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At a Premium, But Not Necessarily Over-Priced

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Darcie Guerin explains the bond market and financial planning in her column Ask the CFP.

Upside Down or Right-Side Up?

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Darcie Guerin explains the inversion curve and financial planning in her column Ask the CFP/

Caveat Emptor

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Darcie Guerin explains the difference between a fiduaciary and non-fiduciary when it comes to financial planning in her column Ask the CFP/

Less Mess, Less Stress

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Darcie Guerin in her column Ask the CFP tells readers how long they should keep financial records and documents.

What’s Next?

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“Possibilities don’t add up, they multiply.” ~ Paul M. Romer, American Economist Question: I’m in my early sixties and considering retirement. During the 2008 recession I started a small business I hope to sell in the next few years. What suggestions do you have that may help me prepare for the sale? Answer: The 2018 Market Pulse Survey produced in […]

Luck is No Substitute for Knowledge

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“Confidence comes from discipline and training.” ~ Robert Kiyosaki, American Businessman and Author of “Rich Dad, Poor Dad” (1947 –  ). Question: Even though the market has gained back most of what it lost at the end of 2018 I’m still concerned and uncomfortable with volatility. What tips can you provide to help prepare for the next inevitable downturn? Answer: […]

Hedge Your Bets

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“Courage is the ladder on which all the other virtues mount.”  ~ Clare Boothe Luce, U.S. Congressman, Ambassador and Author (1903-1987) Question:  What is a “bond ladder”? Answer:  A bond ladder is a portfolio of bonds with maturity dates spread over months and years in regular intervals. In other words, it’s a technique used by bond investors to hedge their […]

Recession or Sustainable Recovery?

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“It’s a recession when your neighbor loses his job; it’s a depression when you lose your own.” ~ Harry S. Truman Question:  Do you think we’ll have a recession in 2019? Answer: Based on Harry S. Truman’s quote, the answer would be that it’s not very like that we’ll have a recession based on labor markets and employment rates. In […]

12 Suggestions for 2019

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“Endurance is not just the ability to bear a hard thing, but to turn it into glory.” ~ William Barclay, Scottish author and theologian (1907- 1978) Question: What recommendations do you have as we begin 2019? Answer: Focusing on the elements we are able to influence is a realistic way to approach 2019. The tumultuous nature of 2018 served as […]

Fighting Fear with Facts

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“It is a present because it is a gift, and it is precious because anyone who receives such a present is happy forever. The precious present is just that, the present.”                                     ~ Excerpt from “The Precious Present,”     by Spenser Johnson    […]


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