Let’s talk dirty for a moment.  Scientific American, in 2017, made the public health case for a cashless society.  Paper money travels amongst hands and germs for 4-15 years, coins up to 25 years (that’s a quarter century – pun intended). Going back to the ‘70’s, studies have shown just how pathogens survive on currency,…

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Sell My House Sell My Business

By the time clients are thinking about selling their business, they have usually sold at least one home, sometimes many homes.  See if this scenario sounds familiar:  You get your house ready to sell and the first potential buyers come through and relay several objections to parts of your home.  Maybe they think the kitchen…

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(with apologies to The Clash) Darling, you got to let me know . . . One of the hardest decisions a business owner will ever make is when to sell their baby.  And to whom. And for how much.  I’ll be here till the end of time . . . Most owners overestimate how long…

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Life Insurance

In an ideal world, you buy life insurance when your kids are young or you’ve purchased your first home, and you need the coverage only for about 20 years. By the time your policy nears the end of its term, your kids are on their own, your house is mostly paid off, and you’ve accumulated…

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By Bonnie Sewell Unfortunate fact: a woman’s standard of living, on average, goes down by almost 30% after divorce. If you are a woman in this unfortunate situation, seek care and consideration from a financial adviser with expertise in helping clients going through a divorce. Understanding what women face financially after such a big transition includes recognizing…

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In our divorce workshops this past weekend, we shared information on tax reform and the impact on divorce settlements.  Consider this, however – the best tax planning under the new law could become perilous if the regime changes as early as midterm elections.  The next potential upheaval would be 2020 after that and, of course, except…

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Submitted by DYSNYD Because we also work with older, high net worth clients, we have uncovered the need for life insurance, either to provide estate liquidity or for the purpose of increasing a family legacy. Whatever the reason, a life insurance policy is a major purchase for older clients, often requiring the payment of large…

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“Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.” – Ayn Rand Security, liquidity, and earnings are all benefits to having a savings account. Your money is federally insured up to $250,000 and you can access your money when needed. That doesn’t mean that…

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Pat and Kelly, new parents, made a couple monthly budget adjustments upon the arrival of their first child. First, due to the added cost of day care and dependent health insurance, they decreased the amount they were saving for a house. And second, they agreed to review their life insurance needs. Pat’s sister suggested they…

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