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Thoughts on Residential Real Estate Thumbnail

Thoughts on Residential Real Estate

I was talking with a client recently about a home he owns in a major US city (not Minneapolis). I was curious about what the historical price appreciation has been in his market, so I pulled some data on his market. The data on his city fascinated me. I then began wondering how other US cities’ real estate has performed over recent periods.

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Part 5: Risk Management Thumbnail

Part 5: Risk Management

The topic of risk management is oftentimes misunderstood and misused in the world of financial planning. Risk management, or insurance planning, simply addresses the following question: is there a potential catastrophic financial risk in your life? If the answer is yes, insure that risk. A catastrophic risk would be one that causes substantial, long-lasting financial harm to your financial plan.

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9.2 Million Open Jobs Thumbnail

9.2 Million Open Jobs

Via Sam Ro at Axios: pre-COVID, the US already had a record number of job openings, at over 7.5 million. Today, we are another 22% higher in job openings -- at 9.2 million. The upside of this labor market is the underlying reality that our economy is growing. Wages are going up (but so is inflation).

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Part 4: Tax Planning Thumbnail

Part 4: Tax Planning

Tax planning is one of the most misunderstood areas of financial planning. From the complexity of how income taxes, Social Security taxes, and various investment taxes are calculated, to the fact that the tax code changes in some capacity almost every year, it’s no wonder that people are confused when it comes to this subject.

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Part 3: Retirement Planning Thumbnail

Part 3: Retirement Planning

Retirement planning means different things to different people. We all have different ideas of what life should look like after closing the chapter of our careers. However, even with countless unique perspectives, there is one statement that has applied to every person I have ever worked with: “At some point I do not want to HAVE to work or HAVE to save money.”

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Part 2: Investment Planning Thumbnail

Part 2: Investment Planning

A few years ago, I watched my then 6-year-old skip gracefully out the front door, across our porch, and finally into our chicken coop. She glided through that door with a twirl—naturally—and emerged a few minutes later with her basket crowded with the freshest eggs imaginable. Her return trip began with the same leap into a skip, but a slight misstep on the porch forced her off-balance for barely a moment…. but it was enough for those precious eggs to spill from the basket onto the porch.

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How Should I Prepare for Rising Inflation? Thumbnail

How Should I Prepare for Rising Inflation?

We’re starting to hear the “I-word” mentioned more often as of late. Inflation is on the rise. The Federal government’s money printing machines have been on overdrive, and the US economy has taken note. Prices have begun to tick up across the economy – most notably in residential real estate. The counterpoint (as made by the Fed) is the inflation we are seeing today is merely temporary, a hangover from the COVID shutdowns.

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5 Practical Ways to Automate Your Finances Thumbnail

5 Practical Ways to Automate Your Finances

One of our primary goals as financial advisors is to help our clients put good financial behaviors into place in their lives. Some of the most commonly-used phrases about finance and investing are so generic as to be ignored or met with a yawn by most of us. So, how can we make them specific – to apply them to your own personal financial situation?

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Stocks vs. Bonds Thumbnail

Stocks vs. Bonds

U.S. Treasury bonds have not yielded this little interest since the 1940s. Based on the data, it’s fair to expect U.S. bonds to return something on the order of 2% per year over the next 10 years. You might then ask: why do we own bonds at all? The answer is because there is value in stability.

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