What might you think of doing when? Provided by Peter Miralles, CFP®CIMA®CLU If you had a timeline of the financial steps you should probably take in life, what would it look like? Answers to that question will vary, but certain times of life do call for certain financial moves. Some should be made out of […]

Will You Avoid These Estate Planning Mistakes?

Too many wealthy households commit these common blunders. Provided by Peter Miralles, CFP®CIMA®CLU Many people plan their estates diligently, with input from legal, tax, and financial professionals. Others plan earnestly, but make mistakes that can potentially affect both the transfer and destiny of family wealth. Here are some common and not-so-common errors to avoid. Doing […]

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Why You Should Stay in Stocks in 2016

One bad trading day is not the year. Provided by Peter Miralles, CFP®CIMA®CLU The stock market has wavered recently. A lackluster year just ended, and this year has started inauspiciously. You may be wondering … should you really be invested in stocks right now? Yes, you should be. In moments like these, investors should not […]

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China’s Stock Market Turmoil

Can U.S. shares hold up in the wake of January’s shocks? Provided by Peter Miralles, CFP®CIMA®CLU On January 7, China halted stock trading for the second time in four days. The benchmark Shanghai Composite sank 7.0% on January 4 and dropped 7.3% three days later, both times activating a new circuit-breaker rule that stopped the […]

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Estate Planning After a Second Marriage

Special considerations for a complex situation. Provided by Peter Miralles, CFP®CIMA®CLU Marrying again makes estate planning more involved. How do you provide for everyone you love? Should you provide for everyone you love? How do you arrange to transfer wealth in a way that won’t hurt the feelings of certain heirs? If you have not […]

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Life Insurance with Long Term Care Riders

As conventional LTC policies grow costlier, alternatives have emerged. Provided by Peter Miralles, CFP®CIMA®CLU The price of long-term care insurance is really going up. If you are a baby boomer and you have kept your eye on it for a few years, chances are you have noticed much costlier premiums for LTC coverage today compared […]

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Saving Early & Letting Time Work For You

The earlier you start pursuing financial goals, the better your outcome may be. Provided by Peter Miralles, CFP®CIMA®CLU As a young investor, you have a powerful ally on your side: time. When you start saving and investing for retirement in your twenties or thirties, you can put it to work for you. The effect of […]

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Keeping All This Volatility in Perspective

These recent ups & downs are reminiscent of past Wall Street swings. Provided by Peter Miralles, CFP®CIMA®CLU Fall might be anything but calm on Wall Street. Volatility is back, in a big way: the CBOE VIX has risen more than 105% since the end of July. Additionally, 11 of the 15 trading days ending September […]

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Why Life Insurance Matters

Besides the death benefit, it may also help you financially during your life. Provided by Peter Miralles, CFP®CIMA®CLU As a recent Bankrate.com article noted, 43% of Americans have no life insurance. Some view it as optional; some have simply procrastinated when it comes to buying a policy. Others believe that they can’t afford it.1 In […]

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Can an IRA Be a College Savings Vehicle?

You might be surprised at its potential. Provided by Peter Miralles, CFP®CIMA®CLU An IRA is a retirement savings account, right? Indeed it is. IRA stands for Individual Retirement Arrangement. Even with that definition, however, there is no prohibition on using an IRA to save for other purposes, such as funding a college education. Why would […]

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