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The Roth IRA is one of the most powerful retirement tools available, allowing your money to grow tax-free and giving you the flexibility of tax‑free withdrawals in retirement. But with those benefits come some easily overlooked traps, especially for higher-income earners who risk making ineligible contributions or running afoul of the pro‑rata rule when converting funds.
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The beginning of a new year is one of the best times to reset your financial foundation. With a full twelve months ahead, even small, but deliberate actions can create meaningful momentum. Whether you’re aiming to grow wealth, reduce stress, or simply organize your financial life, these high-impact steps can help you start from a position of strength.
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Dividend paying stocks are a popular choice for investors seeking regular income alongside the potential for long-term growth. These investments can be a strong addition to a diversified portfolio, but understanding how they work, their tax treatment, and how they stack up against alternatives like bonds is key to making informed decisions.
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Football season is starting soon, and with it comes a game-day experience that looks very different than it did just a few years ago. The rapid rise of online sports gambling has transformed the sport in many profound ways, altering fan engagement, the economic landscape, and how the NFL operates commercially.
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Choosing the right retirement plan for your small business is one of the most impactful decisions you’ll make, both for your future and your team’s. Whether you’re a sole proprietor or have a staff of five or more, understanding the differences between SEP IRA, Standard 401(k), and Solo 401(k) is critical to maximizing savings and minimizing stress.
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When it comes to financial planning, most investors are familiar with asset allocation—the process of spreading investments across stocks, bonds, and other asset classes to manage risk. But there’s another, often overlooked strategy that can make a huge difference in your after-tax returns: asset location. This strategy is a cornerstone aspect of how Afton Advisors positions client portfolios to pay the least tax possible.
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The Federal Reserve might seem complex, but its decisions have a direct impact on your everyday finances—from mortgage payments to savings account interest. Our latest blog post breaks down what the Fed is, what it does, and how it affects you.
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In today’s world, where parents have become the de-facto cruise directors for their kids, it can add a lot of stress to the family when busy parents are themselves always trying to find ways to keep kids busy. No need to fear, there are solutions out there.
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When working with a financial advisor, understanding how they’re compensated is crucial to ensuring you’re getting value for your money.
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