Begin with what’s Important

5 Principles to Restore Order and keep you well! Number Two – Begin with what’s Important In Steven Covey’s book, The 7 Habits of Highly Effective People, he says it this way, “Begin with the end in mind.” What do you want to accomplish and even more important, why? The ability to envision in your…

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Start Today

5 Principles to Restore Order and keep you well! Number One – Start Today This is about making a decision. Decide comes from the same word as homicide, means to kill all alternatives. Making a decision may mean you quit putting your head in the sand like the ostrich hoping everything will work out. It…

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Common Portfolio Wisdom – PROFESSIONAL MANAGEMENT = BETTER RETURNS

  Pros – Better potential long-term results if properly tactically managed in today’s market. Cons – Styles such as asset allocation and modern portfolio theory, systems, methods, and experience are still subservient to market trends. Axiom – Opinions don’t count; market trends do. Cheaper doesn’t always mean better. Just in the same way, more expensive…

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Common Portfolio Wisdom – The Key to Safety is Diversification

Pros – Gains in one asset class may offset losses in another. Diversification portfolio offers more stability than holding just one asset. Cons – There are periods when many asset classes may go down simultaneously. Gains can be “watered” down and may limit potential. Axiom – The key to safety is being in harmony with…

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Business Owners – Tax Updates and Tips

As we approach April 15th, many business owners may still be wondering what the impact will be from the Trump Jobs and Tax Act, on 2018 taxes. Many file extensions and have not yet determined whether your tax liability is up or down. Our analysis of other small business owners across the country is there…

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Pay less taxes?

How is it possible that there are others I have heard of making more than me and paying less in taxes? Justice Learned Hand answer this question best when he said, “There are two systems of taxation in our country today, one for the informed, one for the uninformed.” He also went on to say, “Anyone…

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Should I convert to a ROTH IRA?

To convert or not to convert…It depends! Converting to a ROTH IRA means that you would pay the tax now on some or all of your IRA’s in exchange for tax-free growth and withdrawals on that money going forward. While tax-free growth and tax-free income in retirement or tax-free inheritance to beneficiaries is always preferable,…

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Is Picking an Advisor like Luck of the Irish?

Are all advisors the same? How do I know if I am working with a specialist? Jim, Spring Green WI In this complex area of retirement planning, you need to work with a specialist. A specialist focuses on you, works exclusively with people just like you and is an acknowledged all-star.   A Specialist Focuses…

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