Recently, I had occasion to backpack into the Frank Church River of No Return Wilderness Area in central Idaho with a group of friends. Being late September, the temperatures were already beginning to dip…
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The Stock Market is at an All-Time High, What Should I Do Now?
13 times this year the S&P 500 has closed the day at an all-time high. And with the current price still hovering near the most recent all-time high in July, I often get asked this…
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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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Tax Diversification
One of the most common issues we see our clients facing in retirement is a higher tax bill than they expected. The root cause of this problem usually lies in the fact that while they…
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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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What is an Estate Plan?
The will of Supreme Court Chief Justice, Warren Burger, was only four sentences long but managed to net his heirs 75% of his estate after transfer taxes. In contrast, Elvis Presley’s will was much longer,…
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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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