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January 19, 2021

Tips for Organizing Your Financial Documents

In an increasingly paper-free society, organizing your financial documents can still be a challenge. No matter how simple or complex your financial picture might be, it takes some thought-out organization to keep your tax documents, service records, and paid bills in a format that will allow you to easily access information when you need it. What steps can you take now to organize your financial ...

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January 11, 2021

The Importance of Financial Wellness

Financial wellness, like physical wellness, isn’t something you should ignore. Instead, it's a critical concept for anyone who wants to be knowledgeable and confident about their finances, and in fact, financial wellness is so important that more than half1 of employers now offer financial wellness programs to their workers. So, what is financial wellness and why is it so important? ...

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December 31, 2020

New Year’s Resolutions to Get Your Finances in Order

New Year's is traditionally the time to review your life and make resolutions for change. In addition to thinking about working out, eating healthy, and meeting personal and professional goals, you should also think about your finances. To make the most of the New Year, keep the following tips in mind. Outline New Goals To ensure you're moving in the ...

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December 21, 2020

Getting a Jump on January Tax Season

From pandemic-related stimulus payments to job losses and furloughs, for many taxpayers, next spring's tax season may be more complex than usual. With the end of 2020 rapidly approaching, you should take some time to review your tax situation and make any necessary changes that can help you avoid surprises on April 15, 2021. Below are some steps you can ...

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December 16, 2020

Creating a Business Plan for Small Businesses

Your business plan is an important part of creating a business and a critical tool for drawing in lenders and investors. If you're thinking about launching a small business or if you want to take your small business in a new direction, a business plan is essential. As you develop your plan, you may want to keep these points in ...

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December 9, 2020

End of Year (EOY) Deadlines Checklist

2020 has been one of the most unprecedented years in recent history, but some things—like tax contributions and retirement deadlines—don't change much, if at all. And with the uncertainty surrounding just about everything, meeting these deadlines and getting tax efficiencies in place now may help the rest of the year run more smoothly. Read on for several things you'll want ...

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December 4, 2020

Smart Shopping During the Holidays

The holiday season is just a short time away, which means the shopping season is about to be in full swing. Shopping for holiday gifts is stressful but also a little fun, especially when you think about the joy you will bring to those who receive them. But in all the rush to get everything done in time, it is easy ...

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November 22, 2020

4 Reasons to Do Your Shopping on Small Business Saturday

When Thanksgiving rolls around, the holiday shopping season comes into full swing. While many people prepare their strategy for Black Friday shopping, a lot of them forget about the second shopping holiday that weekend: Small Business Saturday. Small Business Saturday is the day you are supposed to look to your smaller area shops to find those perfect holiday gifts while ...

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November 15, 2020

Charitable Giving: How it Affects You Financially as Well as Personally

The holiday season is just around the corner and many charitable organizations are in desperate need of donations to help provide the vital services needed in the community. You are most often inundated with a number of charitable requests towards the end of the year, which could be ideal time to take advantage of charitable giving from a financial standpoint. Charitable ...

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November 9, 2020

Prepare for Long-Term Care Before the Need

Long-term care (LTC) keeps you functioning in the face of devastating illnesses, disabilities and prolonged disorders such as Alzheimer’s disease. LTC kicks in when you lose the ability to care for yourself and can no longer do things such as bathe, dress or eat without help. These are three of the six most commonly listed activities of daily living, or ...

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November 6, 2020

Election 2020 is Undecided

The American people have voted, casting a record number of ballots under extraordinary circumstances, which is a testament to the enduring resilience of our democracy. Determining the outcome of our elections is a process, but it usually moves so quickly it barely gets noticed. This year it will take longer, but the process itself hasn’t changed. For many, this uncertainty ...

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November 4, 2020

End of Year Planning: Set Goals and Reduce Taxes

By the last third of the calendar year, you're likely to have a pretty good idea of what your annual income will be and whether any major expenses or big life changes await you. This can allow you to engage in more robust tax planning, creating the first draft of your federal and state income tax returns to see what factors ...

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November 2, 2020

Political Parties and Stock Markets since 1900

Does the party occupying the White House affect the U.S. stock markets and other economic measurements?  How does the party controlling Congress affect markets? While it’s interesting to review history and try to answer those questions, before we draw any conclusions, we should at least acknowledge that “past performance is no guarantee of future results.” And that is especially true ...

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October 8, 2020

October Update From Metcalf Partners

The upcoming election and COVID 19 Update: The fourth quarter of 2020 has officially begun. Good riddance?? I’m not sure what word to use to describe the feeling of entering the final quarter of what has been undoubtedly one of the most bizarre and “unprecedented” years in recent memory. COVID 19 continues to hang around while the stock market has ...

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October 2, 2020

What Gen Xers, Millennials, and Baby Boomers Need to Know About Financial Planning?

Financial planning is an important part of securing your current lifestyle as well as preparing yourself for what you wish to do in your eventual retirement. And while this importance may look different during each stage of your life, it doesn't make it any less important. Whether you call yourself a baby boomer, hail from the Gen Xers, or are a part ...

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October 2, 2020

COVID Change How You Think About Spending?

The COVID-19 pandemic has reshaped our lives in unprecedented ways, forcing us to stay at home more, adjust our spending habits and even reevaluate our retirement hopes and dreams. But let’s take a moment and examine how COVID has changed our relationship with spending money specifically. And imbedded in our answer lies the often-uncomfortable topic of whether we have a ...

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October 2, 2020

12 Estate Planning Must-Dos

Many of you already have estate documents, probably executed many years ago. You need an estate attorney to look over your documents every 10 years or so. Here are a dozen points to review. Do you have a will and powers of attorney for health care and property? These are part of every complete estate plan. With health-care power, you ...

