US equities have been exceeding expectations this year. The performance of US Large-cap stocks has largely been fantastic in 2024, with the S&P 500 up almost 10% since the start of the year (*as of…
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Maximize your retirement savings with Post-tax contributions
Employees in both the private and public sectors have various options for saving for retirement. The most common retirement plans are 401(k)s, 403(b)s, and 457 plans, but others like SEP-IRAs and SIMPLE plans are also…
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April 2024 Newsletter | The Basics of Estate Planning
Estate planning stands as a fundamental pillar within a comprehensive financial plan, having significant influence both prior to and following one’s passing. Given the nuanced nature of each individual’s circumstances, the engagement of a professional…
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March 2024 Newsletter | Implications of a TCJA Sunset
The Tax Cuts and Jobs Act enacted under the Trump administration in 2017 brought with it major changes in the way of tax and other regulatory implications. As of now, TCJA is set to sunset…
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Embracing Diversification in a Tech-Dominated Market
The recent surge in the S&P 500 index has undoubtedly caught the attention of investors worldwide, presenting an image of robust market performance. While the overall index may seem to indicate broad-based growth, a closer…
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Why Diversify When Money Market Funds Are Paying 5%?
With money market funds currently offering a substantial 5% yield and the increased level of volatility in the stock market, it’s natural to question the necessity of diversifying into other asset classes. We certainly recommend…
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February 2024 Newsletter – Financial Planning Services
As we march further into the new year, we wanted to provide a brief update on the quality services we are proud to offer. Every action we take is carefully calculated and considers an individual’s…
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Is your Estate Plan part of your New Year’s Resolutions? It should be!
By Eileen Ortega, CTFA It is a New Year and many of us approach each New Year with a clean slate. There are countless bandwagons to jump onto such as starting an exercise regimen, joining…
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Financial War Chest: What is it and why is it so valuable?
By Eileen Ortega, CTFA As I suspect most would agree, the past few years have felt like a roller coaster ride, from a pandemic to global and domestic crises of many kinds. Our discomfort from…
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How to Protect Yourself from Scammers, “Friends,” and Family Members
By Eileen Ortega, CTFA Of late, it feels like I am inundated with scam emails “urgently” telling me that I need to provide my updated credit card on an account, or that an account that…
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