Financial Planning

Do You Need Life Insurance?

By Robert Pagliarini on August 10, 2016

According to the insurance industry group LIMRA and the nonprofit Life Happens, 43% of Americans have no life insurance. Why don’t more young adults buy life insurance? Shopping for life insurance may seem confusing, boring, or unnecessary. Yet when you have kids, get married, buy a house or live a lifestyle funded by significant salaries,…

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Global Market Volatility: How to Stay In & Weather the Storm

By Robert Pagliarini on July 27, 2016

CFP Board Consumer Advocate Offers Tips on Dealing with a Turbulent Global Economy With Britain’s recent vote to leave the European Union, the stock market experienced a 700-point decline. In moments like these, the urge to do something with your U.S. and international equities can be overwhelming. In a recent article posted to LetsMakeaPlan.org, CFP…

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Protect Your Parents From Elder Financial Abuse

By Robert Pagliarini on July 20, 2016

We are becoming more familiar with the notion of financial abuse targeting elders – scams and other exploitation targeting the savings of people aged 60 and older – but many may think, “it won’t happen to my family” or “my relative is too smart to be taken in by this.” These assumptions are only wishful…

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Money Habits That May Make You Richer

By Robert Pagliarini on July 6, 2016

Why do some households tread water financially while others make progress? Does it come down to habits? Sometimes the difference starts there. A household that prioritizes paying itself first may end up in much better financial shape in the long run than other households. Some families see themselves as savers, others as spenders. The spenders…

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What is Medicare?

By Robert Pagliarini on June 20, 2016

Whether your 65th birthday is on the horizon or decades away, you should understand the parts of Medicare – what they cover, and where they come from. Parts A & B: Original Medicare. America created a national health insurance program for seniors in 1965 with two components. Part A is hospital insurance. It provides coverage…

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Diversification Is a Good Thing: CFP Board Ambassador Offers Tips on Which Assets to Diversify and How

By Robert Pagliarini on May 19, 2016

Diversification is a good thing; it is the most effective, least expensive, and easiest-to-implement strategy in an investor’s toolbox to reduce the risk of loss, without sacrificing return. The concept of diversification is readily grasped in a bit of homespun wisdom: when your mother advised “not to put all your eggs in one basket,” she…

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Advice from Warren Buffett

By Robert Pagliarini on April 21, 2016

If you ask someone who the “world’s greatest investor” is, the answer more often than not may be “Warren Buffett.” That honor has never formally been awarded to him, and many other names might be in the running for that hypothetical title, but one thing is certain: the “Oracle of Omaha” is greatly admired in…

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Saving for College & Retirement

By Robert Pagliarini on April 20, 2016

Saving for retirement is a must. Saving for college is certainly a priority. How do you do both at once? Saving for retirement should always come first. After all, retirees cannot apply for financial aid; college students can. That said, there are ways to try and accomplish both objectives within the big picture of your…

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Money Issues When Remarrying

By Robert Pagliarini on March 22, 2016

Some of us will marry again in retirement. How many of us will thoroughly understand the financial implications that may come with tying the knot later in life?                                                           Many baby boomers and seniors will consider financial factors as they enter into marriage, but that consideration may be all too brief.  There are significant money…

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Tax Issues & 529 College Savings Accounts

By Robert Pagliarini on March 16, 2016

Do you have a 529 plan account? Then you will want to know about a pair of federal tax law changes which may benefit you and your student, one involving a February 16 deadline. As 2015 ended, Congress passed the Protecting Americans from Tax Hikes Act (PATH). Deep in its fine print were two “sweeteners”…

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