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3 Ways To Know When You Are Ready To Retire

Posted by on Mar 5, 2019 in Certified Financial Planner Boise ID, Certified Senior Advisor Boise ID, Financial Advisor Boise ID, Financial Planner Boise ID, Financial Planners Boise ID, Financial Planning Consultant Boise ID, Financial Services Advisors Boise ID, Retirement | Comments Off on 3 Ways To Know When You Are Ready To Retire

3 Ways To Know When You Are Ready To Retire

3 Ways to Know When You Are Ready to Retire   There’s a pretty good chance that your parents and grandparents retired just because they turned 65. Today’s retirement is a bit more complicated than that. While age is still an important factor, your ability to connect your financial resources to your lifestyle goals is what will truly determine if you’re ready to retire. Here are three important markers to cross before you crack open your nest egg: 1.You’re financially ready The most common question we field from our clients is, “How much do I...

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Personal Cyber Threat

Posted by on Feb 19, 2019 in Certified Financial Planner Boise ID, Certified Senior Advisor Boise ID, Cyber Security, Financial Advisor Boise ID, Financial Planner Boise ID, Financial Planners Boise ID, Financial Planning Consultant Boise ID, Financial Services Advisors Boise ID | Comments Off on Personal Cyber Threat

Personal Cyber Threat

Personal Cyber Threat   IRS Scams   Tax season is here – Expect an uptick in tax phishing emails. 2018 saw a doubling of tax related scam incidents. Sometimes emails appear to come from tax preparers or the IRS itself.   The fraudulent emails often ask recipients for personal information. Or lead them to a website where they can input this data. Tax payers should be cautious when opening any email that asks for personal information.   When in doubt, delete the email and call the sender yourself to verify.   Credit Card Fraud   Credit card...

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5 Keys to Investing in 2019

Posted by on Jan 30, 2019 in Certified Financial Planner Boise ID, Certified Senior Advisor Boise ID, Financial, Financial Advisor Boise ID, Financial Planner Boise ID, Financial Planners Boise ID, Financial Planning Consultant Boise ID, Financial Services Advisors Boise ID | Comments Off on 5 Keys to Investing in 2019

5 Keys to Investing in 2019   2018 was turbulent for the stock market. Will 2019 be any better? American Funds has a great article every nervous investor should read. The 5 keys are: 1. Volatility is back. Prepare for more. 2. Don’t let declines or recessions derail your investment plan. 3. Stay balanced with a diversified equity portfolio. 4. It’s time to upgrade your bond portfolio. 5. Keep a long term view. The full version is below. 5 keys to investing in 2019 Capital Ideas Editorial Team January 9, 2019 What a difference a year makes....

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Don’t let the Grinch steal your Christmas!

Posted by on Dec 21, 2018 in Certified Financial Planner Boise ID, Certified Senior Advisor Boise ID, Financial, Financial Advisor Boise ID, Financial Planner Boise ID, Financial Planners Boise ID, Financial Planning Consultant Boise ID, Financial Services Advisors Boise ID | Comments Off on Don’t let the Grinch steal your Christmas!

Don’t let the Grinch steal your Christmas! The market volatility of the fall has investors nervous.  Threats of trade wars, increasing interest rates feel like head winds. Listen to the video from Bob Carey, chief market strategist from First Trust.  He states stocks have gone “on sale”.  Corporate profit reports will be out in January showing profits companies have made for the year. https://www.ftportfolios.com/Commentary/MarketCommentary/2018/12/20/call-us-crazy—stocks-on-sale-as-we-head-into-2019 So take a deep breath and enjoy the...

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Beware You May Owe Taxes!

Posted by on Dec 11, 2018 in Certified Financial Planner Boise ID, Certified Senior Advisor Boise ID, Financial Advisor Boise ID, Financial Services Advisors Boise ID, Taxes | Comments Off on Beware You May Owe Taxes!

Beware You May Owe Taxes!

