by Joe Allaria CFP®, MBA | Aug 25, 2025 | Article, Portfolio Management, Risk Management
The Right Way to Diversify Your Investment Portfolio Key Takeaways: Real diversification isn’t just owning many funds — it means ensuring the underlying assets are truly different in industry, size, geography, etc., to avoid overlapping exposures. Owning multiple...
by Joe Allaria CFP®, MBA | Apr 1, 2025 | Article, Portfolio Management, Risk Management, Tax Planning, Video
Estate Planning in Illinois: Everything You Need to Know Key Takeaways: Estate planning in Illinois isn’t just for the wealthy — everyone, no matter their age or assets, benefits from having a plan to clarify how their property, finances, and medical decisions will be...
by Joe Allaria CFP®, MBA | Mar 17, 2025 | Article, Portfolio Management, Risk Management, Tax Planning, Video
How Tariffs Could Impact Your Investments, Retirement, and Everyday Expenses Key Takeaway: Tariffs raise prices on everyday goods and create market uncertainty, which can strain your budget and increase volatility in your investment and retirement accounts. In recent...
by Joe Allaria CFP®, MBA | Dec 20, 2024 | Article, Estate Planning, Risk Management
Term vs. Whole Life Insurance Key Takeaways: Term life insurance is typically far less expensive and covers you for a fixed period — ideal if you want affordable protection during years with major financial obligations. Whole life insurance costs more but provides...
by Joe Allaria CFP®, MBA | Oct 16, 2024 | Article, Estate Planning, Risk Management
How Much Life Insurance Do I Need? Key Takeaway:You should base how much life-insurance you need on what your death benefit must cover — debts (like mortgage or loans), future expenses (children’s education, etc.), and income replacement for loved ones — so total up...
by Joe Allaria CFP®, MBA | Dec 29, 2021 | Article, Portfolio Management, Risk Management
Health Savings Accounts: A Best-Kept Secret? Key Takeaways: A Health Savings Account (HSA) is a tax-advantaged account that lets you contribute pre-tax, grow money tax-free, and take tax-free withdrawals for qualified medical expenses. To use an HSA, you must be on a...
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