Archive - March 2013

1
A Fee-Only Financial Planner Helps Make Taxes Less Stressful For Women
2
The Right Investment Advice
3
Caveat Emptor (Buyer Beware) When It Comes To Complex Annuities!
4
Why You Need An Emergency Fund
5
Including Social Security As Part Of Your Retirement Plan

A Fee-Only Financial Planner Helps Make Taxes Less Stressful For Women

While some women are hesitant to get into investing, there are others who feel nervous about taxes. If you didn’t know, taxes and financial planning go hand in hand. When you are in control of your finances, you lessen the chances of being surprised at tax time. And if you don’t have time to keep up with all of the nuances and changes to federal tax law, why not work with a Fee-Only financial planner who can keep you informed of how these changes may affect you?

In “The War on Working Women” Jill Melchior writes about …

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The Right Investment Advice

While we only have a little more than two months under our proverbial belt, there’s no denying that it’s been a good run thus far in 2013.  Since January 2nd the S&P 500 Index has returned 9%.

In addition, all of the major indexes, the DJIA, the S&P 500 Index and the NASDAQ, have more than doubled since the low of March 9, 2009. This is a great reminder why you shouldn’t abandon your well-designed plan just because others are panicking.

On the flip side, any day now we can expect to see articles about why this is a …

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Caveat Emptor (Buyer Beware) When It Comes To Complex Annuities!

Do you own an annuity — or have you been approached about buying one? Be aware that annuities are under increasing scrutiny, with the State of Florida leading the charge. Florida put suitability standards on the books in January 2011 to protect its senior citizens from fraudulent annuity sales that are unsuitable for a person’s age or economic status. Florida now is considering extending these protections to Floridians of all ages. It seems to be working —annuity sales complaints in Florida have declined since January 2011.

Here’s an example of an unsuitable annuity sales attempt close to home: one of …

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Why You Need An Emergency Fund

You may or may not have heard that it’s wise to have an emergency fund. Even if you’ve heard it, you may not be aware of what it means and why you should have one – and more importantly why you need one. An emergency fund is just that. It’s money set aside for a rainy day, an unexpected bump in the road, or for a real emergency or an expense that you haven’t specifically planned for. Examples of those unexpected expenses (borderline redundant – I know) include a car accident, disability, storm damage to your home, losing a job, …

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Including Social Security As Part Of Your Retirement Plan

When you’re younger, thinking about retirement seems more like a concept than an eventual reality – the milestone seems so far away. But, one day, it will become a reality, and it’s better to start planning financially as early as possible for that reality to ensure that you have enough money accumulated not simply to exist, but to enjoy your work-free days.

Your retirement plan needs to be funded from different sources. After all, you shouldn’t put all of your eggs in one basket. One source that is often ignored or discounted, but should still be part of your plan …

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