financial planning for your 50s

Financial Planning for Your 50s  

In your 20s, 30s and maybe even your 40s, retirement can feel like a distant reality. In your 50s, the horizon is beginning to inch closer. As such, it can be one of the most important decades for financial planning and developing a retirement savings plan. If you find you aren’t quite where you want […]

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How to Diversify Your Retirement Account

How to Diversify Your Retirement Account  

Investing all your retirement funds in one type of asset can be risky. If something happens to that asset class, your investment portfolio could be in jeopardy. Fortunately, you can mitigate the risk by spreading your funds to multiple types of assets. This is known as diversification.  Diversifying your investment portfolio can help decrease your […]

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Tax-Deferred vs. Tax-Exempt Retirement Accounts

Tax-Deferred vs. Tax-Exempt Retirement Accounts

Tax planning is a significant factor in choosing which type of retirement account best fits your financial goals. Tax-deferred and tax-exempt accounts may help you minimize your tax responsibility. While these retirement accounts handle taxes differently, both can help you retain more wealth over your lifetime.  The advantages of tax-deferred and tax-exempt retirement accounts come […]

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financing real estate with a self-directed ira

How To Finance Real Estate Through a Self-Directed IRA

Investing your retirement funds in real estate is a great way to diversify your portfolio for retirement. Sadly, not all investors have enough funds to purchase a real estate property outright in their retirement accounts. This does not mean you still can’t buy real estate through your retirement account. What is a non-recourse loan? While it […]

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how do interest rates affect cryptocurrency

How Do Interest Rates Affect Cryptocurrency Investments?  

Cryptocurrency is a relatively new, exciting investment opportunity. In recent years, the value of cryptocurrency has grown significantly. Cryptocurrency is a virtual or digital token that uses cryptography to control the creation of units and secure their transactions. Cryptocurrencies can be used to purchase a wide range of goods and services. Cryptocurrency is — currently […]

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Financial planning for your 40s

Financial Planning for Your 40s  

For many Americans, your 40s are your peak earning years. At this point, you are halfway between the point in your life when you entered the workforce and when you’ll reach the traditional retirement age. This is why this decade is an essential time to stay on track or get on track with saving for […]

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financial planning for your 30s

Financial Planning for Your 30s  

Your 20s can be a tough time financially. Many 20-somethings are graduating from college, entering the workforce for the first time and figuring out how to navigate the financial responsibilities of adult life. When it comes to building toward and meeting your financial goals, your 30s is a great time to get started. If you […]

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How Do Interest Rates Affect Real Estate?

How Do Interest Rates Affect Real Estate?

Commercial real estate rates are affected by changes in demand, inflation, the state of the market and overall economic costs.  In 2020, all interest rates — the U.S. Federal Reserve prediction for overnight lending rates by banks and credit unions — hit an all-time low. Rates have only recently begun to rise with the Federal […]

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How Do High Interest Rates Affect Gold?

How Do High Interest Rates Affect Gold?  

Interest rates measure how much a lender will receive after money is borrowed. Rates are often tied to inflation, which is when the power of every U.S. dollar lent out decreases quickly or over a period of time. Several factors can affect interest rates, such as: Supply and demand of money in the economy. International […]

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Actionable Ways to Protect Your Retirement From a Recession

Actionable Ways to Protect Your Retirement From a Recession

Economic downturns and inflation could impact your life savings and retirement nest egg. Recessions are a regular part of economic cycles, so one will inevitably occur at some point. However, no one can accurately predict when a downturn will occur or whether it will be mild or severe. Though it’s impossible to precisely forecast recessions, […]

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