Over the past few weeks I’ve been working with two different clients helping them come to a decision on whether or not they need long-term care (LTC) insurance. This is actually one of the most…
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Where is the Best City to Retire in Your State?
From time-to-time we like to feature content and blog posts other companies create. Recently, Jennifer Karami from Redfin, wrote an interesting post called, “Where is the Best City to Retire in your State?” Jennifer’s post is…
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Do I Need an Annuity?
One of the most polarizing topics in the financial planning industry is the use of annuities. If you took a poll of 10 random advisors and asked them their opinion on annuities, you’d get…
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Bad is Stronger Than Good
Pop Quiz: Over the past 70 years, how often has the S&P 500 closed positive for the day? A. 72% B. 64% C. 53% D. 46% Remember, when in doubt, always go with C! Since…
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Ins and Outs of a Reverse Mortgage
As an undergraduate student studying Personal Financial Planning at UVU, my first course in the program was “Intro to the Personal Financial Planning Profession”. One of the first discussions we had in the class was…
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Why Financial Planning Requires a Level of Sacrifice
Disclosure: I love farming. I have always wanted to be the one who could live off what one could grow. In fact, I have been known to threaten my wife that I want to…
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Why an Emergency Fund?
Since December 22, 2018, every radio, tv, newspaper, magazine, and internet news program has covered the federal government shutdown. Headlines scream that Trump is a bully; Congress is ineffective. Then the reverse is claimed. Most…
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The Value of a Financial Planner
What tasks in life do you hate to perform? Paying bills? Working out? And what about those tasks that you really aren’t very proficient at performing? Say, balancing your checkbook? Performing maintenance on your car?…
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Why Being Generous Benefits the Giver as Much as the Recipient
A common misperception held by many today is that only two types of people are able to be truly generous. Only the very rich (the likes of Warren Buffet or Bill Gates) or the very…
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Improve Your Cashflow by Simply Tracking Expenses
Every so often we like to highlight a recent experience we had with a client who benefited from financial planning. It’s a way for us to show how great our clients are and the significant…
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