Posts tagged Local Town Pages
Hoping “New Year, New You” Makes Financial Goals Come True?
Hoping “New Year, New You” Makes Financial Goals Come True?

Per Apple’s new ad campaign: Most people quit their New Year's resolutions by the second Friday in January. Well, how are you doing?

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Budgeting, Debt Management, Estate Planning, Investing, Retirement, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownBudget, Best Practice, CFP, family, Goals, Health, Investing, Kids, Local Town Pages, New Year, New Legislation, Net Worth, Joy, Purge, Portfolios, Savings, Tax Planning, Total Return, tax efficiency, Giving, Investment Management, Experience Spending, Tax Deadlines, taxes, Savings Prioritization, Your Money Your Independence
Use November to Finalize Year-End Success and Plan for 2025
Use November to Finalize Year-End Success and Plan for 2025

Wait until December, you risk falling into the apathy and distractions common from Thanksgiving to the New Year. Do you want that for your finances?

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Budgeting, Debt Management, Investing, Retirement, Retirement Planning, Tax Planning, Work Benefits, Your $ Your IndependenceGlenn BrownRMD, Goals, taxes, tax efficiency, Tax Cuts and Jobs Act of 2017, Tax Planning, Secure Act 2.0, Retirement, Semi-Retirement, HSA, Year-End, New Year, FSA, Planning for Unexpected, Financial Planning, Roth 401(k), Roth Conversion, Roth IRA, 529 Plan, Gifting, Budget, Best Practice, Focus on your why, family, Giving, Health Plans, HDHP, IRAs, Work Benefits, Local Town Pages, Open Enrollment, Portfolios, Required Minimum Distributions, Raising Kids, Solo K, tax planning, Investment Management, Investing, Tax-Loss Harvesting, Your Money Your Independence
Thanks, Dad - For Showing How to Lead, Then Trusting to Follow.
Thanks, Dad - For Showing How to Lead, Then Trusting to Follow.

As Father's Day approaches, it's time to pause and express gratitude for these silent architects of our lives.

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PlanDynamic, Your $ Your Independence, Estate Planning, Retirement Planning, Tax Planning, Retirement, Investing, InsuranceGlenn BrownAging Parents, Best Practice, CFP, Children, death, Estate Planning, Focus on your why, family, Financial Planning, Goals, Health, Health Care, Health Insurance, Kids, Home Ownership, Long-Term Care, Local Town Pages, Dad, Portfolios, Multi-Generational Planning, Investment Management, Investing, Savings Prioritization, Savings, Experience Spending, Tax Planning, taxes, Your Money Your Independence
Empower New Graduates with Gifts of Independence
Empower New Graduates with Gifts of Independence

While cash or gift cards are always appreciated, consider something with lasting value that can help launch college and high school graduates towards financial independence.

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Budgeting, Debt Management, Investing, Retirement Planning, Your $ Your IndependenceGlenn BrownAutomatic Payments, Best Practice, Budget, Subscriptions, Debt Management, Bond Portfolios, Bonds, CDs, Children, College, Cash, career, Cash Flows, Dividend Growth, Dividends, Earnings, ETF, Focus on your why, Financial Planning, family, Fee-Only Fiduciary, Financial Independence, Goals, Giving, grandchildren, Graduates, Grads, IRAs, IRA Contributions, Income Streams, Investing, Index, Joy, Kids, Local Town Pages, Student Loans, Gifting, Markets, Roth IRA, Portfolios, Rent, Raising Kids, Student Debt, Savings, Spending, High School Students, College Students, Tuition, Teenager, Technology, Traditional IRA, Multi-Generational Planning, diversification, Experience Spending, Your Money Your Independence, Your Money
At or Near Retirement? Time to Say Bucket!
At or Near Retirement? Time to Say Bucket!

Retirees view risks differently, but the greatest risk is behavioral. Let’s discuss a sustainable and tax-efficient approach to retirement distribution strategies.

