By Steve Hoover Given the situation our world is in right now, volatile sounds like a massive understatement. In the midst of social distancing, job instability, and alarming headlines, it’s expected to ask questions such as, “Am I going to be all right?” and “How will this affect me?” These questions most likely reference our…

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By Steve Hoover Do you have a 401(k)? Maybe a better question is: Do you know how your 401(k) works? If you’re like 63% of Americans, this common retirement plan completely confuses you. (1) But don’t go sticking your head in the sand! Your retirement and how you save for it are too important to…

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By Steve Hoover How many times have you felt stuck when trying to make a financial decision? You want to make the best decisions for your money. But so much of the information out there is cookie-cutter, contradictory, and downright overwhelming. Don’t you wish you had a way to design a plan with clear steps…

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By Steve Hoover There’s no denying it: money, and how you handle it, can make or break your life (and your stress levels). I saw firsthand the importance of financial planning and the difficulties created by poor planning by observing my father’s work as an estate planning attorney. Over and over again, I witnessed his…

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  People commonly make the mistake of leaving their old retirement accounts behind when they change jobs. While it’s perfectly legal to do this, there are advantages of taking your old retirement plan with you when you leave. An old account can be transferred to an IRA (Individual Retirement Account) or a new employer’s retirement…

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As a generation of Americans grows older, a considerable amount of their personal wealth is transferring to younger family members. In fact, over 60 trillion dollars is expected to change hands in the next 25 years. You may acquire sudden wealth in other ways, such as the sale of a business or property, divorce settlements, winning…

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Retirement is one of the most important life events you will experience, and getting it right takes wise planning. With a sound intellectual framework, and some assistance from a qualified professional, you can ensure that you are ready to retire when the day comes.   Retirement preparation can be broken down into five phases, with…

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What value does a financial advisor actually provide? This may surprise you, but the value of a quality financial advisor goes far beyond portfolio advice. It’s about guiding clients to develop sophisticated financial behaviors. With robo-advisors and consistent market volatility in the headlines, it’s important to realize the comprehensive advantages of working with a personal…

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Preparing Your Children for Adulthood through Financial Literacy   As a financial advisor, I learn a lot about clients’ short and long-term financial goals through many conversations and building relationships with them. I also often learn about their frustrations and regrets regarding past financial decisions. During these conversations about financial regrets, I often remind clients…

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