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Happy New Year! How to ensure a powerful financial wellness checkup!
What would a financial wellness check uncover about you in a new year? Many people schedule their health and wellness checkups at the start of the new year. Did you know that January is Financial Wellness Month? Safe to say that we should also apply the thought process around physical health to your financial health…
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African American Financial Advisors Can Offer the Empathy You Need
I’ve been reflecting on the plight of African American wealth and wondering whether or not an African American financial advisor is part of the solution. Yes, I am an African American financial advisor, so I may be biased. I have, however, found that no matter the race of my client, by finding shared experiences I…
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What is Financial Planning?
Have you looked at a map at an outlet mall trying to find your way to a particular store? Some of the signs have a “you are here” sticker to help figure out where you’re at. No matter where you are in life — planning for retirement or planning your estate — you have goals…
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Know the Difference Between Income and Wealth
(Last updated August 10, 2023) When we think about what it means to be rich, we often think about both income and wealth. High-earners like doctors and lawyers might be considered rich. But so are people with a lot of money in the bank or a big house. But when it comes to financial planning,…
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Are You Spending Enough Money on Your Financial Goals?
Credit cards make spending money easy but without making us think much about how much we are spending. Then the bill comes and our payment is bigger than last month’s. As a CERTIFIED FINANCIAL PLANNER™ professional (CFP®), I often hear “Mr. Brewer, I don’t have any money to invest.” Are there funds that you just…
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Can Business Owners Cut 401k Plan Fees and Save on Taxes?
No small business owner I have talked to knows their 401k plan fees or their effective tax rate. One of the questions on the Envision Wealth Structural Assessment is “Do you know your effective federal income tax rate? I have yet to find anyone who actually knows this answer. Most people just take their receipts…
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How tax refunds can harm your retirement
Getting a tax refund is exciting — who doesn’t love extra cash? But that check from the government can actually be harmful to your financial health. In fact, a refund is often a sign that something is amiss in your financial plan. The fallacy of the benefit of a fat tax refund You may hope…
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Financial Planning: Slavery or Financial Freedom?
Retirement Vision: Financial Freedom or Halt Working? What comes to mind when you hear the word- retirement? For many, those images are not positive. It means past bad decisions and continuing to live in the slavery of a job that one hates, but pays the bills. For others it means not working. Not working doesn’t…
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Sudden Wealth Inheritance- Mo’ Money or Mo’ Problems
You may have been the beneficiary of a life insurance policy or been given a large inheritance. Are you ready? You may be thinking of making someone the beneficiary. Will they be ready to handle sudden wealth? Sudden Wealth- What’s the financial plan? In the parable of the talents, the owner gives servants money, expecting…
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