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Your $ Your Independence, Work Benefits, Retirement Planning, Tax Planning, Retirement, Investing, Debt Management, BudgetingGlenn BrownBudget, Work Benefits, Best Practice, CDs, CFP, Dividends, Dividend Growth, Debt Management, Entitlements, family, Focus on your why, Financial Planning, Goals, Healthcare, Health, HELOC, IRAs, IRS, Income Streams, Investing, Inflation, Investment Management, IRA Withdrawals, Joy, 401(k), Solo K, Local Town Pages, Life Insurance, Medicare, Markets, Net Worth, Roth IRA, Portfolios, Pro-rata rule, Access to Equity, Required Minimum Distributions, Home Equity Line of Credit, Refinancing, Real Estate, Rebalancing, Savings, Traditional IRA, Total Return, Tax Planning, diversification, Savings Prioritization, distribution phase, distribution strategies, tax efficiency, taxes, Experience Spending, Tax-Loss Harvesting, Taxes, Index, Your Money Your Independence, Yields, Asset Allocation
Financial Aid Changes To Impact This Fall’s College Applications.
Financial Aid Changes To Impact This Fall’s College Applications.

Congress has created the “FAFSA Simplification Act”, which makes the upcoming 2024-2025 college admissions process a complicated mess. 

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College Planning, Retirement Planning, Your $ Your Independence, Tax PlanningGlenn BrownFAFSA, Expected Family Contribution, EFC, College Planning, College, 529 Plan, Congress, Financial Planning, Your Money Your Independence, Financial Aid, Refinancing, Early Decision, Early Action, CSS Profile, ROI, Admissions, Best Practice, Children, family, Local Town Pages, Student Debt, Student Loans, High School Students
Enjoy Every Sandwicher Moment.
Enjoy Every Sandwicher Moment.

July is National Sandwich Generation Month, celebrating approximately 15% of Americans between ages 40-60 sandwiched between caring for their young children and aging parents at the same time.

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Estate Planning, Debt Management, Retirement Planning, Tax Planning, Your $ Your Independence, BudgetingGlenn BrownSandwichers, Caring for aging parents, Aging Parents, Local Town Pages, Raising Kids, Kids, Elder Care Law, Health Care, Estate Planning, Estate Tax, MA Laws, Health Insurance, Best Practice, Children, family, Focus on your why, Financial Planning, grandchildren, Goals, Long-Term Care, Planning for Unexpected, Multi-Generational Planning, Minors, n, Your Money Your Independence, Tax Planning
Dividend Investing - Navigating Hype and Pitfalls To Get Results.
Dividend Investing - Navigating Hype and Pitfalls To Get Results.

Last month, Intel added another chapter to the fallacy of “I don’t care about the stock price, as long as I get my dividend”. Here, I discuss key factors and best practices for dividend investing.


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Economics 101, Investing, Retirement, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownRebalancing, RMD, Dividends, Dividend Growth, Yield On Cost, Yield Curve, Bonds, dividend aristocrats, Total Return, diversification, high yield stocks, Best Practice, Cash Flows, Local Town Pages, Goals, Capital Gains, Income Streams
New Year, New You… Not True?
New Year, New You… Not True?

Resolutions to improve your financial situation similar to one’s made last year? Here’s how and why to consider actions and timeframes, instead of focusing on desired outcomes.


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Budgeting, Debt Management, Investing, Retirement, Retirement Planning, Tax Planning, Work BenefitsGlenn BrownBudget, Best Practice, Debt Management, Rebalancing, Employee Benefits, Economy, Financial Planning, Focus on your why, family, Semi-Retirement, Retirement, Roth IRA, Student Debt, Goals, Joy, Resolutions, 401(k), Work Benefits, Markets, Local Town Pages, Investing, Portfolios, Priorities, Spending, Savings, Tax Planning, Traditional IRA, Total Return, Your Money Your Independence, Your Money, Year-End, New Year
Perfection is the Enemy of Good, Focus on Executing Improvements.
Perfection is the Enemy of Good, Focus on Executing Improvements.

While 2022 has been a challenging investment environment, it has been a fantastic year to see the benefits of executing financial plans over the past few years. 

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Investing, Retirement, Retirement Planning, Tax Planning, Work Benefits, Your $ Your Independence, Small BusinessGlenn BrownAsset Allocation, Best Practice, Rebalancing, Debt Management, Cash Flows, Capital Gains, Contribution Limits, Employee Benefits, Economy, Entitlements, IRA Contributions, Investing, 401(k), Work Benefits, Local Town Pages, Inflation, Open Enrollment, Pro-rata rule, Priorities, Portfolios, Required Minimum Distributions, Savings, Tax Planning, Traditional IRA, 403(b), 457, Spending, tax planning, Investment Management, Wash Sale, Tax-Loss Harvesting, Tax Deadlines, taxes, Roth IRA, Roth Conversion, Taxes, Your Money Your Independence, Year-End
When Markets Give You Lemons, Make Roth Conversion
When Markets Give You Lemons, Make Roth Conversion

A year-end strategy to consider for turning lemons into lemonade is Roth Conversion.

