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Insights

Chasing Yield

I think one of the most common misconceptions that investors have is regarding the value of investing in dividend-paying stocks. I hear this quite a bit from people who call me or email me and try to tell me the virtues of putting money into what they call “high quality, dividend-yielding securities.” And they can sound enticing – sometimes 7, 8, 9 percent dividend yields or more. But just because a stock is paying a high dividend doesn’t mean it’s a great investment for you.

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Here are some articles that we’ve been reading for the week of April 6, 2017

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One of the primary reasons that people come to us as financial advisers is to find out if, and when, they can retire. And you know something? Often times, just the very thought of retirement can cause worry for people… and this can leave them overwhelmed and under-prepared. I’ve seen people both old and young making different mistakes when it comes to their retirement planning, but the biggest mistake I often come across is this: they’re starting their retirement planning too late.

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In these times of low bond yields and market volatility, many investors may be looking for alternative ways to invest their portfolio. Unfortunately, individual investors are often at a disadvantage when it comes to finding alternative strategies. So how can a retail investor gain access to these alternative investments? One way might be through something called a closed-end interval fund.

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Here are some articles that we’ve been reading for the week of March 30, 2017

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Here’s something I’ve been hearing a lot lately: that people are foolish for putting money in their 401(k) plans. They say that deferring taxes now and paying them at retirement will cost you because your taxes will be substantially higher in retirement. But for many retirees, that is untrue.

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Here are some articles that we’ve been reading for the week of March 9, 2017

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If you’re concerned that your retirement savings won’t last as long as you do, you’re not alone. According to a 2016 Northwestern Mutual study, two-thirds of Americans believe there is some chance that they, unfortunately, will outlive their savings.

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1. Falling Correlations Spell Opportunity for Investors The correlations that prevailed since quantitative easing (QE) was instituted are breaking down and presenting investors with new risks. Per a Morgan Stanley analysis of 34 indicators tracking the relative performance of various asset classes, the correlation among them has fallen to the lowest level since 2006. Interestingly,

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You’ve probably heard of companies like Uber, Lyft, TaskRabbit, or AirBnb – they’re part of what’s known as the “shared economy.” Thanks to technology, people can now share their assets, time, skills, or even money with others on a relatively small scale. Of course, these new ways of doing business can challenge the various existing tax rules that were written with a different model in mind. Most people who start a business like this are probably not thinking about that. So, what are the tax considerations?

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