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Consider the “Why” When Gifting Assets

When it comes to gifting assets and passing down an inheritance, too often we fixate on the “how,” but don’t consider the “why”. In other words, although the mechanics of making gifts and transferring assets are important, such setting up irrevocable trusts or net gifts and bargain sales, so too is identifying the greater purpose…

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Five Ways to Find More Funds for Retirement Savings

Retirement planning is something of a catch-22 – the further people are from it, the more they should be doing to prepare. People just starting out or in their mid-career, however, have many competing financial needs today – house, kids, car, education – that they believe limits their ability to save for tomorrow. In reality,…

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Living Trust or Will? Here’s Why the Answer is Often “Both.”

The most important things you pass on to your loved ones are memories and values. For everything else, you’ll need an estate plan. A plan helps transitions go faster, smoother and gives you more control. Often the question is: Should I use a living trust, or a will? Depending on your situation, each may offer…

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What is a 529 Plan, and Why Should I Open One?

You don’t need a Ph.D. to know the costs of education have risen dramatically in recent decades. Many parents worry about how they will pay for their kids’ schooling from they day they are born. The 529 investment plan was designed specifically to help parents plan for school costs and reward saving with benefits that…

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