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Investing, Retirement, Retirement Planning, Your $ Your IndependenceGlenn BrownRoth Conversion, Roth IRA, taxes, Tax Planning, tax planning, IRAs, IRA Withdrawals, Traditional IRA, Required Minimum Distributions, Economy, Financial Planning, Investing, Investment Management, Markets, Local Town Pages, RMD, Tax Deadlines, Taxes, Your Money Your Independence, Recharacterization
Eye Opening Costs At Open Enrollment?
Eye Opening Costs At Open Enrollment?

Over past year, health insurance prices have increased 3X to US inflation. It’s time to fully understand HDHP, HSA and how to do your cost/benefit analysis.


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Insurance, Budgeting, Investing, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownBest Practice, Work Benefits, Health Insurance, Health Plans, Health Savings Accounts, HSA, Inflation, Investing, HDHP, PPO, taxes, Tax Planning, Taxes, tax planning, Employee Benefits, FSA Dependent Care, Financial Independence, FSA, Financial Planning, Goals, Healthcare, 401(k), Life Insurance, Local Town Pages, Open Enrollment, Priorities, Your Money, Your Money Your Independence, Savings, Year-End
Never ask, “Where do you want to go to college?”
Never ask, “Where do you want to go to college?”

Take control, don’t be another victim to make your teen happy… spending won’t make them happy.

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College Planning, Budgeting, Debt Management, Investing, Your $ Your IndependenceGlenn BrownBudget, Best Practice, Debt Management, College, children, Cash, Children, Tuition, ROI, Refinancing, College Planning, Financial Planning, Financial Aid, FAFSA, EFC, Focus on your why, Financial Independence, Grants, Giving, Goals, Gifting, High School Students, Inflation, Raising Kids, Kids, Local Town Pages, Net Price Calculators, NPC, Investment Management, Investing, Priorities, Student Debt, Savings, Student Loans, Spending, Sandwichers, Social Media, Tax Planning, Teenager, Total Return, Your Money Your Independence, taxes, Expected Family Contribution
Overdue Change Coming To MA Estate Tax Laws.
Overdue Change Coming To MA Estate Tax Laws.

Or Not!

MA House Speaker Ronald Mariano explains how MA legislature failed to pass an economic development plan which included changing outdated estate tax laws that just days before had the support of both the Democratic Senate and House, in addition support from Republican Governor Charlie Baker.

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Estate Planning, Philanthropy, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownAging Parents, Sandwichers, Best Practice, Beneficiaries, Probate, children, Cash, Local Town Pages, Caring for aging parents, Financial Independence, Financial Planning, MA Laws, Estate Planning, Estate Tax, Death Tax, death, family, grandchildren, Gifting, Inflation, Investing, Joint Property, Multi-Generational Planning, inheritance, House, Priorities, Tax Planning, Your Money Your Independence, Will, Trusts, Trustee, taxes, Taxes, tax planning
Enjoy Every Sandwicher Moment.
Enjoy Every Sandwicher Moment.

This month celebrates those caring for their young children and aging parents simultaneously - Sandwichers.

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Estate Planning, Investing, Retirement Planning, Tax Planning, Your $ Your Independence, Budgeting, College PlanningGlenn BrownAging Parents, attorney, Elder Care Law, Tax Planning, Capital Gains, Best Practice, Beneficiaries, Budget, Debt Management, Probate, College, children, Cash Flows, Caring for aging parents, Local Town Pages, Daycare, Medicare, Dependent Care, Long-Term Care, Health Care, Medical Expenses, Death Tax, Guardianship, guardians, Estate Planning, Estate Tax, Entitlements, family, Focus on your why, Financial Planning, grandchildren, Goals, Giving, Gifting, Savings, Teenager, Health, Health Insurance, Home Ownership, Inflation, Investing, inheritance, Raising Kids, Kids, Markets, Will, Life Insurance, College Planning, Multi-Generational Planning, Mortgage, Minors, Income Streams, Investment Management, Joy, House, Portfolios, Social Security, Priorities, Spending, tax planning, Trusts, Total Return, Trustee, taxes, Your Money Your Independence, Education
April Brings Spring, Baseball and Taxe… Squirrel!
April Brings Spring, Baseball and Taxe… Squirrel!

