Fewer and fewer Americans today have a pension. If you have one, congratulations, that’s great. It’s a huge asset to have, especially when it comes to retirement. But which pension option should you choose? Should you choose “Your Life Only?” Should you buy out your pension? Should you cover your spouse or maybe even cover…

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One of the most basic and crucial concepts in investing is dollar cost averaging. Dollar cost averaging spreads out your risk over a long period of time. And you’re probably dollar cost averaging without even knowing that you’re doing it, because as you put money gradually into a 401K, you are dollar cost averaging because…

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Everybody wants to be a millionaire, but how do you get there? Is it even possible? A lot of times people think that it’s so far fetched to become a millionaire that they’ll never be able to do it. Well, what we’re going to do is we’re going to break down the numbers to exactly…

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How much actual money is at risk in your portfolio? When clients come in, a lot of times they’ll say, “Okay, I want to take 10 or 15 or 20% risk in my portfolio.” And I’ll step back and say, “Okay, well, let’s actually make sure you understand what that is.” Because 10 or 15…

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You’ve heard of stocks, bonds, and mutual funds, but what is an ETF? I like to describe ETFs as kind of a combination of stocks and mutual funds. The actual investment is more like a mutual fund where it’s professionally traded, and it’s a group of similar investments based on what you want, but it’s…

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As we know, everybody likes to give their opinion. Just sit next to any family member at a Thanksgiving dinner and everyone’s going to tell you their opinion and give you advice on things that they barely know about. We do this because we want to feel smart, we want to connect with people, and…

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