Financial Planning

What’s the Difference Between Active & Passive Investment Management?

By Robert Pagliarini on February 12, 2017

Investment management can be active or passive. Sometimes, that simple, fundamental choice can make a difference in portfolio performance. During a particular market climate, one of these two methods may be widely praised, while the other is derided and dismissed. In truth, both approaches have merit, and all investors should understand their principles. How does…

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Financial Moves You Can Make in 2017

By Robert Pagliarini on February 7, 2017

What financial, business, or life priorities do you need to address for 2017? Now is a good time to think about the investing, saving, or budgeting methods you could employ toward specific objectives, from building your retirement fund to lowering your taxes. You have plenty of options. Here are a few that might prove convenient: …

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Couples Advice on Managing Wealth

By Robert Pagliarini on February 5, 2017

When you marry or simply share a household with someone, your financial life changes – and your approach to managing your money may change as well. To succeed as a couple, you may also have to succeed financially. The good news is that is usually not so difficult.  At some point, you will have to…

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Do You Need Life Insurance Before Age 40?

By Robert Pagliarini on February 1, 2017

Do you plan to buy life insurance before you turn 40? Maybe you should. You may save money in the long run by doing so. At first thought, the idea of purchasing a life insurance policy in your thirties may seem silly. After all, young adults are now marrying and starting families later in life…

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Make a Plan to Get Financially Fit

By Robert Pagliarini on January 30, 2017

Year after year, getting healthy is a top New Year’s resolution for Americans, while saving more and spending less typically ranks lower on the list of priorities. Although many people will purchase gym memberships they may never use, taking steps to improve financial wellness is a resolution worth pursuing, and sticking to. In the latest…

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Make a Plan to Get Financially Fit

By Robert Pagliarini on January 28, 2017

Year after year, getting healthy is a top New Year’s resolution for Americans, while saving more and spending less typically ranks lower on the list of priorities. Although many people will purchase gym memberships they may never use, taking steps to improve financial wellness is a resolution worth pursuing, and sticking to. In the latest…

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Homeowners Insurance And What It Covers

By Robert Pagliarini on January 25, 2017

Not all home insurance policies are alike. Coverage amounts obviously vary, and so do coverage areas. Taking ten minutes to scrutinize what your policy does (and does not) cover is a wise idea. Homeowner policies routinely provide tornado, windstorm, & hailstorm coverage. If a tornado, windstorm, or hailstorm damages your home or yard, the insurer…

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What Are Your Money Beliefs?

By Robert Pagliarini on January 6, 2017

Our relationship with money is complex & emotional. When we pay a bill, go to the mall, trade in a car for a new one, hunt for a home or apartment, or pass someone seemingly poor or rich on the street, we feel things and harbor certain perceptions. Are our attitudes about money inherited? They…

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Why “Stretched Worriers” Feel Financially Trapped

By Robert Pagliarini on December 17, 2016

The Certified Financial Planner Board of Standards, Inc. (CFP Board) has examined American spending patterns and created four overall categories. The study found that one group earns insufficient income to pay current bills or past debt, effectively preventing these individuals from saving for retirement. These individuals, aptly named “Stretched Worriers,” are the most concerned out…

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How To Improve Your Finances Today

By Robert Pagliarini on December 9, 2016

In life, there are times when simple decisions can have a profound impact. The same holds true when it comes to personal finance. Here are some simple choices you could make that may leave you better off financially – in the near term, the long term, or both. Use less credit. Every time you pay…

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