The 7 Habits of Highly Effective People by Stephen Covey has had a big impact on my life over the years. I am re-reading it now with a group of guys and loving it. The first habit is Be Proactive! Here is a quick comparison of proactive vs. reactive to clarify its meaning. PROACTIVE REACTIVE…

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Caring for others may come naturally to you. You may have cared for your children as they’ve grown up, or helped your parents as they’ve gotten older. We spend countless portions of our lives investing in those we love. But when it comes to hard conversations, sometimes that isn’t so easy. End of life planning…

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Starting in 2024, you can roll unused 529 assets, up to a lifetime limit of $35,000, into the beneficiary’s Roth IRA, without incurring the usual 10% penalty for nonqualified withdrawals or generating any taxable income. But that’s probably not a reason to overfund a 529…. The SECURE 2.0 Act included provisions that would make it…

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Last week, our very own, Melinda Setchell, got married! She will now go by the name Melinda Tyrrell and her new email is mtyrrell@verisail.com. Please congratulate her if you get the chance! Melinda’s recent wedding and name change got me thinking about the various documents that may need to be updated. Here are a few…

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On the way to my daughter’s softball lesson last night, we were talking about her long term goals as a player. We talked about all the seemingly little and often hidden tasks that add up to the end result we want. When we watch someone who is good at any sport, we are seeing the…

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Gratitude is a word we all hear in November. We are so grateful for family and friends and the ability to come together to celebrate the holidays. We are grateful for our health and jobs, our hobbies and relationships. The list is endless of what we are grateful for, but did you know that the…

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My dad has a wonderful saying that your “sphere of concern and your sphere of influence” should be the same size. When outside forces knock you off track or sideline you with fear, uncertainty or worry, it helps to control the controllable factors in your life. Worried about the market? A consistent dollar cost averaging…

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