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529 Plans – Are They Right For You?
If you're already saving for college, you've probably heard about 529 plans. 529 plans are revolutionizing the way parents and grandparents save for college, similar to the way 401(k) plans...
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How Can A Business Owner Save Money?
Through the creation of a captive insurance company, businesses can cut their taxes and increase the value of their estate. A business creates a captive insurance company to insure its risk; the...
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10 Year End Tax Management Tips for 2010
As 2010 comes to a close, take the time to get organized and review these strategies that could help you improve your bottom line. Breathe easier with oXYGen Financial! Make sure you use up and max...
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401(k) Charges Are Coming To A Theater Near You
New rules about 401(k) charges finally surfaced from the Department Of Labor last month. Since 401(k) plans have become one of the largest assets owned by U.S. households today, the whole idea behind...
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Personal Finance 101 – Retirement Planning – Investing Within Your 401(k) and...
Last week in Retirement Planning 101, I discussed the different types of retirement vehicles you could use to plan for retirement. Sometimes I think of these vehicles like a coffee cup. Each coffee...
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Personal Finance 101 – The Tax Management Triangle
Don’t you wish that you had a crystal ball to know what the tax rates will be 20 years from now? In 1970, the top tax marginal tax rate was at 70%. In 1980, the top marginal tax rate was still at...
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Start Your Investment Portfolio With ‘One Share’ Of Stock
(source - Articles by Ted Jenkin published on IGrad.com ) With all of the financial jargon you see today about mutual funds, exchanged traded funds, real estate investment trusts, and target funds,...
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When Your 401(k) Makes A Change On You
In the past year, many of our clients have seen changes made to their 401(k) plan. These changes may happen from two separate businesses merging, your employer trying to save costs, or simply a...
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Why The 401(k) Needs To Be Replaced
You would think because I’ve been doing financial planning for 21 years that I would be a flat out 100% advocate for 401(k) plans. With the ability today to put away money on a pre-tax basis in...
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How To Read Your Investment Statements
You have a college degree from a good four year school. Perhaps you went on to get an MBA from a fantastic post graduate program. A few of you have even acquired that coveted PhD! Yet, every...
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The Biggest Investment Mistake You Make Every Year
We all know that investments can be for short term, medium term, or long term. Investments are often thought of in terms of stocks, bonds, mutual funds, real estate, etc. Some people invest their...
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The Three P’s To Picking A Fund Manager
For those that have sat in a conference room building out a new strategy for your company, you know that often the team leader will discuss the three P’s: Purpose, Process, and Payoff. With well over...
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