Posts tagged Investment Management
Hoping “New Year, New You” Makes Financial Goals Come True?
Hoping “New Year, New You” Makes Financial Goals Come True?

Per Apple’s new ad campaign: Most people quit their New Year's resolutions by the second Friday in January. Well, how are you doing?

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Budgeting, Debt Management, Estate Planning, Investing, Retirement, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownBudget, Best Practice, CFP, family, Goals, Health, Investing, Kids, Local Town Pages, New Year, New Legislation, Net Worth, Joy, Purge, Portfolios, Savings, Tax Planning, Total Return, tax efficiency, Giving, Investment Management, Experience Spending, Tax Deadlines, taxes, Savings Prioritization, Your Money Your Independence
Use November to Finalize Year-End Success and Plan for 2025
Use November to Finalize Year-End Success and Plan for 2025

Wait until December, you risk falling into the apathy and distractions common from Thanksgiving to the New Year. Do you want that for your finances?

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Budgeting, Debt Management, Investing, Retirement, Retirement Planning, Tax Planning, Work Benefits, Your $ Your IndependenceGlenn BrownRMD, Goals, taxes, tax efficiency, Tax Cuts and Jobs Act of 2017, Tax Planning, Secure Act 2.0, Retirement, Semi-Retirement, HSA, Year-End, New Year, FSA, Planning for Unexpected, Financial Planning, Roth 401(k), Roth Conversion, Roth IRA, 529 Plan, Gifting, Budget, Best Practice, Focus on your why, family, Giving, Health Plans, HDHP, IRAs, Work Benefits, Local Town Pages, Open Enrollment, Portfolios, Required Minimum Distributions, Raising Kids, Solo K, tax planning, Investment Management, Investing, Tax-Loss Harvesting, Your Money Your Independence
Thanks, Dad - For Showing How to Lead, Then Trusting to Follow.
Thanks, Dad - For Showing How to Lead, Then Trusting to Follow.

As Father's Day approaches, it's time to pause and express gratitude for these silent architects of our lives.

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PlanDynamic, Your $ Your Independence, Estate Planning, Retirement Planning, Tax Planning, Retirement, Investing, InsuranceGlenn BrownAging Parents, Best Practice, CFP, Children, death, Estate Planning, Focus on your why, family, Financial Planning, Goals, Health, Health Care, Health Insurance, Kids, Home Ownership, Long-Term Care, Local Town Pages, Dad, Portfolios, Multi-Generational Planning, Investment Management, Investing, Savings Prioritization, Savings, Experience Spending, Tax Planning, taxes, Your Money Your Independence
At or Near Retirement? Time to Say Bucket!
At or Near Retirement? Time to Say Bucket!

Retirees view risks differently, but the greatest risk is behavioral. Let’s discuss a sustainable and tax-efficient approach to retirement distribution strategies.

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Your $ Your Independence, Work Benefits, Retirement Planning, Tax Planning, Retirement, Investing, Debt Management, BudgetingGlenn BrownBudget, Work Benefits, Best Practice, CDs, CFP, Dividends, Dividend Growth, Debt Management, Entitlements, family, Focus on your why, Financial Planning, Goals, Healthcare, Health, HELOC, IRAs, IRS, Income Streams, Investing, Inflation, Investment Management, IRA Withdrawals, Joy, 401(k), Solo K, Local Town Pages, Life Insurance, Medicare, Markets, Net Worth, Roth IRA, Portfolios, Pro-rata rule, Access to Equity, Required Minimum Distributions, Home Equity Line of Credit, Refinancing, Real Estate, Rebalancing, Savings, Traditional IRA, Total Return, Tax Planning, diversification, Savings Prioritization, distribution phase, distribution strategies, tax efficiency, taxes, Experience Spending, Tax-Loss Harvesting, Taxes, Index, Your Money Your Independence, Yields, Asset Allocation
Yes, even the Nasdaq-100 Index rebalances. What about you?
Yes, even the Nasdaq-100 Index rebalances. What about you?

Seven companies (combining Alphabet’s share classes) represented over 55% weighting of the NASDAQ 100 index and were educed to 38% with smaller companies within the index being purchased.

