9 Questions to Ask Your Tax Advisor

Organizing my tax information prompted me to write on this topic. Coincidentally, I ran across an article on the topic by Elaine Floyd, CFP® and Richard Koreto, who I credit for this list of questions, but which I have adapted based on my experience. As will become clear from this discussion, it is important to […]

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2013 Markets Review

What a difference a year makes! Early in 2013, things were incredibly unsettled: markets continued to teeter based on the most recent news from Europe, we had just “gone over the fiscal cliff,” we all wondered what the impact of the sequester would be, Congress was always divided on some issue . . .   the […]

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Seven Savvy Charitable Giving Strategies

As we approach the end of the year, our thoughts turn not only to thankfulness for the blessings in our lives, but also to giving back. One of the great pleasures of achieving your financial goals may include charitable giving, and this post discusses several financially smart ways to give. The following are only general descriptions […]

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Be Ready for Performance Claims

Investors, be alert for the fact that things will look very different for fund performance once we close 2013. By December of this year, five-year calculations of fund performance will drop off the impact of 2008. We should expect that trailing fund results will suddenly look quite a bit better than they have for some […]

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Here Come the Hedgies!

If you have not already read this in the press, be forewarned that the SEC lifted an 80-year-old ban and will now allow hedge fund to solicit funds not only from sophisticated investors, but from any who meet a minimum standard of $1 million in net worth or annual income of $200,000. There is a […]

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Third Quarter and Year-to-Date Markets Review

The stock markets were resilient through the first three quarters of the year, despite multiple headwinds: the possibility of rising interest rates, challenges for Europe and emerging markets, renewed conflict in Washington, and some concern about corporate profits. As noted earlier in the year, despite some increased volatility, if an investor’s portfolio was balanced between […]

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Garrett Planning Network News

Sheryl Garrett and the Network have figured in the news a lot lately. Here is a sampling of the latest; Sheryl Garrett and the Network featured in Forbes Magazine: http://www.forbes.com/sites/baldwin/2013/09/04/financial-advice-that-will-save-you-50000/ Also in Reuters on the impact on the middle class of how they to pay for financial services: http://www.reuters.com/article/2013/09/19/us-column-miller-fiduciary-idUSBRE98I07V20130919 And last but not least, Sheryl […]

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Kulig Financial Advisors now offering Dimensional Fund Advisors funds

In August I attended a conference held by Dimensional Fund Advisors, a semi-passive fund manager, so that I may offer their funds to clients who have an ongoing relationship with Kulig Financial Advisors (asset management or portfolio monitoring assignments). The session in New York was very good, and I can now make these products available […]

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The Affordable Care Act (ACA)

The Basics for Those New to Universal Health Coverage Although the Act was approved back in 2010, there has been little specific information on what this might mean in concrete terms until very recently. The Act goes into effect very soon—October 1 is the target date for new health care exchanges, and we will all […]

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