Sudden Wealth Advisors

Smart Financial Moves for Any Age (Your 20s, 30s, 40s & 50s)

By Robert Pagliarini on January 5, 2016

If you had a timeline of the financial steps you should probably take in life, what would it look like? Answers to that question will vary, but certain times of life do call for certain financial moves. Some should be made out of caution, others out of opportunity. What might you want to do in…

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Should You Write Your Own Will?

By Robert Pagliarini on June 8, 2015

Maybe you have seen those will-in-a-box kits. Maybe you have even considered picking one up. Think twice about that. While you can draft a will on your own, there are plenty of reasons why you may not want to go that route. Most people do it to save money, but they may overlook or forget…

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What is a Special Needs Trust?

By Robert Pagliarini on May 20, 2015

If you have a child with special needs, you face long-run financial demands that cannot be fully met through federal and state assistance. What can you do to try and meet them? A special needs trust may provide an answer to this dilemma. This is a trust designed to provide for assorted care and lifestyle…

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Why You Should Use A Registered Investment Advisor (RIA)

By Robert Pagliarini on May 12, 2015

Who should manage significant wealth? In recent years, more and more high net worth households have found their answer to that question: a Registered Investment Advisor.     What is the RIA difference? RIAs have a fiduciary duty to act in your best interest. That is a legal obligation, and it is expressed in the investment…

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What To Do If You Are Retiring In The Next 5 Years

By Robert Pagliarini on

You can prepare for your retirement transition years before it occurs. In doing so, you can do your best to avoid the kind of financial surprises that tend to upset an unsuspecting new retiree. How much monthly income will you need? Look at your monthly expenses and add them up. (Consider also the trips, adventures…

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What You Need To Know About Bonds And Interest Rates

By Robert Pagliarini on May 7, 2015

Will bond investors soon suffer major losses? In the last few years, Bill Gross, Jim Rogers and other pundits have warned of a bond bubble. While it has yet to occur – the broad bond market yielded an annualized 4.42% from 2010-2014 – the threat remains. Quality bonds have a place in a portfolio, but…

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Do You Need Life Insurance?

By Robert Pagliarini on

Many younger Americans lack life insurance. A 2014 report from insurance industry analyst LIMRA found that only a third of Gen Y Americans have any life insurance coverage. In the same survey of 6,000 respondents, six in 10 Gen X and Gen Y Americans said their households would be hard pressed to make ends meet…

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Protecting Your Elderly Parents from Financial Fraud

By Robert Pagliarini on May 6, 2015

Elders are financially defrauded daily in this country. Just a tiny percentage of these crimes are made public. In fact, the National Adult Protective Services Association (NAPSA) estimates that only 1 in 44 cases of elder financial abuse are reported. A recent NAPSA study found that 11% of seniors had been financially “abused, neglected or…

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Risks to Family Wealth

By Robert Pagliarini on

All too often, family wealth fails to last. One generation builds a business – or even a fortune – and it is lost in ensuing decades. Why does it happen, again and again? It is because families fall prey to serious money blunders – old and new. Classic mistakes are made, and changing times aren’t…

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Turning Sudden Wealth Into Lasting Wealth

By Robert Pagliarini on

Many are the stories of family wealth lost. In the late 19th century, industrial tycoon Cornelius Vanderbilt amassed the equivalent of $100 billion in today’s dollars – but when 120 of his descendants met at a family gathering in 1973, there were no millionaires among them. His fortune eroded within two generations of his passing.…

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