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Investing, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownInvestment Management, Investing, Your Money Your Independence, Index, NASDAQ, Rebalancing, Bonds, diversification, Lost Decade, 2000s, Magnificent Seven
Perfection is the Enemy of Good, Focus on Executing Improvements.
Perfection is the Enemy of Good, Focus on Executing Improvements.

While 2022 has been a challenging investment environment, it has been a fantastic year to see the benefits of executing financial plans over the past few years. 

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Investing, Retirement, Retirement Planning, Tax Planning, Work Benefits, Your $ Your Independence, Small BusinessGlenn BrownAsset Allocation, Best Practice, Rebalancing, Debt Management, Cash Flows, Capital Gains, Contribution Limits, Employee Benefits, Economy, Entitlements, IRA Contributions, Investing, 401(k), Work Benefits, Local Town Pages, Inflation, Open Enrollment, Pro-rata rule, Priorities, Portfolios, Required Minimum Distributions, Savings, Tax Planning, Traditional IRA, 403(b), 457, Spending, tax planning, Investment Management, Wash Sale, Tax-Loss Harvesting, Tax Deadlines, taxes, Roth IRA, Roth Conversion, Taxes, Your Money Your Independence, Year-End
When Markets Give You Lemons, Make Roth Conversion
When Markets Give You Lemons, Make Roth Conversion

A year-end strategy to consider for turning lemons into lemonade is Roth Conversion.

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Investing, Retirement, Retirement Planning, Your $ Your IndependenceGlenn BrownRoth Conversion, Roth IRA, taxes, Tax Planning, tax planning, IRAs, IRA Withdrawals, Traditional IRA, Required Minimum Distributions, Economy, Financial Planning, Investing, Investment Management, Markets, Local Town Pages, RMD, Tax Deadlines, Taxes, Your Money Your Independence, Recharacterization
Never ask, “Where do you want to go to college?”
Never ask, “Where do you want to go to college?”

Take control, don’t be another victim to make your teen happy… spending won’t make them happy.

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College Planning, Budgeting, Debt Management, Investing, Your $ Your IndependenceGlenn BrownBudget, Best Practice, Debt Management, College, children, Cash, Children, Tuition, ROI, Refinancing, College Planning, Financial Planning, Financial Aid, FAFSA, EFC, Focus on your why, Financial Independence, Grants, Giving, Goals, Gifting, High School Students, Inflation, Raising Kids, Kids, Local Town Pages, Net Price Calculators, NPC, Investment Management, Investing, Priorities, Student Debt, Savings, Student Loans, Spending, Sandwichers, Social Media, Tax Planning, Teenager, Total Return, Your Money Your Independence, taxes, Expected Family Contribution
Enjoy Every Sandwicher Moment.
Enjoy Every Sandwicher Moment.

This month celebrates those caring for their young children and aging parents simultaneously - Sandwichers.

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Estate Planning, Investing, Retirement Planning, Tax Planning, Your $ Your Independence, Budgeting, College PlanningGlenn BrownAging Parents, attorney, Elder Care Law, Tax Planning, Capital Gains, Best Practice, Beneficiaries, Budget, Debt Management, Probate, College, children, Cash Flows, Caring for aging parents, Local Town Pages, Daycare, Medicare, Dependent Care, Long-Term Care, Health Care, Medical Expenses, Death Tax, Guardianship, guardians, Estate Planning, Estate Tax, Entitlements, family, Focus on your why, Financial Planning, grandchildren, Goals, Giving, Gifting, Savings, Teenager, Health, Health Insurance, Home Ownership, Inflation, Investing, inheritance, Raising Kids, Kids, Markets, Will, Life Insurance, College Planning, Multi-Generational Planning, Mortgage, Minors, Income Streams, Investment Management, Joy, House, Portfolios, Social Security, Priorities, Spending, tax planning, Trusts, Total Return, Trustee, taxes, Your Money Your Independence, Education
You Can’t Always Get What You Want… But If You Try Sometimes
You Can’t Always Get What You Want… But If You Try Sometimes

With markets All Down The Line, thinking it will make you Happy to become Exile on Wall St?

