Author - Eve Kaplan

1
Getting Real About Retirement – Will You Have Enough Money to Remain Comfortable?
2
Now That The Dust Has Settled…Smart Tax Moves In 2018
3
Six Mistakes People Make When Hiring a Financial Advisor
4
Five “No Brainer” Moves to Strengthen Your Finances
5
“It’s Greek to Me!” – Understanding the Meat in Your Investment Statements

Getting Real About Retirement – Will You Have Enough Money to Remain Comfortable?

By Eve Kaplan, Certified Financial Planner ™

Let’s get real about retirement. Will you have enough to remain comfortable in retirement for 30 years or more?  Studies show this is a recurring fear many Americans feel. As a Fee-Only financial advisor, my number one priority is to confront this fear and help my clients retain enough money to have a comfortable and financially independent retirement.

In past articles, I’ve gone through a number of investment strategies to boost retirement readiness. This time I’ll address some planning do’s and don’ts for pre-retirees and retirees:

  1. Don’t get caught short – retain an
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Now That The Dust Has Settled…Smart Tax Moves In 2018

By Eve Kaplan, Certified Financial Planner®

Now that the dust has settled, here are some smart tax moves to lower your taxes and/or avoid higher taxes/penalties in 2018. These steps may be especially helpful if you live in high property and high income tax states (e.g. New Jersey, New York, California) since state and local tax deductions are capped.  Unfortunately all these changes mean you’ll need more time and energy to stay on top of your taxes.

Here are 4 strategies to lower taxes and/or avoid higher taxes/penalties:

  1. Bunch Up Charitable Donations With A Charitable Trust. Charitable trusts can be
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Six Mistakes People Make When Hiring a Financial Advisor

by Eve Kaplan, Certified Financial Planner (TM)

There are 6 common mistakes people make when engaging a financial advisor — and all of them are avoidable! Before we go through this list, let’s put the issue of paying for financial advice into context.

Health and money are two areas of life where everyone benefits from professional input and support but people handle the wisdom of professional medical care differently from the wisdom of financial care. Do you see your physicians and dentists on a regular basis, refill prescriptions and accept hospital care for serious illness? Do you consider performing surgery …

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Five “No Brainer” Moves to Strengthen Your Finances

by Eve Kaplan, Certified Financial Planner (TM)

 

Here are 5 “no-brainer” moves you can make before year-end to strengthen your finances:

  1. Taxes: NJ AND NY RESIDENTS ALERT: If Congress pushes through tax reform that eliminates state and local tax exemptions, many NJ and NY residents (along with MA and CA residents) will be hit with tax increases. One estimate says NJ residents, for example, will need to pony up an additional $3,500 per year in taxes. Look into prepaying a portion of your 2018 property tax by 12/31/17 and front load charitable donations intended for 2018 into 2017. Your
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“It’s Greek to Me!” – Understanding the Meat in Your Investment Statements

By Eve Kaplan, Certified Financial Planner™

When you look at your monthly investment statement, do you think “this looks like Greek to me”? Do you ignore all but the first page, after checking to see how much money you “made” or “lost” last month? If so, you’re in good company.  However, there’s a lot of meat in your investment statements so here’s a deep dive into some of the important elements:

  1. Don’t just compare changes in account value this month (vs. last month), be aware of sub-components that add or subtract value each month: e.g. “dividends and interest,” “market appreciation/depreciation”
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