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Why You Need an Estate Plan

https://www.renozahm.com/staff-profiles/jared-arthur-clay/&sa=D&source=editors&ust=1633640745385000&usg=AOvVaw3f6Y_8EEFHomdt7ExPDEJb Don’t let the fancy name fool you. An estate sale is just a whole-house yard sale. No need to wear a suit and tie and carry a numbered paddleboard for bids. Roll out of bed, waltz in, and plunk down a few bucks for a surfboard, a paperweight shaped like a chicken, and 17…

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7 Reasons Why You Need a Budget

Throughout the previous two tumultuous years, there have been ups and downs, and not just in the markets. Everyone has felt an impact of the pandemic whether physically, mentally, or financially. Though the impact was different for everyone, the reaction was the same. We all sought to gain control of our lives in the areas…

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When Do You Need a Financial Advisor?

This is a case of the “when” being the “why,” so let’s knock out two birds with one overachieving boulder. On a runway. When you’re ramping up for one of the biggest life changes—retirement—you’ll definitely benefit from having a financial advisor or suffer from the lack of one. Whereas you’ll retire once, we’ve helped more…

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Should you give your child an early inheritance?

One of the things that give me the greatest joy as a financial planner is knowing that the work, I do has a bigger impact. The benefits of the plans that I help set in motion with my clients will extend well beyond just the individuals I meet with. The majority of investors I meet…

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Can your 401(k) affect your Social Security?

Here’s the truth about retirement planning; it used to be a whole lot easier. There used to be a lot less planning involved. Life generally looked like this: work for 40 years at the same job, hang it up at age 65 and spend the remainder of your days collecting from the combination of your…

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Investing In Education: A Teacher’s Guide to Retirement

“Class, I have an important announcement.” Ms. Perry paused for effect. “I’m very sorry to tell you that I won’t see you again until next year.” A few kids gasped. We all stared. Her eyes twinkled. Henry shrieked and pointed at her. “That’s because tomorrow is winter break, and we won’t be coming back until…

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The Effects Of Upcoming Tax Legislation On Your Retirement

Now that we’ve grabbed your attention and raised your blood pressure with the headline, let us assure you that we have only good news. While there is no formalized plan, and the specifics are somewhat murky, one thing is clear about the collection of pending tax legislation: These potential changes will more than likely have…

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Tips For Post-Pandemic Spending

When the going gets tough, the tough get cooking from scratch…and paying off debt…and using hand sanitizer. We might have taken some creative liberties with that idiom, but a lot of other things have changed in the past year, so why not? The pandemic didn’t just force us into our homes, it also changed many…

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I’m Retired, Now What?

People approach retirement age with excitement or fear, and sometimes a mix of both. The promise of free time, rest, travel, and lower stress levels is often coupled with anxiety over feeling lost without their job, getting bored, or living off Spam and ramen noodles while inflation skyrockets and nobody visits.  And why wouldn’t they…

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Financial Advice for Recent College Graduates

We’ve heard the jokes about searching for work after college in this day and age. The job postings read something along the lines of:  Entry-level position  Minimum 7 years of experience  Master’s degree or higher  No paid time off or health insurance  $10/hr.  “Experience?” you say. “I need experience to get experience. But that’s where…

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