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Your Pension Plan Options: Buying Back Years of Service

Posted By: Jeremy Reif
Wed, Mar 31, 2021

Planning for retirement can be confusing when you have multiple savings vehicles, such as 401(k)s, pensions, or IRAs. Each type of investment plan has its own fine print, but understanding your options is essential to maximize your benefits and enter retirement with the highest income possible. If you have a pension (more)

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A Stock Market Lesson to Remember

Posted By: Jeremy Reif
Sun, Mar 14, 2021
Spring 2020 has tried the patience of investors. The facts; An 11-year bull market ended. Key economic indicators went haywire. Investors’ confidence was shaken. The Standard & Poor’s 500, the equity benchmark often used as shorthand for the broad stock market, settled at 2,237.40 on March 23, down 33.9% from a (more)
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Can A Roth Help You Minimize Your Tax Loss?

Posted By: Jeremy Reif
Tue, Mar 2, 2021
Dealing with retirement can be tricky. Do you plan for the here and now and everything that goes with it or do you plan for the future and try to take an educated guess as to what might happen? This is especially true when it comes to taxes. Is it (more)
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You Go To A Doctor For Surgery, So Why Not Work With A Professional For Your Finances?

Posted By: Jeremy Reif
Tue, Feb 16, 2021
If you are sick and in need of surgery, you usually don’t think twice about seeing a doctor and relying on their expertise. Unfortunately, many people don’t treat their finances with the same seriousness as they do their health. Let me explain why this matters. DIY Or Professional Services? I recently had (more)
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Building Wealth Might Be Simpler Than You Think

Posted By: Jeremy Reif
Wed, Feb 10, 2021
Building wealth involves a whole lot more than just a get-rich-quick scheme or a hefty dose of good luck when chasing trends in the stock market. More often than not, it comes down to making the right financial decisions, big and small, over an extended period of time. That may (more)
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6 Tips To Review Before Electing Your Pension Option

Posted By: Jeremy Reif
Sat, Jan 23, 2021
What are your daily, monthly or annual expenses? These can be broken down into two different categories and more importantly create a list or at the very minimum write down the totals for each category. Fixed expenses (ex. Utilities, food) A1. Will your fixed expenses change once you retire? (ex. Pay off (more)
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Do Your Investments Match Your Risk Tolerance?

Posted By: Jeremy Reif
Fri, Jan 8, 2021
When you began investing, you likely chose an investment portfolio model that aligned with your risk tolerance and time horizon. But since the financial markets are dynamic, the different investments in your portfolio will gain or lose value as different asset classes have good or bad years. This means that (more)
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What Would You Give Up To Retire Early?

Posted By: Jeremy Reif
Wed, Dec 30, 2020
Sure, the thought of retiring early is wonderful, but unless you win the lottery or receive a significant inheritance, most of us need all the time we can get to save for our golden years. That is, unless you are willing to make drastic sacrifices to clock out of your (more)
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Successful retirement; Will you be the one who pays more in tax during retirement?

Posted By: Jeremy Reif
Thu, Dec 24, 2020
If you are/were successful in your career, let me be one of the first to congratulate you. I am also sure the Internal Revenue Service (IRS) would also like to thank you. Most likely you walked right into a tax trap. Now let me explain. It is human nature to want (more)
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Making Investment Decisions: Evidence Or Emotion?

Posted By: Jeremy Reif
Sat, Dec 12, 2020
Do you make decisions based on evidence or emotion, information or instinct? Many people believe that some just have a knack for choosing good investments. But in reality, successful investing is much more a science than an art. And emotions can really mess up that science, especially when we aren’t (more)
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