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The Real Election Winners
(Main Content/blog)
... a long-term plan to meet your goals and objectives without taking on an in appropriate level of risk. My advice to clients: Don't make knee-jerk investing reactions based on elections—or on headlines ...
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Choosing the Right Advisor
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... don't want to be their first. What is your advisor-to-client ratio? If the advisor serves more than 100 clients, he or she may be stretched too thin to properly take care of you. How much experience ...
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High-Yield Bonds: Attractive But Increasingly Dangerous
(Main Content/blog)
... through an environment of interest-rate increases and credit tightening. This is exactly the kind of environment that requires professional advice. I'm helping my clients by evaluating high-yield debt ...
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An Auto-Industry Legend’s Lesson for Investors
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... earn a set fee based on the amount of assets they manage for a client. And they are legally bound to put their clients' interests ahead of their own. Brokers are held to a weaker standard of client care, ...
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Annuities or an Income Portfolio?
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Many retirement-age clients have asked me for my view of annuities as a vehicle for converting their savings into a lifetime income stream. My view is that, while specific annuities may be part of the ...
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Time to Lock in Gains?
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... investors should rebalance at least once a year; it's usually not necessary to do it more than twice. I recommend rebalancing when clients' stocks or bonds are 5% above or below their target level. If ...
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Beware of Retirement Benefit Pitfalls
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... is to work with an experienced investment advisor. At Copeland Wealth Management, we coordinate with clients' attorneys, accountants and account custodians to prevent any unwelcome surprises involving ...
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Taking Advantage of the “January Bounce”
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... with clients to identify the real values, so that clients can buy them within the window of opportunity. If you’d like to discuss this kind of opportunistic buying please get in touch with me soon. ...
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A Simple Way to Earn More From Your Investments
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... investments to offset the taxes that you'll owe on your successful investments. I recommend that all of my clients have their portfolio reviewed in November or December to find opportunities to harvest ...
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How to Save Your Family 101
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... one of the best pieces of advice I can give my clients is this: Take care of your estate planning right now—while your mind is still sharp. It's natural to assume that we'll be of sound mind throughout ...
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Insured Municipal Bonds Starting to Look Attractive
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... Compare that with a 10-year Treasury, which is yielding about 3%. In fact, good yield is so scarce these days that insured munis may make sense even for low- or moderate-tax clients. There are caveats ...
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Avoiding the Rising-Rate Wrecking Ball
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... mortgage-backed securities have been a good fit for several of our clients. These bonds are usually backed by loans issued to good-credit borrowers—mostly in California, Florida, and New York—that for ...
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Think Twice About Direct Real Estate Investing
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Many of my clients are interested in investing in rental real estate. They see it as a reliable source of retirement income and believe it may be a good alternative to historically low CD and annuity rates, ...
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When Your Advisor Can’t Protect You
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You know what an investment advisor’s job is: To try to make you money while also protecting you against losses. What many clients don’t know, however, is that there are times when certain kinds of advisors ...
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Who’s Afraid of the Sequester?
(Main Content/blog)
... moment and remember the larger picture. I’ll be reminding my clients that successful investing is about thoughtful diversification, rebalancing and patience. It’s about remaining disciplined and rational. ...
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Don’t Fixate on the Fiscal Cliff
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... typically just stick with your plan. The Fiscal Cliff hasn't caused me to make any major sales of heavily appreciated securities in the accounts I manage for my clients. I'm more interested in whether ...
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Are You Leaving Money on the Table?
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Any financial advisor worth their salt will sit down with clients toward the end of each year and have an in-depth conversation about the investments in their portfolio. Some clients love these sit-downs ...
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Use Generosity to Fight Inheritance Taxes
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Many of my clients are privileged to have net worths of between $1 million and $3 million. And they’re fortunate as well in that they don’t meet the $5 million threshold for federal estate taxes. But ...
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Stocks That Pay
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... adviser is selecting these stocks for my clients’ investment portfolios. I’m a longstanding fan of dividend-paying stocks because they fit the needs of so many of my clients so well. Stocks that ...
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Don't Fear the IRA Rollover
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... night. But recent conversations I’ve had with clients have reminded me of another topic that can turn smart and confident people into indecisive worrywarts. The topic is IRA rollovers. IRA rollovers ...