Submitted by American Capital Planning If you follow any financial publications, there’s no doubt that you’ve seen the words “Robo Advisor” splashed across the pages. It’s flashy, it’s buzzy, but what exactly is the deal with Robo Advisors? It’s easy for the media to glorify, or even glamorize the idea of Robo Advisors, but robo…

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Submitted by American Capital Planning It is no secret that the typical American is working long hours with little respite compared to other countries with large economies. Full-time employees report an average work week of 47 hours and four out of 10 American workers say they work over 50 hours a week. Americans work an…

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Resources: http://www.rwjf.org/en/library/research/2011/09/retirement-and-health-poll.html http://www.geoba.se/population.php?pc=world&type=15 http://www.nextavenue.org/the-secret-to-a-happier-healthier-life-just-retire/ https://www.ncoa.org/news/usoa-survey/2012-2013-results/ https://www.betterment.com/resources/retirement/planning-ahead/retiring-as-a-couple/ https://www.dol.gov/sites/default/files/ebsa/about-ebsa/our-activities/resource-center/publications/top10ways.pdf https://www.mysavingsatwork.com/atwork/1104818723638/1104818723684/1115701245945.htm http://money.usnews.com/money/blogs/on-retirement/articles/2016-05-16/5-secrets-to-happiness-in-retirement https://www.fidelity.com/static/dcle/welcome/documents/CouplesRetirementStudy.pdf *This content is developed from sources believed to be providing accurate information. The information provided is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. Individuals are encouraged to seek advice…

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Submitted by American Capital Planning Man (and Woman!!) vs. Machine.  We know that working with a real live human advisor who is a fiduciary (one who puts your interest first), can create alpha of at least 3% even if they don’t work for Vanguard.  That’s been true for the almost three decades I’ve been working with clients.  Here we…

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Submitted by American Capital Planning It should not take the filing of a tax return or a death in the family to finally create order out of paper chaos so you are not forced to scramble in those critical circumstances. The chances of making costly errors are too great not to take some very simple,…

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Submitted by American Capital Planning   You’re 25 and feeling alive. You’re settling into life after university, paying off your debts and slowly figuring how to “adult”. But with the responsibility of bills, rent, and even keeping up social appearances, prioritizing financial planning is something far too often pushed to the side. Of course the…

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f you’re human you couldn’t possibly have avoided thoughts of what you might do if you had won the recent Mega Millions lottery of over $640 million. While that type of windfall is way outside of the mainstream of reality for most people, it’s not uncommon for some of us to suddenly find ourselves sitting…

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The current economic environment has caused most everyone to reconsider their personal finances with many people having to drastically change their spending and savings habits. Out of this economic malaise may come an opportunity to finally instill the right habits in your teens that can carry them into adulthood on the right financial footing. Just…

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