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What is the Appropriate Asset Allocation for Your Investment Portfolio?

According to many studies published over the past 25 years, a significant portion of investment returns are determined by how investors allocate their assets versus security selection, market timing, and other factors, including style within asset classes (value vs. growth), and fees. Therefore, how an investor allocates their investment portfolio among stocks, bonds, and cash…

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Retirement Planning Strategies to Avoid Higher Medicare Premiums

When planning for their clients’ retirement, most financial advisors tell their clients to utilize 401(k) accounts and IRAs to accumulate as much as possible in these tax-deferred accounts. Allowing these accounts to grow tax-deferred is a great way to save for a person’s secure retirement. However, accumulating a large 401(k) or IRA can come along…

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Life Insurance – Understanding the Tax Implications

Permanent life insurance policies (often referred to as “Whole Life Insurance”) are a contract between a policyholder and an insurance company whereby the insurance company promises to pay a designated beneficiary a sum of money (a death benefit) upon the death of an insured in exchange for a premium. In most cases, when the designated…

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