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Investing, Retirement Planning, Tax Planning, Your $ Your Independence, Economics 101Glenn BrownAsset Allocation, Bond Portfolios, Bonds, Best Practice, Rebalancing, Capital Gains, Cash, CDs, Dividend Growth, Dividends, Debt Management, ETF, Economy, Economics, Focus on your why, Financial Planning, Goals, IRAs, IRA Contributions, Inflation, Interest Rates, Investing, Investment Management, TIPs, Markets, Portfolios, Savings, Tax Planning, Budget, Your Money Your Independence, Wash Sale, taxes, tax planning, Tax-Loss Harvesting, Yields, Joy
Resolutions Gone Bad: Rein In Your New Year.
Resolutions Gone Bad: Rein In Your New Year.

How to make financial resolutions that lead to successful planning outcomes.

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Debt Management, College Planning, Investing, Retirement Planning, Tax Planning, Your $ Your Independence, Retirement, BudgetingGlenn BrownAsset Allocation, Sandwichers, taxes, Budget, Best Practice, Rebalancing, Debt Management, children, Children, Cash, Cash Flows, Dividend Growth, family, Focus on your why, Financial Planning, Fee-Only Fiduciary, Financial Independence, Goals, IRA Contributions, Income Streams, Investing, Investment Management, Joy, Kids, Markets, 401(k), Work Benefits, Local Town Pages, Priorities, Portfolios, Pension, Savings, Spending, Tax Planning, Total Return, tax planning, Your Money Your Independence, HELOC, Mortgage, Home Equity Line of Credit, Retirement, Resolutions, Experience Spending, Taxes, Year-End, Your Money
Inflation: Increase assets, borrow, and lock in debits.
Inflation: Increase assets, borrow, and lock in debits.

Action items based upon the old adage “Inflation rewards debtors and hurts creditors”.

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Budgeting, Debt Management, Economics 101, Investing, Retirement, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownAsset Allocation, Bond Portfolios, Rebalancing, Bonds, Best Practice, Debt Management, Dividend Growth, Dividends, Economy, ETF, Financial Planning, Fed, HELOC, Interest Rates, Income Streams, Inflation, Investment Management, Investing, Markets, high yield stocks, Local Town Pages, Mortgage, House, ROI, Portfolios, Priorities, Home Equity Line of Credit, Refinancing, Retirement, Savings, Tax Planning, Total Return, Your Money, Your Money Your Independence, taxes, Tax Deadlines, Taxes, Tax-Loss Harvesting, Year-End, Yields, Entitlements, Social Security, Cash, CDs, TIPs, Treasury Inflation Protection Securities, REITs, Rent, Home Ownership
Tax Loss Harvesting: Give Thanks And Slice Your Pie
Tax Loss Harvesting: Give Thanks And Slice Your Pie

Losing investments can offset realized profits as well as up to $3,000 in non-investment income each year.

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Investing, Retirement, Tax Planning, Your $ Your IndependenceGlenn BrownAsset Allocation, Bonds, Bond Portfolios, Best Practice, Rebalancing, Capital Gains, Investing, Investment Management, Local Town Pages, Markets, Interest Rates, Portfolios, Savings, Tax Planning, Your Money, Your Money Your Independence, Dividends, Wash Sale, taxes, Tax Deadlines, Tax-Loss Harvesting, Taxes, Year-End
Rising Rates, Sinking Values: Are Bonds Dead?
Rising Rates, Sinking Values: Are Bonds Dead?

Since 1976 the bond market has been negative just 3 times, 2021 could be the fourth and worst.

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Economics 101, Investing, Retirement Planning, Your $ Your IndependenceGlenn BrownAsset Allocation, Bonds, Bond Portfolios, Best Practice, Dividends, Economy, Economics, Financial Planning, Fed, Goals, Interest Rates, Income Streams, Investing, Inflation, Investment Management, Markets, high yield stocks, Local Town Pages, Portfolios, Retirement, Savings, Tax Planning, Total Return, Your Money, Yields, Yield Curve, Yield-To-Maturity, Your Money Your Independence, taxes
Revisiting - Dividends: Evolve Beyond Yield
Revisiting - Dividends: Evolve Beyond Yield

Revisiting the conundrum for income investors in today’s low-interest rate environment.

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Your $ Your Independence, Retirement Planning, Retirement, InvestingGlenn BrownAsset Allocation, Sandwichers, Best Practice, Rebalancing, Capital Gains, Cash Flows, Dividend Growth, Dividends, Financial Planning, Fed, Fee-Only Fiduciary, Goals, IRAs, Interest Rates, Income Streams, Investing, Investment Management, Yields, Markets, Local Town Pages, Bonds, Portfolios, Required Minimum Distributions, Retirement, Savings, Tax Planning, Total Return, Your Money, Yield Curve, Yield On Cost, Inflation, high yield stocks
2020 - The Worst Year Ever… Really?
2020 - The Worst Year Ever… Really?

