by Joe Allaria CFP®, MBA | Jun 16, 2020 | Article, Retirement Planning, Risk Management
How to Navigate the 3 Financial Phases of Life Key Takeaways: Accumulation: automate saving and invest for long-term growth while covering the basics (cash cushion, debt, insurance). Preservation: as withdrawals get closer, shift near-term money into lower-volatility...
by Joe Allaria CFP®, MBA | Jun 9, 2020 | Article, Portfolio Management, Retirement Planning
Why You Need a Specialist Near Retirement Key Takeaways: Near retirement, the key shift is from saving to coordinating withdrawals, Medicare, and Social Security decisions. Medicare premiums can be income-based, so the timing of distributions can affect what you pay....
by Joe Allaria CFP®, MBA | May 26, 2020 | Article, Portfolio Management, Retirement Planning
How to Free Yourself from Financial Anxiety Key Takeaways: Feeling financial anxiety is normal, especially during uncertain times like the COVID-19 pandemic. Reduce the unknowns by taking a clear inventory of your assets, debts, income, and expenses so you know where...
by Joe Allaria CFP®, MBA | May 19, 2020 | Article, Portfolio Management, Retirement Planning
Is Cash King? Key Takeaway: In the article, cash is “king” mainly for near-term safety (a solid emergency fund or upcoming spending), but for long-term goals it can hurt returns if fear keeps you out of the market, so cash should match your time horizon and withdrawal...
by Joe Allaria CFP®, MBA | Apr 29, 2020 | Article, Portfolio Management, Tax Planning
What is Tax-Loss Harvesting? Key Takeaway: Tax-loss harvesting is selling an investment at a loss in a taxable account to offset gains (and sometimes income), then reinvesting in a similar—non-identical—holding to avoid the wash-sale rule. The COVID-19 Crisis has had...
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