If your wealth is tax-deferred retirement accounts, your taxes in retirement will be more than you realize.

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Budgeting, Investing, Retirement, Retirement Planning, Tax Planning, Work Benefits, Your $ Your IndependenceGlenn BrownBest Practice, Employee Benefits, Financial Planning, Goals, 401(k), Roth IRA, Roth Conversion, IRA Contributions, Traditional IRA, IRAs, RMD, 403(b), taxes, Tax Planning, Tax-Loss Harvesting, Retirement, Required Minimum Distributions, Investing, Taxes, Tax Deadlines, Social Security, Income Streams, Markets, Work Benefits, Local Town Pages, Savings, Your Money Your Independence
Book Travel Now - Time for Experience Spending
Book Travel Now - Time for Experience Spending

My PSA for those adhering to a financial plan: Book your travel now.

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Budgeting, Your $ Your IndependenceGlenn BrownSandwichers, Budget, Best Practice, Debt Management, Financial Independence, family, Focus on your why, Financial Planning, children, grandchildren, Kids, Raising Kids, Cash Flows, College Planning, Goals, Joy, Local Town Pages, Priorities, Savings, Spending, Experience Spending, Economy, Teenager, Your Money Your Independence
Resolutions Gone Bad: Rein In Your New Year.
Resolutions Gone Bad: Rein In Your New Year.

How to make financial resolutions that lead to successful planning outcomes.

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Debt Management, College Planning, Investing, Retirement Planning, Tax Planning, Your $ Your Independence, Retirement, BudgetingGlenn BrownAsset Allocation, Sandwichers, taxes, Budget, Best Practice, Rebalancing, Debt Management, children, Children, Cash, Cash Flows, Dividend Growth, family, Focus on your why, Financial Planning, Fee-Only Fiduciary, Financial Independence, Goals, IRA Contributions, Income Streams, Investing, Investment Management, Joy, Kids, Markets, 401(k), Work Benefits, Local Town Pages, Priorities, Portfolios, Pension, Savings, Spending, Tax Planning, Total Return, tax planning, Your Money Your Independence, HELOC, Mortgage, Home Equity Line of Credit, Retirement, Resolutions, Experience Spending, Taxes, Year-End, Your Money
Inflation: Increase assets, borrow, and lock in debits.
Inflation: Increase assets, borrow, and lock in debits.

Action items based upon the old adage “Inflation rewards debtors and hurts creditors”.

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Budgeting, Debt Management, Economics 101, Investing, Retirement, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownAsset Allocation, Bond Portfolios, Rebalancing, Bonds, Best Practice, Debt Management, Dividend Growth, Dividends, Economy, ETF, Financial Planning, Fed, HELOC, Interest Rates, Income Streams, Inflation, Investment Management, Investing, Markets, high yield stocks, Local Town Pages, Mortgage, House, ROI, Portfolios, Priorities, Home Equity Line of Credit, Refinancing, Retirement, Savings, Tax Planning, Total Return, Your Money, Your Money Your Independence, taxes, Tax Deadlines, Taxes, Tax-Loss Harvesting, Year-End, Yields, Entitlements, Social Security, Cash, CDs, TIPs, Treasury Inflation Protection Securities, REITs, Rent, Home Ownership
Tax Loss Harvesting: Give Thanks And Slice Your Pie
Tax Loss Harvesting: Give Thanks And Slice Your Pie

Losing investments can offset realized profits as well as up to $3,000 in non-investment income each year.

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Investing, Retirement, Tax Planning, Your $ Your IndependenceGlenn BrownAsset Allocation, Bonds, Bond Portfolios, Best Practice, Rebalancing, Capital Gains, Investing, Investment Management, Local Town Pages, Markets, Interest Rates, Portfolios, Savings, Tax Planning, Your Money, Your Money Your Independence, Dividends, Wash Sale, taxes, Tax Deadlines, Tax-Loss Harvesting, Taxes, Year-End