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Financial Advisor Blog

Topics include sudden wealth, financial retirement planning, personal and business finance.

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Start Saving Today For Tomorrow’s College Expenses

How expensive will college be tomorrow? The Department of Education projects that by 2030, the tuition cost of obtaining a four-year degree at a public university will surpass $200,000. Staggering? Indeed, but college is plenty expensive already. For the 2017-2018 school year, tuition averaged $25,290 a year at public colleges and $50,900 a year at…

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How To Put Your Tax Refund to Work

Should your refund be saved? According to a TD Ameritrade poll, 47% of U.S. taxpayers expect a refund this year. What do they plan to do with the money? The answers may surprise you. While 15% of the survey respondents indicated they would spend their refunds on discretionary purchases, 47% said they would save the…

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Which Financial Documents Should You Be Keeping on File?

You might be surprised how many people have financial documents scattered all over the house – on the kitchen table, underneath old newspapers, in the hall closet, in the basement. If this describes your financial “filing system”, you may have a tough time keeping tabs on your financial life. Organization will help you, your advisors…

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Robert’s CBS Column: The Gender Gap in Financial Education

Robert Pagliarini, an expert in wealth management, inheritance planning, financial planning, and sudden wealth™, writes a financial column for CBS News MoneyWatch that is also syndicated in newspapers across the country. The following is a column Robert wrote for CBS: Last year I wrote Financial Help for Women, and provided five strategies for women. Some thought…

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Budgeting for Retirement

The importance of budgeting. You won’t be able to withdraw an unlimited amount of money in retirement, so a retirement budget is a necessity. Some retirees forego one, only to regret it later. Run the numbers before you retire. Years before you leave work, sit down for an hour or so and take a look…

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Your Annual Financial Check-Up

Here’s the scenario … you get a card in the mail, one of those little reminders that tells you it’s time for your annual financial checkup. Your reaction: I’ll take care of that later. Here’s why you should look forward to it. Why do I need an annual review? Because things change, and during the…

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Make a Will: The Importance of Estate Planning (And Not Just for the Rich)

You have an estate. It doesn’t matter how limited (or unlimited) your means may be, and it doesn’t matter if you own a mansion or a motor home. Rich or poor, when you die, you leave behind an estate. For some, this can mean real property, cash, an investment portfolio and more. For others, it…

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What Happens to Bonds if Interest Rates Rise?

How long can it last? The Federal Reserve has said that it will do what it can to keep interest rates low, but these efforts cannot stem the tide forever; it’s inevitable, at some point, that interest rates will rise and diminish bond prices. The only question is: when and how much? A fifth year…

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Is Now the Right Time to Refinance?

Mortgage rates are still low. The earliest numbers from 2013 have remained lower than they were this time last year, leading a number of homeowners to consider (and re-consider) their options. On January 17, interest rates on 30-year FRMs dropped to 3.38%. This is down 0.5%  from a year ago at this time. Many have…

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Building An Emergency Fund: How You Can Create a Financial Cushion for Stressful Times

How would you respond to sudden financial demands? We all define “emergencies” differently, but we are not immune to them. How can we plan to stay afloat financially when they occur? Most households are not financially prepared for an emergency – not even close. A recent study from the National Foundation for Credit Counseling found…

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