the unconditional love and support of a pet, and the sadness we feel when we lose one can be devastating. But because the process for how we mourn the loss of a pet is quite different from that of a person, our coping mechanisms can…

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Assessing Risk in Retirement Income

When it comes to investing, there’s no such thing as a “safe bet.” Every type of financial vehicle has some level of risk, even checking and savings accounts. Back in the 1920s, people believed that the safest place to keep their money was a bank, and they were right. But as they witnessed during the…

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The Brain Issue

The Science of Worrying   Worrying; it’s part of being human. Retirees might be concerned about running out of income, poor health or how the world has changed and what that means for their grandchildren. Parents might worry about everything from money and work to family, health and nutrition. The problem is, the more we…

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Income Strategies for an 8,000-Day Retirement

By 2030, it’s estimated that 20 percent of the U.S. population will be over age 65.1 That means a fifth of all Americans will be on the fringe of retirement or already retired, a milestone that’s generally perceived to come late in life. But consider this, there are approximately 8,000 days in today’s average retirement.…

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