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Regardless of where it comes from, getting an unexpected chunk of change usually makes for a pretty good day, week, or even year. But if you aren’t intentional about what you do with your extra cash, you could follow in the footsteps of many lottery winners who squander their winnings…

  • In the arts, one of my favorite phrases is Sturm und Drang - Storm and Stress. The use of it in music weaves in drama and tension. During the Age of Enlightenment, it endeavored to capture the fact that one cannot simply base their life decisions on rational and empirical evidence. The fact is that life has emotional extremes, whether they are caused by internal or external motives. Life is complex, there is both upheaval and tranquility.   When dealing with life's extremes, how one will react is unpredictable. Everyone is different. Some people react very rationally, maybe they pause…

  • Retirement is one of life’s most significant milestones. Not surprisingly, it’s both an exciting and worrisome prospect for many Americans nearing those Golden Years. According to a 2016 Gallup poll, 64% of Americans are worried about not having enough for retirement, 51% worry they won’t be able to maintain the standard of living they enjoy, and 60% are concerned they won’t be able to pay the medical costs of a severe illness or accident. One of the best ways to alleviate uncertainty is planning ahead. What Will I Do with My Time and With Whom Will I Spend it? Just as…

  • Paying taxes is inevitable. The key to being as efficient as possible about how much one pays in taxes requires careful consideration of the big picture. And while many people simply want to know if they can have a tax-free retirement, it really starts with being clear about how and when taxes get paid…and to defining what a “tax-free retirement” actually means. For example, if someone is striving to have income during retirement that is tax-free AT THAT TIME, then there are a plethora of investment and insurance products out there that could help defer taxes on earnings, and potentially,…

  •   Three Buckets for Retirement Planning Your retirement savings, which is the means to your financial freedom, should be set up in the same way. There is no way to accurately predict what life will be like during the course of your retirement. Based on the climbing US debt, it is safe to assume that tax rates may increase. Unanticipated expenses may arise. Life is never predictable. Therefore, you need your money to be ready to work for you. In my experience, one of the best ways to ensure this is by utilizing three types, or buckets, of savings. The…



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