Beware You May Owe Taxes!   Did you see a bump in your net paycheck in February this year? The new tax laws aimed to lower taxes. However, not everybody will see lower taxes. Some will remain similar or higher. At a recent tax seminar, I attended, underpayment of taxes is a potential issue for 2018. The tax law was passed in December of 2017. The new withholding tables were issued the first of February 2018. It is these new withholding tables that resulted in people seeing a bump in their net paycheck. The withholding tables have seen further...

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Is a Health Savings Account for You?

Posted by on Nov 15, 2018 in Financial, Financial Advisor Boise ID, Financial Planner Boise ID, Health | Comments Off on Is a Health Savings Account for You?

Is a Health Savings Account for you?   Health Savings Account are growing in popularity.  It is not surprising since HSAs have triple tax benefits.  Contributions are tax deductible. Withdrawals for medical expenses are tax free. Earnings are tax free. In addition, there are no required distributions like you have with IRAs. Also, there are no income limits for contributing to an HSA like you have with a ROTH.   The 2017 Devenir HSA Research Report shows the number of HSAs have grown to 22 million since their start 15 years ago. These...

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Freezing Your Credit is Now Free

Posted by on Oct 31, 2018 in Certified Financial Planner Boise ID, Certified Senior Advisor Boise ID, Cyber Security, Financial Advisor Boise ID, Financial Planner Boise ID, Financial Planners Boise ID, Financial Planning Consultant Boise ID, Financial Services Advisors Boise ID, Peggy's Pearls | Comments Off on Freezing Your Credit is Now Free

  It’s Free! It is now free to freeze your credit with all 3 credit bureaus- Equifax, Experian and TransUnion. AARP did a survey in Massachusetts, only 13% of those who had fraudulent charges on their credit card took action. Many feel overwhelmed with all the security breaches occurring at companies holding sensitive data. They feel it is inevitable they will have their identity stolen. Don’t Give In! Thieves won’t exert extra effort to hack your identity. They will go for the low-lying fruit- don’t let it be yours. – Freeze your...

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Is the stock market sliding?

Posted by on Oct 18, 2018 in Certified Financial Planner Boise ID, Certified Senior Advisor Boise ID, Financial, Financial Advisor Boise ID, Financial Planner Boise ID, Financial Planners Boise ID, Financial Planning Consultant Boise ID, Financial Services Advisors Boise ID, Peggy's Pearls | Comments Off on Is the stock market sliding?

Is the stock market sliding?   Have you been watching the stock market slide since hitting a record high in early October? The chart shows the last 10 years of activity in the market starting with 2008. It reflects all the trauma and drama we have seen over the last 10 years. All the reasons not to invest in the stock market. Yet if you had invested $10,000 at the time it would now be worth almost $25,000. A return of 8.89%. The S&Ps record high on 10/1/18 of 2,924.69 dropped over 10 days to $2,728.37, a change of 6.7%. The numbers for...

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Don’t Flunk at Retirement

Posted by on Oct 2, 2018 in Certified Financial Planner Boise ID, Certified Senior Advisor Boise ID, Financial Advisor Boise ID, Financial Planner Boise ID, Financial Planners Boise ID, Financial Planning Consultant Boise ID, Financial Services Advisors Boise ID, Live Life to the Fullest, Retirement | Comments Off on Don’t Flunk at Retirement

Don’t Flunk at Retirement   A quality, satisfying retirement doesn’t just happen. While you are working, a thought of leisure time seems wonderful. Yet when all you have is leisure time, it isn’t as satisfying. A little planning, can make your retirement years fulfilling. However, the good thing about leisure time- you have the time to follow your passions. Don’t wait until retirement to begin exploring new interests. Exploring your interests now while you are working makes the transition into retirement smoother. Ask yourself- what dreams or...

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Cyber Security Updates

Posted by on Sep 19, 2018 in Current Events, Cyber Security, Financial Planner Boise ID | Comments Off on Cyber Security Updates

How much is your personal information worth? On the dark web, not much. Your Social Security number can be sold to a hacker for just $1. Your debit card number with bank information or credit card number will put a crook back just $5 each. Medical records tend to go for about $60 because they contain so much information. Creating accounts online could actually help protect your identity. Security expert and writer, Brian Krebs wrote about the strategy this month on his blog. Krebs explains that creating online accounts to manage your various...

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