Personal Financial Planning

Benefits Guide!

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Disclosures: This bulletin expresses the views of the author as the date indicated and such views are subject to change without notice. It is important to understand investing in general involves risk of loss that you should be prepared to bear. Please refer to our Firm’s Form ADV Part 2 Disclosure Brochure for more information regarding the risks of the investments held in your account. Our calculated perceived value is an opinion based on the information we have at the time of our forecast.  The risk assumed is that the market will fail to reach expectations of perceived value. Our opinions, forecasts […]

Personal Financial Planning

How to: Cover and Move (Financially!)

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Cover and move is critical to a well-maneuvered military operation. Cover and move means teamwork. One member of the team lays down cover fire. This cover fire puts the enemy on the defensive, allowing the other person to move. Next, the roles are reversed: the person who moved lays down cover fire while the other teammate moves towards the objective. Fortunately, this lesson applies beyond the battlefield. Every financial decision is a conflict. Take an aggressive stance and apply this law of combat to your everyday finances! Below is a graphic on how to cover and move at every stage […]

Personal Financial Planning

How to Create Your Own Whole Life Insurance Policy

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You probably need life insurance if you: Are the primary breadwinner and need protection for your family against the loss of your income Have family members who would be responsible for your debts Have expenses that you need or would like for your estate to cover (examples: estate taxes, funeral costs, unique costs like children’s or grandchildren’s schooling, etc…) Have debts that would eat up assets you would like to pass on to family or loved ones The type of life insurance you buy is contingent on your particular circumstances and needs. That being said, most people only need a […]