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October 2, 2020

What to Know About Working With a Financial Professional

If you've been wondering how to optimize your finances and ensure your money continues to work for you, a financial professional may be able to help. But the thought of turning over your most sensitive financial information to a near-stranger can be an intimidating one. To make this relationship work, you'll need to place a great deal of trust in your ...

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September 22, 2020

Comparing Life Insurance Policies

Like anyone else, you want a life insurance policy that meets your needs and budget. But how do you find the right policy when there are so many to choose from and many of them seem so similar? The key is knowing how to compare policies and evaluate the results. Know what you want--and compare apples to apples Your first ...

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September 14, 2020

How to Protect Your Wealth as You Get Older

As you get older and closer to retirement, your financial practices need to shift slightly as you transition from working and saving to relying on your nest egg. As you approach this stage of your life, you need to take steps to protect your wealth. Keep these tips in mind.   Shift Toward More Conservative Investments   As a general ...

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September 9, 2020

How Much Life Insurance Do You Need?

How Much Life Insurance Do You Need? Your life insurance needs change as your life changes. When you are young, you may not have a need for life insurance. However, as you take on more responsibility and your family grows, your life insurance needs increase. Your needs may then decrease after your children are grown. You should periodically review your ...

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September 1, 2020

National Life Insurance Awareness Month

September is National Life Insurance Awareness month. And while most of us likely recognize that life insurance provides us peace of mind and security, there may be a few things you don’t know. Life Insurance is Not Just for the Young Many people – but not enough – will buy life insurance in young adulthood. But life coverage provides some ...

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August 27, 2020

Back to School: Getting Your Financial House in Order

The abrupt end to the 2019-2020 school year in many parts of the U.S. left parents and students alike struggling to establish healthy routines. As many students prepare to head back to the classroom (or the remote classroom) this fall, what steps can parents take now to get their houses in order? Learn how dependent care accounts, 529 accounts, and other ...

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August 19, 2020

I’m Changing Jobs. What Should I Do With the Money in My Plan?

Changing jobs is an important decision -- one that many of us are making more often. Once you've decided to switch jobs, your next move is to determine what to do with the money in your former employer's retirement plan. Four Common Options Generally, you have four options or a combination of options for handling the money in your account: ...

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August 12, 2020

ABCs of Investing for College

Invest early. Invest often. Invest for growth. These are the basic principles of saving for your child’s college education. The earlier you begin a savings program, the more time you have to benefit from the power of compound interest. For example, if you start saving $200 per month when your child is an infant with a 7% rate of return, ...

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August 4, 2020

3 Mistakes to Avoid Before Taking Required Minimum Distributions

Uncle Sam wants your money. He has bills to pay, just like you. And he's been waiting patiently for decades for you to hand over his share of your tax-deferred retirement dollars. He expects some folks to be stubborn about it, so he has an answer. It's called a required minimum distribution (RMD), and savers who have money stashed away ...

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July 28, 2020

Risk Management and Your Retirement Savings Plan

All investing involves risk, including the possible loss of principal, and there can be no assurance that any investment strategy will be successful. Investments offering a higher potential rate of return also involve a higher level of risk. By investing for retirement through your employer-sponsored plan, you are helping to manage a critically important financial risk: the chance that you ...

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July 22, 2020

Six Tips To Take Control of Your Financial Health

Similar to taking care of your personal health by proactively incorporating healthy habits and annual checkups, you can also take control of your financial health when you are proactive and engaged in managing your finances. And also like your physical and mental health, your financial health requires an ongoing commitment and focus in order to get results. Regardless of your ...

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July 15, 2020

Should You Pay Off Your Mortgage or Invest?

Owning a home outright is a dream that many Americans share. Having a mortgage can be a huge burden, and paying it off may be the first item on your financial to-do list. But competing with the desire to own your home free and clear is your need to invest for retirement, your child's college education, or some other goal. ...

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July 7, 2020

Paying for College and the Impact of COVID-19

With the coronavirus shutting down educational institutions and moving classes online, the face of education across the country has changed. While the focus has been primarily on completing the educational requirements to get K through 12 students through the end of the year, colleges and universities have been particularly hard hit as well. Not only is attendance down and funding ...

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June 26, 2020

When Will The Economy Recover?

The economy is moving in the right direction, as many economic data points are coming in substantially better than what the economists expected. From May job gains coming in more than 10 million higher than expected and retail sales soaring a record 18%, how quickly the economy is bouncing back has surprised nearly everyone. “As good as the recent economic ...

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June 23, 2020

Hats Off to Public Service Workers During the Coronavirus

While many people have been furloughed and others are working from home, public service workers have continued to show up at work every day as the COVID-19 spread through the United States. During Public Service Recognition Day, we'd like to take a look at the tireless efforts these people are making while dealing with the coronavirus crisis on the front ...

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June 18, 2020

3 Charts That Have Our Attention

Stocks have shaken off the 5.9% S&P 500 Index drop last Thursday by gaining three days in a row before yesterday’s modest weakness. While researching and reading this week, three charts stood out that tell us quite a good deal about how investors have reacted during this volatile market and what could be next. Incredibly, we saw nearly a third ...

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June 1, 2020

Ideas for Reducing the Cost of College

Encourage your student to think about their future financial self   Mid-August is the time of year that our kids pack the U-Haul and head to college. And while they’re excited about a brand-new semester, it can be frightening to see the cost – and rising college debt – that comes with the college experience. What can our college students ...

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June 1, 2020

Annuity Basics

An annuity is a contract between you, the purchaser or owner, and an insurance company, the annuity issuer. In its simplest form, you pay money to an annuity issuer, and the issuer pays out the principal and earnings back to you or to a named beneficiary. Life insurance companies first developed annuities to provide income to individuals during their retirement ...

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