Turn down the hyperbole, 2020 offered great opportunities to refinance, save, invest, WFH, and focus on your why.

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Your $ Your Independence, Retirement Planning, Retirement, Debt Management, Estate Planning, Insurance, Budgeting, Tax Planning, Small Business, InvestingGlenn BrownAging Parents, Asset Allocation, Sandwichers, Tax Planning, Savings, Trusts, Tax Deadlines, taxes, Technology, Best Practice, Budget, Rebalancing, Debt Management, Cash Flows, Estate Planning, Employee Benefits, Economy, family, Financial Planning, Focus on your why, Goals, Health, House, Interest Rates, Investing, Investment Management, Will, 401(k), Raising Kids, Kids, Experience Spending, Life Insurance, Local Town Pages, College Refunds, Mortgage, Markets, Roth IRA, Priorities, Required Minimum Distributions, Home Equity Line of Credit, Refinancing, Retirement, Roth Conversion, IRAs, Student Debt, Student Loans, CARES Act, children, Caring for aging parents, Traditional IRA, Total Return, Taxes, Your Money Your Independence
Closing Time for 2020
Closing Time for 2020

There are investing, tax planning, and retirement planning opportunities to be had before year-end.

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Budgeting, Investing, Tax Planning, Your $ Your Independence, Retirement Planning, RetirementGlenn BrownSECURE Act, Asset Allocation, Tax Planning, Sandwichers, Aging Parents, Payroll, 401(k), 457, 403(b), FSA, Budget, Rebalancing, Best Practice, Financial Planning, Gifting, Health Care, HSA, IRAs, Investing, Investment Management, IRA Withdrawals, Roth Conversion, Roth IRA, Local Town Pages, Portfolios, Required Minimum Distributions, RMD, Wash Sale, taxes, Tax-Loss Harvesting, Tax Deadlines, Taxes, Your Money Your Independence, Year-End
Would’ve, Could’ve, Should’ve… But Did You?
Would’ve, Could’ve, Should’ve… But Did You?

Instead of talk of the future, act on the constants - change and time.  

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Your $ Your Independence, Tax Planning, Small Business, Retirement Planning, Retirement, PlanDynamic, Investing, Insurance, Estate Planning, Debt Management, College Planning, BudgetingGlenn BrownAging Parents, Asset Allocation, Sandwichers, Capital Gains, Tax Planning, Savings, Student Debt, Small Business Owners, Student Loans, Budget, Best Practice, Rebalancing, Debt Management, College Planning, children, College, Caring for aging parents, Economy, Goals, Employee Benefits, Focus on your why, Financial Planning, Fee-Only Fiduciary, Education, Guardianship, Mortgage, Health, Healthcare, Home Equity Line of Credit, HELOC, IRAs, Investing, Investment Management, IRA Withdrawals, 401(k), Raising Kids, Work Benefits, Kids, Local Town Pages, Markets, Interest Rates, Income Streams, Total Return, Portfolios, Priorities, Refinancing, Retirement, Roth IRA, Roth Conversion, Estate Planning, Traditional IRA, Your Money Your Independence, Dividend Growth, Tax-Loss Harvesting, Yields
Proactive Planning and Health Remain Critical
Proactive Planning and Health Remain Critical

Putting off your health or planning over fear isn’t the “new normal”.

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Budgeting, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownTax Deadlines, Capital Gains, Tax Planning, Savings, Budget, Best Practice, Debt Management, Rebalancing, College Refunds, CARES Act, Health, Health Care, Health Savings Accounts, HELOC, Home Equity Line of Credit, MassSave, Healthcare, Employee Benefits, Focus on your why, Financial Planning, Fee-Only Fiduciary, Health Plans, HSA, children, IRAs, Interest Rates, Investing, Investment Management, IRA Withdrawals, Yields, Work Benefits, 401(k), Markets, Local Town Pages, College, Mortgage, Roth IRA, Priorities, Refinancing, Retirement, Student Debt, Student Loans, Caring for aging parents, Traditional IRA, Your Money Your Independence, taxes