With 25+ years of helping people with their money, I often am asked for suggestions in planning for a financial future. These are some basics: 

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It’s the holiday season, and the time of year when many get themselves into trouble by spending excessively through the use of credit cards; only to have problems paying off those cards or even making the required payments in the coming year.

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Are you holding one or more 401(k) plan accounts from former employers? You have several options: 

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Time is money—literally.  For a recent graduate, time might also seem like an abundant resource, with many thinking they have plenty of time to save for their future – later. 

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As the saying goes, the only two certainties in life are death and taxes.  Unfortunately, both are inevitable and unavoidable. If you plan properly, however, you may lessen the hardship on those you leave behind.   Since none of us know when our time will arrive--whether you are 35, 55, or 95 it is important you leave instructions. 

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You’re getting close to 62, and wondering whether or not you should apply for your Social Security benefits. If you are eligible for benefits, you may begin receiving payments as early as age 62 – but is that a wise decision? At age 62, you would receive only 75% of your benefit amount – a reduction that continues for the remainder of your life.

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