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By Kim Spencer, CFP®, CDFA® When the unexpected happens, chaos can result. And right now, chaos and change seem to be a part of daily life for all of us due to the ever-evolving coronavirus pandemic. More than ever, preparation and having a plan of action in place is necessary for you to do what’s best for you and your family in the midst of this or any other crisis. And when I say to plan and prepare, I’m talking specifically about a...

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“The only thing you sometimes have control over is your perspective. You don’t have control over your situation. But you have a choice about how you view it.“ – Chris Pine, American actor As February began, investors were keeping a cautious eye on the coronavirus spreading in China. While there were isolated outbreaks around the globe, they were just that—isolated. That changed dramatically when headlines...

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“Come to the woods, for here is rest. There is no repose like that of the green deep woods. Sleep in forgetfulness of all ill.” -John Muir, advocate for the preservation of wilderness in the U.S. known as the “Father of the National Parks The Economy On July 31, the Federal Reserve reduced the fed funds rate by ¼% to a target rate of 2.00 to 2.25%. It was the first rate cut since the financial crisis. Going forward,...

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“The oldest old—people age 85 or older—constitute the fastest growing segment of the U.S. population… And living to 100 is becoming increasingly commonplace.” – National Institute of Aging, U.S. Department of Health & Human Services A large majority of you, our clients, are retired or within a few years of retirement.  Further, those who are nearing retirement are looking forward to 30+ years of retirement.  In other...

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A friend recently asked me whether she should open a Roth IRA or a Traditional IRA. In case these terms are unfamiliar to you, IRA stands for Individual Retirement Account—as opposed to a group or company-sponsored type such as a 401(k)—and comes in two main forms: Roth and Traditional. While the two types of retirement accounts have several minor differences, there’s one major difference between Roth IRAs and Traditional IRAs: tax...

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