The Advantages to Delaying Retirement

 by Glenn J. Downing, MBA, CFP. ® Many people welcome the opportunity to extend an enjoyable career, maintain professional contacts, and continue to learn new skills. Whether you look forward to staying active in your later years or simply need the income, delaying retirement has many perks worth considering. Americans are living longer, healthier lives, and

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Recent Grads – Make a Budget, Start Saving

Click here to learn more about CameronDowning. Jonathan Cameron was quoted in the Miami Herald! Read on for more. ********************************************************** Even those with student loans and credit card debt can create a path to savings. It will require some discipline and trade-offs. Wesley Ulloa could be the millennial face of savvy money management. At 29,

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Future Downtown Miami Skyline

Learn more about CameronDowning. Here’s a fantastic video released by the Miami Downtown Development Authority showing what Miami’s skyline could look like in the near future. As the video progresses, please note the color scheme at the bottom left:  what is actually under construction vs. what is planned.  Note particularly the All Aboard Florida train

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All Aboard!

by Glenn J. Downing, MBA, CFP. ® The Florida East Coast Railway is the company that Henry Flagler established way back when.  It was in the same business then that it is in now:  what we now call transit-oriented development.  They build the railroad infrastructure, and develop the real estate around the stations. The All Aboard Florida Miami station

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Interest Rates: What’s the Connection to Your Portfolio?

Learn more about CameronDowning. Interest Rates: What’s the Connection to Your Portfolio? Here’s how rising or falling interest rates could affect your investment strategies. When it comes to interest rates, one thing’s for certain: What goes down will eventually come up. The federal funds rate — the rate on which short-term interest rates are based

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What Is a Stretch IRA?

by Glenn J. Downing, MBA, CFP. ® This article discusses how a stretch IRA can help “stretch” tax deferral to a younger beneficiary after an account owner’s death. A stretch IRA is a traditional IRA that passes from the account owner to a younger beneficiary at the time of the account owner’s death. Since the younger

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When Are IRA Contributions Tax Deductible?

Learn more about CameronDowning. Contributions to a traditional IRA are tax deductible if you don’t already participate in an employer-sponsored retirement plan. For 2015, the maximum you can contribute to an IRA is $5,500. If you are age 50 or over, you can make an additional “catch-up contribution” of $1,000. If you do participate in

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A Day at the Homestead Air Force Base

by Jonathan G. Cameron, CFP. ® It was a rainy, early Sunday morning. I was at the entrance to the US Air Force Reserve Base in Homestead, FL. “I’m meeting with Sergeant L_________” I tell the armed guard at the gate. He motions me to pull over to the side. I get in contact with the

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Why Does Life Insurance Make Me Want to Puke?

By Glenn J. Downing, CFP® Life Insurance Part III So why does it make you want to puke?  I’ve got a few theories to run by you: #1.  You put the life insurance agent/broker in the same category as a stereotypical car salesman.  He’s got greasy hair, you’re his newest best friend in the world,

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