Quick! Sell it all!

Click here to learn more about CameronDowning. “Sell everything and buy gold!” “Time to take profits off the table!” “The market is poised for a big upswing – get in now!” “Make 16% guaranteed with tax lien certificates!” “Buy my real estate flipping system and control your own rental empire!”   I’m getting an Excedrin

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The Surgeon Who Lost His Fingers

By Jonathan G. Cameron, CFP. ® Nobody wants to plan for a disability. In our experience, clients are more willing to incorporate life insurance into their financial plan than disability insurance, even though they are much more likely to become disabled during their working life. Here are a few key differences between these two types of

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Is a Health Care Flexible Spending Account a Good Idea?

Click here to learn more about CameronDowning. Flexible Spending Accounts (FSAs) With flexible spending accounts (FSAs), you can reduce your tax bill while setting aside money for health care costs. This article considers the pros and cons of FSAs. A flexible spending account (FSA), offered as an elective benefit by many employers, permits workers to

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Are There Disadvantages to Paying off a Home Mortgage Early?

Click here to learn more about CameronDowning. When deciding whether to pay off a mortgage early, a homeowner needs to consider his or her feelings about debt, the potential to earn a higher rate of return if the money were deployed elsewhere, tax savings associated with mortgage interest, future plans, and overall debt load. The

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You Are Generous. Give Creatively.

By Glenn J. Downing, MBA, CFP® As a financial advisor I am privileged to work with many wonderful and generous people who want to leave a legacy – to leave money behind which will continue to accomplish the good works the donor did during his or her lifetime. Often we see or hear the names

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Miami-Dade Rail Opportunities

By Glenn J. Downing, MBA, CFP® Ever wonder what Miami-Dade would look like if we converted many of our freight railroad lines into public transit corridors? Here is a study done by the South Florida Regional Transportation Authority (SFRTA) on the opportunities we have in Miami to leverage existing rail lines to improve transit for our

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Top 5 Mistakes People Make With Their Money

By Glenn J. Downing, CFP® Thinking about David Letterman retiring and all those Top Ten lists.  I thought it might be fun to compile one of my own.  To wit: The Top 5 Mistakes People Make With Their Money           This is a list compiled after about 17 years of experience. Mistake #5:  You eat

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How Well Do You Know Your 401(k)?

Click here to learn more about CameronDowning. The old saying “knowledge is power” applies to many situations in life, including retirement planning. The more you know about the benefits your plan offers, the more likely you’ll be to make the most of them and come out ahead financially when it’s time to retire. Here are

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Charitable Giving Opportunities for the Affluent

 by Glenn J. Downing, MBA, CFP ® For the many affluent investors who are philanthropically inclined, but who lack knowledge about the various charitable giving mechanisms, selecting the right one can be an overwhelming task. The first step in evaluating giving options is assessing your personal expectations: Do you expect or need to obtain current income

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College Savings Plans: What to Know & How to Choose

by Jonathan G. Cameron, CFP. ® Here’s an overview of the different tax-advantaged accounts available to help fund an education. Synopsis: To keep pace with the rising cost of higher education, Americans need to make the most of tax-advantaged accounts. But which ones? So-called 529 college savings plans feature generous lifetime contribution limits, and qualified withdrawals

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