Author Archive | James E. Wilson, CFP®

Buckets

Buckets are Better

For all the gyrations over complicated financial strategies and products, one of the best methods to accomplish goals is through the use of “buckets”. That is, organizing savings into tax-deferred (retirement plan accounts) and taxable (dollars invested after taxes) accounts in order to increase long-term flexibility. Sometimes this may mean opting to “personalize“ rather than […]

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Choose

This OR That

We make dozens of choices each and every day. We drive our car in one direction, instead of another. We shop at one store, instead of another. We attend one church, instead of another. All of these are mutually exclusive choices that don’t seem to provide us much difficulty. In the financial arena however we […]

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Town Crier

It’s Not News

“Life is actually far better than it is in the movies. And it takes longer.”  – Seth Godin (Author)   Recently, I was getting dressed and glanced at the “headlines” scrolling across the TV screen of a major financial news network. The script said “Dow up in 14 of past 20 sessions”. The inference, since […]

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Department of Treasury

IRA’s – Today, Tomorrow, Always?

A new budget proposal from the Obama administration brings back some themes from the past; namely, taxing “excess” accumulations (or more specifically, “excess” distributions) from IRA’s and other retirement accounts. Believe it or not, this idea has been on the books previously, as part of the Tax Reform Act of 1986. It was repealed a […]

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Change is Good

Selling Change

“Change is the law of life. Those who look only to the past or present are certain to miss the future.” – John F. Kennedy   Everyone sells something. Physicians, lawyers, architects – all are selling some type of remedy, or solution to a problem. What do we sell? Some might say investment returns, others […]

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Is Gold a Reliable Investment?

Does Gold Really Shine?

The uneasy and uncertain global economic environment has spiked investor interest in gold over the past few years. Is gold worthy? Does it really shine? The past quarter was actually the worst 3 months for gold prices in a dozen years. This has, however, done little to dampen investor interest.  Many investors have created a […]

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Digital Details

Digital Details after Death

Even with an eye towards good organization and forethought, the details of our digital life can create major headaches for our loved ones after death.It seems that it is far easier to set up digital accounts than it is to close them. After death, this nuisance can morph quickly into a major, and perhaps expensive, […]

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