How Much Life Insurance Do I Need?

Category: Wealth Protection

September 16, 2015  |  

How Much Life Insurance Do I Need?

Key Takeaways:  The purpose of most life insurance policies is to ensure that your loved ones will be financially secure upon your death. Keep the big picture in mind. Instead of using rules of thumb, consider your specific situation and determine an amount that will allow your loved ones to maintain their standard of living. […]

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May 27, 2015  |  

What Happens to My IRA When I Die?

Key Takeaways Every situation is as unique as you are, so don’t shortchange yourself with an off-the-shelf, cookie-cutter solution. The beneficiary you designate for your IRA can have a big impact on what happens to your IRA when you pass away. Your age can have a big impact on what happens to your IRA. “What […]

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January 7, 2015  |  

What’s An Investors Most Important New Year’s Resolution?

Avoid this pattern of behavior by using the DR Strategy…   Greed and Fear conspire to disrupt even the most well considered investment strategy and those emotions are formidable opponents for most investors. Quite simply, the majority of investors have a hard time resisting the emotions of greed and fear. The data is clear on […]

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December 31, 2014  |  

Making Lemonade from Lemons

We often talk, especially towards year end, about loss harvesting or harvesting your losses.  While no one likes losses in his or her portfolio, this technique is the equivalent of making lemonade from lemons.  Though tax considerations shouldn’t be the primary driver of your investing decisions, losses will occur in every portfolio at one time […]

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April 29, 2014  |  

Decanting a Trust

The Basics A trust is a legal relationship where someone (the grantor) arranges with another (the trustee) to hold property for the benefit of a third-party (the beneficiary). The grantor transfers a split ownership of property–legal ownership to the trustee and beneficial ownership to the beneficiary. The grantor names the beneficiary and trustee and establishes […]

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April 25, 2014  |  

Protecting Yourself Online

For those who have had concerns about the Internet and its security, there was recently an “I told you so” moment.  Encrypted channels for online communication that were thought to be secure were identified as being at risk due to a flaw in the programming.  The compromised programming was widely used among the Internet’s most secure […]