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Life on Main Street: Our Blog

Be Wise, Immunize! Protect Your Bond Portfolio During Rising Interest Rates

Posted on October 1, 2015

The Federal Reserve’s recent decision to leave its benchmark interest rate unchanged is a stark reminder that predicting interest rate movements is notoriously difficult — much like predicting stock market returns. Indeed, before 2008, who could have predicted that the U.S. overnight rate would be near zero for such a long time? Who correctly predicted […]

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The Key to Successful Retirement Planning? Save, Save, Save

Posted on July 16, 2015

When people find out I work for an investment advisor, they usually launch into a personal anecdote about how they made a killing on a hot technology stock back in the day, or they vaguely gloss over the current state of their portfolio. Then they lean closer and ask, under their breath, “Will I be […]

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Your Business, Your 401(k) and the ‘F-Word’

Posted on February 14, 2015

Since the 1980s, the 401(k) has become synonymous with worker retirement savings. Indeed, the 401(k) marketplace has become a massive one, with the savings vehicle representing nearly a fifth of Americans’ total savings for old age. Unfortunately, according to the Government Accountability Office (GAO), in 2012 only 14% of small businesses (defined as fewer than […]

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Does Debt Mean Dependence? Impressions from Puerto Rico

Posted on January 6, 2015

As a “comprehensive” wealth manager, I regularly have the opportunity to review and analyze clients’ debts (at all income levels). Polonius in Hamlet advised his son that he should “neither a lender nor a debtor be”, however I would offer that he was only half correct. In a prudent asset allocation model, in fact, it […]

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Three Year-End Moves that Might Save Your Small Business Money

Posted on December 10, 2014

With most of my clients being small business owners and as the owner of a small business myself, I understand firsthand the desire to constantly be looking to either maximize cash flow or the net worth of our businesses. Since 2015 is almost upon us (seriously where did 2014 go???) that means that the tax […]

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