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More Tax Considerations For 2019

By |2019-07-02T16:42:24-07:00July 2nd, 2019|Financial Health|

According to IRS estimates, taxpayers collectively pay about 82 percent of taxes they legitimately owe. This amounts to about $458 billion annually in lost taxes, based on data from 2008 to 2010.1 Of course, we do not recommend strategies to avoid legitimate tax liabilities. However, it is important to stay current with the constantly evolving [...]

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Notes on Social Security

By |2019-06-25T18:37:23-07:00June 25th, 2019|Financial Health|

The Federal Trade Commission (FTC) reports that Social Security beneficiaries have lost $6.7 million in two months resulting from a new, highly effective scam. This is how it works: Someone calls you and says they are with the Social Security Administration (SSA), stating they regret to inform you that your Social Security payments have been [...]

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Tech Trends

By |2019-06-18T18:51:31-07:00June 18th, 2019|Financial Health|

There are different formulas for launching highly successful companies. First, create a product that solves a problem that no one knew they had — for instance, how online search engines replaced encyclopedias. Then, there are ideas that help solve problems that plague millions of people. Back pain, for example. Not only do approximately eight in [...]

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Don’t let presumed costs deter your insurance decisions

By |2019-06-11T20:55:15-07:00June 11th, 2019|Financial Health|

The No. 1 reason to purchase an insurance policy is to cover expenses that would otherwise create a financial hardship for you or your family. Many policies are often employer-sponsored, but if you don’t have access to affordable options or would like to review potential financial vulnerabilities that could be covered by insurance, please give [...]

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Boosting Financial Literacy is a Top Priority

By |2019-06-05T23:34:58-07:00June 4th, 2019|Financial Health|

Financial literacy has always been a challenge. However, now that much of the burden of retirement income has shifted to employees instead of employers, it is all the more important that we begin teaching the principles of saving and investing to people as early as possible.1 In a recent survey, 44 percent of Americans said [...]

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The Wealth Report – March 1st, 2019

By |2019-03-08T22:50:48-07:00March 8th, 2019|Wealth Report|

In one of our portfolios we recently moved into a fund covering the Europacific region. If you noticed a recent investment in AEGFX, the American Funds Europacific Growth Fund, you may be thinking, "Why more international? Why now?" The beginning of 2019 has been very different than the end of 2018. Because international was down [...]

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Food for Health

By |2019-06-04T22:49:12-07:00August 21st, 2018|Financial Health|

We love our bacon. In recent years, this pork delicacy has seen a resurgence in popularity alongside new ways to enhance recipes ranging from bacon-infused macaroni and cheese1 to the not-quite traditional bacon-wrapped holiday turkey.2But just because something is popular doesn't mean it's good for you. According to the World Cancer Research Fund, one way [...]

Job Trends

By |2019-06-04T22:49:12-07:00August 14th, 2018|Financial Health|

For decades, young people were told college was the surest route to financial success as an adult. Get a degree, get a good job.However, this formula seems to be broken. During the recession, jobs for recent college graduates were scarce, causing many to continue their higher education and sink deeper into student loan debt. With [...]

Long-Term Care Update

By |2019-06-04T22:49:12-07:00August 7th, 2018|Financial Health|

Long-term care continues to be a challenging issue in the U.S. It appears the second wave of baby boomers is even more determined to "age at home," while at the same time, they are more likely to suffer from multiple chronic conditions, such as heart disease and diabetes.1 This confluence of factors makes it all [...]

Various Types of “Economies”

By |2019-06-04T22:49:12-07:00July 31st, 2018|Financial Health|

As recently as five years ago, few people had heard of emerging businesses like Airbnb and Uber that allow proprietors to share their personal residences and cars to generate income. This business model is now commonly referred to as the "sharing economy." 1However, just as capitalism morphs, so does the concept of sharing. For example, [...]