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A Quick View On Student Loans

A Quick View on Student Loans

Ashley Sajor

In our society, there is increasing pressure for people to go to college and attain a degree. However, the cost to go to college is also increasing. On average, the cost of tuition increases by about 8% each year. It is becoming extremely difficult for most people to afford college expenses. The reality is many […]

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The Rollover Decision

The Rollover Decision

David Shotwell

When you change jobs or retire, you have the option to roll your retirement plan into an individual retirement account. This is a big decision and often not an easy one. It can be difficult to get impartial advice as both those urging you to roll your funds over to an IRA and the company […]

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Tackling Retirement Goals From Both Ends

Tackling Retirement Goals from Both Ends

David Shotwell

Small changes in savings and spending for younger, working clients can have a big effect on a financial plan because increasing savings often means we can reduce the expected spending needed in retirement. When we set up a financial plan for a new client, often the numbers don’t work well initially. We work to figure […]

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Roth Conversions In A Down Market

Roth Conversions in a Down Market

David Shotwell

As the old cliché says, when life hands you lemons, you need to make lemonade. The market has been sour lately, to say the least. Down markets make Roth IRA conversions more valuable because the inevitable market recovery occurs in the tax-free Roth IRA rather than a taxable traditional IRA. The first step in utilizing […]

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Fourth Quarter 2022 Investment Review And Economic Update

Fourth Quarter 2022 Investment Review and Economic Update

David Shotwell

We’re rolling into the fourth quarter of what has been a lousy year for both stocks and bonds. Inflation continues to run high with only a few signs of abating, and the Federal Reserve continues raising interest rates to slow inflation down. The dollar continues to gain strength, weighing on international investments, and the Russia […]

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What Is A Market Bubble

What is a Market Bubble?

David Shotwell

The term bubble gets thrown around a lot by market commentators. Pessimistic bears tend to say the market is in a bubble whenever it has gone up since their bearish nature leads them to expect it should be down. But what is a bubble, and how should we use the term properly when describing markets?  […]

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Capital Losses As A Tax Asset

Capital Losses as a Tax Asset

David Shotwell

There is no denying that the market has been lousy for the first three quarters of 2022. While frustrating, the market goes through these periods regularly, and when they happen patience and remaining invested are the best medicine. However, when the markets hand us lemons there often is the opportunity to make some lemonade: selling […]

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Why Market Timing Doesn’t Work

Why Market Timing Doesn’t Work

David Shotwell

People often ask us if they should sell their stock investments and “wait until the market is better.” Market timing as a strategy does not work. In addition to this article, check out our podcast episode on the topic of Marketing Timing. Markets are Generally Efficient That means all the news that is available to […]

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The Power Of Investing During Down Markets

The Power of Investing During Down Markets

David Shotwell

It’s an often–repeated cliché about the markets: Stocks are the only thing Americans do not like to buy on sale. When the markets fall, people cut back on contributions to retirement accounts and repeatedly miss out on a golden opportunity to buy shares at low prices. The concept is simple: If you are buying a […]

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What Is A Roth Conversion

What is a Roth Conversion?

David Shotwell

A Roth conversion means moving money from a traditional IRA into a Roth IRA, paying taxes on that money now in the hope of saving tax costs later. While nobody likes paying taxes before they need to, there are several reasons a Roth conversion may make sense as part of a financial plan. First, a […]

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