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The True Cost of DIY Investing: 3.52%

In all aspects of life, there are folks who believe that they can do things better and cheaper if they take the “Do-it-yourself” (DIY) approach.  Sometimes you can save money; however, the longer I live, the more I embrace specialization of labor.  Even if I can do certain tasks, hiring specialists usually means I have…

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12 Habits of Highly Effective Entrepreneurs

These lists pop up all the time. I love them. I think it’s because I want a silver bullet that leads to drastic change and progress. The truth is, we must do the “small” things for a long time to see results. Even then, it can be hard to identify which small things contributed to…

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Debt…Right or Wrong?

It’s neither! It’s not an issue of right or wrong; it’s a matter of risk. What is debt? Debt is borrowing money to buy something and paying it back over time with interest. This includes your home, car, vacations, appliances, education, or anything else. What do debt and risk have to do with each other?…

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Are you starting a business?

Thinking about starting a business? Here is a great article on things to consider when starting a business.  What are some other considerations when starting a business?

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Conventional wisdom of active management

It has been demonstrated over and over again that active mutual fund managers have had a very difficult time outperforming their respective benchmarks over reasonable time periods. In the U.S., for example, approximately 83% of all domestic funds underperformed their benchmark for the 10-year period ending 12/31/2015. This phenomenon is not just specific to the U.S.…

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Lifestyle Creep: The Ultimate Adversary To Building Wealth

The key to building wealth is really quite simple.  Live within your means, save and invest 10-20% of your earnings, and repeat that process for 30-40 years.  If you can do those few things, you WILL be wealthy.  Unfortunately, so many families struggle to accomplish this.  The biggest hurdle to building wealth is what I call…

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Women & The Boston Marathon

Men and Women operating under “conviction” are a powerful force! Often times, this is when barriers are busted and limits are pushed. This is clearly seen when you consider women’s involvement in the Boston Marathon. The Boston Marathon was run this past Monday. It is arguably the most iconic marathon in the world. It seems…

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Are your advisor’s fees too high?

Most people have no idea how much they are paying their financial advisor. In a way, we believe this is a problem. Many times, the fees you “see” are only those easily spotted above the surface. There could be other fees you aren’t seeing. It should come as no surprise that we believe financial advisors…

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An interesting way to determine if you are saving enough

Fidelity recently put out this rule of thumb for how much people should have in retirement for every age.  It’s an interesting and easy way to make sure you are on track. Fidelity Retirement Rule of Thumb

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