Saving is a great start, but planning to reach your financial goals is even better. Provided by Peter Miralles, CFP®CIMA®CLU Are you saving for retirement? Great. Are you planning for retirement? That is even better. Planning for your retirement and other long-range financial goals is an essential step – one that could make achieving those […]

You Retire, But Your Spouse Still Works

That development may mean lifestyle as well as financial adjustments. Provided by Peter Miralles, CFP®CIMA®CLU Your significant other may retire later than you do. Sometimes that reality reflects an age difference, other times one person wants to keep working for income or health coverage reasons. If you retire years before your spouse or partner does, […]

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Should You Downsize for Retirement

Some retirees save a great deal of money by doing so; others do not. Provided by Peter Miralles, CFP®CIMA®CLU You want to retire, and you own a large home that is nearly or fully paid off. The kids are gone, but the upkeep costs haven’t fallen. Should you retire and keep your home? Or sell […]

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Money Concerns for Those Remarrying

What financial factors deserve attention? Provided by Peter Miralles, CFP®CIMA®CLU Some of us will marry again in retirement. How many of us will thoroughly understand the financial implications that may come with tying the knot later in life? Many baby boomers and seniors will consider financial factors as they enter into marriage, but that consideration […]

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Financial Planning with Health Insurance in Mind

How much might health care cost you someday? Provided by Peter Miralles, CFP®CIMA®CLU “Financially speaking, what would be the worst thing that could happen to you?” If you ask a hundred people in their forties that question, you may get a dozen different answers. Some may say “my business going under” or “losing my house.” […]

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Could Social Security Really Go Away

Just how gloomy does its future look? Provided by Peter Miralles, CFP®CIMA®CLU Will Social Security run out of money in the 2030s? For years, Americans have been warned about that possibility. Those warnings, however, assume that no action will be taken to address Social Security’s financial challenges. Social Security is being strained by a giant […]

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Wisdom from Warren Buffett

One of the world’s most heralded investors simply keeps calm and carries on. Provided by Peter Miralles, CFP®CIMA®CLU If you ask someone who the “world’s greatest investor” is, the answer more often than not may be “Warren Buffett.” That honor has never formally been awarded to him, and many other names might be in the […]

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Smart Financial Moves in Your 20s, 30s, 40s & 50s

What might you think of doing when? Provided by Peter Miralles, CFP®CIMA®CLU If you had a timeline of the financial steps you should probably take in life, what would it look like? Answers to that question will vary, but certain times of life do call for certain financial moves. Some should be made out of […]

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Will You Avoid These Estate Planning Mistakes?

Too many wealthy households commit these common blunders. Provided by Peter Miralles, CFP®CIMA®CLU Many people plan their estates diligently, with input from legal, tax, and financial professionals. Others plan earnestly, but make mistakes that can potentially affect both the transfer and destiny of family wealth. Here are some common and not-so-common errors to avoid. Doing […]

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Why You Should Stay in Stocks in 2016

One bad trading day is not the year. Provided by Peter Miralles, CFP®CIMA®CLU The stock market has wavered recently. A lackluster year just ended, and this year has started inauspiciously. You may be wondering … should you really be invested in stocks right now? Yes, you should be. In moments like these, investors should not […]

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