The Consulate Journal: Our Financial Blog

The Consulate Journal is our written blog, dedicated to educating our audience on a wide range of topics.  Sometimes we’ll be sharing our financial planning philosophies, and other times sharing our views of money and its place in our lives.  Most often, we’ll be sharing specific and actionable financial planning strategies that we use with our clients. 

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Zero-Cost Commission Trading and the Power of Independence

October 30, 2019

This article is not designed to address the reasons behind zero-commission stocks trading, but instead to make the case for an advisor being independent from brokerage firms, insurance companies, and banks. Recent news banners have heralded zero-cost stock trading from…

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The New World of Charitable Giving

September 6, 2019

There are many cool ways to get the greatest bang for your charitable giving buck, and this article will explore two techniques that are simple, relatively new, and effective. First is the Qualified Charitable Distribution (QCD) from an IRA. Unfortunately,…

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Investor Poison

September 4, 2019

If you are an investor and you want to make good investments, make sure you know how to deal with Investor Poison. Investor Poison is the media that throws story after story at you to elicit a response from you. Why would they do that?…

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Equifax Data Breach Settlement – What do you need to do?

July 30, 2019

Equifax Data Breach Settlement What do you need to do?             147 million American’s data was stolen from Equifax in 2017.  The data maintained by a credit bureau is immense and put all people affected by this breach at serious…

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What to Do With an Existing 401(k) Balance

June 26, 2019

On a weekly basis, we answer many personal finance questions, either for our clients or for radio listeners. The most common question asked is what to do with an existing 401(k) balance that was accrued when working for a former…

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The 5-Year Roth IRA Rule

June 11, 2019

Most people know that Roth individual retirement accounts (IRAs) have a “5-year rule,” that is, you must have owned your Roth IRA for at least 5 years and be over the age of 59.5 years to withdraw earnings tax-free during…

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A Voters Must Read to Tax History

May 29, 2019

There is an old saying that is worth remembering when it comes to income taxes: “Those who cannot learn from history are doomed to repeat it.” As increasingly more politicians demand that the rich pay their “fair share,” it would…

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