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We’re fielding questions about Employee Stock Purchase Plans (ESPP) more and more it seems. More often than not, these offerings are made available by mid-size to large, well established, publicly traded companies as an additional incentive for long-term savings in the form of stock ownership.
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Classic investments, like stocks, are not the only investments taxed by capital gains. Capital gains taxes can apply to any other property that acquires value over time. Buying and selling things like real estate, collectibles, precious metals, etc. can all generate capital gains. We’re reviewing how capital gains taxes are determined and how they affect other areas of your financial plan come tax time.
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While a savings account is as low-risk as you can get in terms of money accounts, many people are willing to embrace some risk if it means a better return on their investment. The good news is that there are several low-risk options available to put that cash where it can grow, yet still be available in the short term when you need it.
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Life is full of uncertainty. When it comes to financial planning, life insurance needs to be a priority. Although it is not an enjoyable topic, death is inevitable for all of us. If you have loved ones who depend on your financial support, however, then you need to make sure you have a plan in place to take care of them in the event you should pass.
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Your standard 401(k) contribution limits don’t have to stop you from getting even more tax-advantaged savings, allowing you to responsibly save even more for retirement. In fact, if you’ve maxed out your annual contribution limit, you can still take advantage of an after-tax 401(k) contribution.
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If you’re a parent, it’s never too early to start planning for your child’s college education. The cost to attend college is steadily rising every year. Luckily, there are several ways to pay for your child’s college education without putting them into debt. If you plan now, you can set your child up to attend college with plenty of money in place to cover the costs.
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Planning for retirement is too important to leave to chance. Life expectancy is increasing with every decade, which is great news. However, it also means that preparing for retirement needs a fresh perspective.
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We all know we need a will so that our affairs will be in order and our last wishes carried out once we have passed on. But did you know you have options when it comes to creating a will? You may have heard that you can actually do-it-yourself when it comes to creating a will, and it is fairly easy to accomplish online.There are a few considerations to make, however, before going this route.
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Many financial advisors charge clients via commissions, an AUM fee, a combination of fees and commissions, or an hourly rate. These methods guarantee that the financial advisor sees a healthy return for their time and effort. However, they may not be the best method for your wallet.
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