Believe it or not, we’re already in “back to school” season. And to continue our recent series of posts on paying for college, today’s covers a question I’m sure will resonate with many readers: Should…
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How to Use Strategic Asset Location to Reduce Your Tax Bill
I’m a believer that the biggest factor contributing to the returns in your portfolio is asset allocation. The amount of your portfolio you choose to invest in stocks, bonds, real estate, or anything else will ultimately…
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The Defined Benefits Pension Plan: Helping Business Owners Shelter Thousands from Income Tax
Taxes are frustrating to nearly every small business owner I speak with. Most people agree that we should all pay our fair share. But after working countless thousands of hours to build a viable business, it’s…
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How to Tell Whether You Have Enough Money to Retire
“I’m not sure I have enough saved up to retire.” “How can I know for sure my savings will last after I stop working?” “I”m concerned I’ll spend through my savings too fast and run…
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You’ve Inherited an IRA. Now What?
Inheriting an IRA is quite a bit different than inheriting any other asset. Unlike cash or investments in a traditional investment account, if you inherit an IRA you’ll need to start withdrawing from the account…
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Top Strategies for Managing Incentive Stock Options
Incentive stock options, or ISOs, are a pretty common way for companies to compensate management and key employees. Otherwise known as “statutory” or “qualified” options, ISOs are a way to give management a stake in…
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How the Trump Presidency Could Affect Your Finances
Recently I’ve had a few questions from clients and readers about what they should be looking out for now that we have a new president in office. As you know, Mr. Trump has had a pretty…
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What’s the Optimal Portfolio Rebalancing Frequency?
If you’ve read the blog for very long, you probably know that I’m a big proponent of thoughtful and customized asset allocation. The percentage of your portfolio invested in stocks, bonds, cash, and real estate…
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Mutual Fund Capital Gains Distributions: What They Are & How to Avoid the Tax Hit
If you’ve ever invested in a mutual fund, you may know that they’re required to distribute at least 95% of their capital gains to investors each year. You may also know from experience that these…
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The Top 7 Mistakes People Make when Planning for Retirement
Hello ATC Readers! This post is to announce that I’ll be hosting a free retirement webinar in a few weeks. I’ve been getting a lot of questions recently to the effect of “what am I…
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