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Year End Money Tips to Consider

By Robert Pagliarini on December 5, 2014

What has changed for you in 2014? Did you start a new job or leave a job behind? Did you retire? Did you start a family? If notable changes occurred in your personal or professional life, then you will want to review your finances before this year ends and 2015 begins. Even if your 2014…

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Marriage Money Tips

By Robert Pagliarini on November 22, 2014

No married couple should suffer from financial infidelity. If you hide debt, income or assets from your spouse, it can lead to a fight and possibly even an impasse in your relationship. Communication & transparency are essential when it comes to money. That truth should be recognized by every couple tying the knot, or even…

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Why You Should Consider a Health Savings Account (HSA)

By Robert Pagliarini on November 12, 2014

Why do people open up Health Savings Accounts in conjunction with high-deductible insurance plans? Well, here are some of the compelling reasons why younger, healthier employees decide to have HSAs. #1: Tax-deductible contributions. These accounts are funded with pre-tax income. Your annual contribution limit to an HSA depends on your age and the type of…

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Financial Planning Tips for the Fall

By Robert Pagliarini on October 21, 2014

As every calendar year ends, the window slowly closes on a set of financial opportunities. Here are several you might want to explore before 2015 arrives. Don’t forget that IRA RMD. If you own one or more traditional IRAs, you have to take your annual required minimum distribution (RMD) from one or more of those…

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Financial Planning For 2015… Today

By Robert Pagliarini on October 7, 2014

2015 is less than three months away. Fall is the time when investors look for ways to lower their taxes and make some financial changes. This is an ideal time to schedule a meeting with a financial, tax or estate planning professional. How do economists see next year unfolding? Morningstar sees 2.0-2.5% GDP for the…

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Robert Pagliarini Selected As a “Wealth Advisor with a Heart” By Trust & Estates Journal

By Robert Pagliarini on September 26, 2014

Robert was recently featured by WealthManagement.com as a Wealth Advisor with Heart for philanthropic work with his Band of Brothers nonprofit organization. When Typhoon Haiyan hit the Philippines and devastated Molocabac Island in November 2013, Band of Brothers sprung into action to provide struggling families with food and water and help them rebuild homes and…

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Why Life Insurance at a Young Age May Be a Good Idea

By Robert Pagliarini on September 14, 2014

You may have read that you don’t need to buy life insurance early in life. That’s not necessarily true. In fact, getting a policy before midlife may prove wise. Relatively few people opt for life insurance coverage between the ages of 18 and 45, yet there are compelling reasons to get life insurance within this…

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The Basics of Life Insurance

By Robert Pagliarini on September 11, 2014

When it comes to life insurance, there are many options. You may have heard terms like “whole life insurance,” “term insurance,” or “variable insurance,” but what do they really mean? And what are the differences between them? Well, first let me point out what they have in common: all life insurance policies provide payment to…

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What is an Irrevocable Life Insurance Trust (ILIT) & Why You May Need One

By Robert Pagliarini on

You may think of life insurance in very simple terms: you buy a policy so that your loved ones will have some financial assistance when you die. Its functionality doesn’t end there. If it looks like your accumulated wealth will be subject to estate taxes someday, life insurance may be a very useful tool for…

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6 Signs That Your Finances Are In Good Shape

By Robert Pagliarini on September 9, 2014

How well off do you think you are financially? If your career or life takes an unexpected turn, would your finances hold up? What do you think will become of the money you’ve made and saved when you are gone? These are major questions, and most people can’t answer them as quickly as they would…

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