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Our Two Cents

The financial planning landscape can be pretty confusing.  Not only is it difficult to figure out who has your best interests in mind (as the debate over the fiduciary standard is pretty confusing), but it’s also difficult to figure out who is in the business of EARNING their fee, vice collecting it.  I believe in transparency and always acting in the best interests of my clients. 

Why should you check your withholdings this year? Thumbnail

Why should you check your withholdings this year?

In a right world, every taxpayer would pay just enough in taxes so they don’t owe money to the IRS or get too much of a refund when they file their tax return. In other words, the sweet spot is kind of like Goldilocks...a small refund that’s just right!

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The Value of a Financial Planner: Delegation Thumbnail

The Value of a Financial Planner: Delegation

Delegation is not abdication. Anyone who delegates a task still owns the results. In other words, most of the time, you still have to deal with the results. This is true even if there is recourse for negative results.

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The Value of Financial Planner: Accountability Thumbnail

The Value of Financial Planner: Accountability

There are many people who do not need external motivation to achieve their goals. But it appears that most of us need some sort of external accountability to achieve especially difficult goals. And it’s no different when it comes to achieving financial goals. If nothing else, hiring a financial planner might help you hold yourself to those good financial habits that are key to long-term success.

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5 Reasons to Do a Mid-Year Tax Review Thumbnail

5 Reasons to Do a Mid-Year Tax Review

Every tax season, U.S. taxpayers undergo an amazing ritual. At the beginning of the year, we start collecting forms from various entities: banks, creditors, investment companies, our employers, etc. After we’ve gotten all of our paperwork, we then figure out whether we’re going to waste a weekend slogging through all this paperwork, or if we’re going to outsource it to someone like a strip mall tax preparer or a CPA. Whatever we decide, our singular focus is to figure out one thing: “How big is my refund going to be?”

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How does the new tax law affect my home mortgage interest deduction?  Thumbnail

How does the new tax law affect my home mortgage interest deduction?

Taking out a home equity line to pay down credit cards -- expect that to be a thing of the past. It might take some time for the IRS to come out with clear guidance on what records they expect taxpayers to keep. However, TCJA does make it clear that any mortgage interest is expect to meet the definition of home acquisition debt: to buy, build, or substantially improve a primary or secondary residence.

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How Does the New Tax Law Affect My Deductions? Thumbnail

How Does the New Tax Law Affect My Deductions?

In 2017, Congress passed the Tax Cuts & Jobs Act (TCJA), which represents the largest tax reform since the 1980s. This reform is so wide-sweeping that it affects virtually everyone, usually in more ways than one. Given that, it’s difficult for many people to figure out whether they’re better off or worse off than before.

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