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Why You Want a Retirement Plan in Writing

Many people save and invest vaguely for the future. They know they need to accumulate money for retirement, but when it comes to how much they will need or how they will do it, they are not quite sure. They will “wing it,” hope for the best, and see how it goes. How do they...
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How Much Do You Really Know About Long-Term Care?

How much does eldercare cost, and how do you arrange it when it is needed? The average person might have difficulty answering those two questions, for the answers are not widely known. For clarification, here are some facts to dispel some myths.   True or false: Medicare will pay for your mom or dad’s nursing...
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Getting (Mentally) Ready to Retire

A successful retirement is not merely measured in financial terms. Even those who retire with small fortunes can face boredom or depression and the fear of drawing down their savings too fast.   Financial Challenges of Retirement   Practically all retirees have some financial anxiety. It relates to the fact of no longer earning a...
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The Importance of Financial Literacy

 There is a reason why we focus on educating our clients at Smart Financial. We want to ensure our clients understand retirement tools and how they can affect retirement. If only money came with instructions! If it did, the route toward financial security would be clear and direct. Unfortunately, many have inadequate financial knowledge, and...
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Year-End Charitable Gifting

 Are you making charitable donations this holiday season? If so, you should know about some of the financial “fine print” involved, as the right moves could potentially bring more of a benefit to the charity and to you.   To deduct charitable donations, you must itemize them on I.R.S. Schedule A. So, you need to...
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Health Care Costs Are Cutting into Retirement Preparations

You may have seen this statistic before or one resembling it: the average 65-year-old retiring couple can now expect to pay more than $250,000 in health care expenses during the rest of their lives.   In fact, Fidelity Investments now projects this cost at $275,000, up 70% from its initial estimate in 2002. The effort...
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