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What Exactly Is The Fiscal Cliff?

Money Matters Corner:  by Kenneth D. Stephenson What Exactly Is The Fiscal Cliff? The expiration of almost every tax cut enacted since 2001. A reduction in government spending first proposed during the 2011 Debt Ceiling Crisis called the Budget Control [...]

Choices

We all have choices. Choose poorly and you find yourself back at the drawing board forced to make new often harder choices. Don’t choose at all and you’ve just made a choice to be the passive receiver of whatever comes [...]

Cutting Thru The Confusion (Part 1)

I’ve had people tell me that my profession is complex, and not understood by the average consumer.  I would agree that it can be confusing and it could be simplified. That my friend is unfortunate and in my opinion the [...]

Bad Advice = Vanishing Retirement Plan

Here’s a rule of thumb that I’ve heard ever since I’ve been in this business that can surely lead you to financial ruins. Here it is… ” Take 4% out of your account per year at retirement age and you [...]

Why you need your own Pension Plan

Workers are now retiring at older ages because the incentives to retire have changed. Since the mid-1990s, the average retirement age has risen from 62 to 64 for men and from 60 to 62 for women, according to a new [...]