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What’s going on at Vector Wealth Planning? You can read about it in our blog! Whether it’s ideas from the industry, emerging financial trends, or tips to help you budget for that trip you've always wanted to take, you can read about it here. So keep checking in! 

 

Thursday, October 10, 2019

A 529 plan is a state-sponsored tax-advantaged plan designed for saving for future education expenses that are authorized by Section 529 of the Internal Revenue Code. If used for education, the assets grow tax-free. Since 529 plans...

 

Thursday, October 10, 2019

The financial services industry has classified “advice” as financial planning, not investment advice (the selection of investments), which is just one part of wealth management. If Robo-advisors have done nothing else, they...

 

Thursday, October 10, 2019

Due to the duration risk of holding assets over time, a normal yield curve shows that bonds with a longer maturity have a higher yield and pay more interest than short-term bonds. Investors usually demand higher rates of return if...

 

Thursday, October 10, 2019

Consistent growth in net worth is an indicator of positive financial health, but when liabilities grow faster than assets, or the value of assets drop, the result is negative net worth. Net worth calculate by subtracting liabilities...

 

Tuesday, September 3, 2019

At some point, a successful business faces liquidation for all the right reasons. The business owner has built an asset that is now positioned to sell to another individual, a group of investors, or be acquired by a large corporation....

 

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Tuesday, September 3, 2019

With real estate prices recovering to where they were pre-2008 in most of the U.S; many people are buying U.S. vacation homes, and homes abroad for various reasons. The appeal of international vacation homes are at an all-time high as...

 

Tuesday, September 3, 2019

In light of recent media reports on stock market performance, political issues, scandals, and other ‘news-worthy stories,’ keeping yourself removed from media as much as possible may be right for you and your investments....

 

Tuesday, September 3, 2019

After the financial crisis, many Americans re-examined how and why they were investing. It was clear to many investors that having all of their wealth tied to the stock market proved to be more destructive than having alternative...

 

Tuesday, August 6, 2019

What is underway as one of the most significant changes to retirement savings plans in years, the SECURE Act (Setting Every Community Up for Retirement Enhancement Act of 2019) was passed in May 2019 by the U.S. House of...

 

Tuesday, August 6, 2019

The financial advice industry has changed for advisors with a fiduciary financial planning emphasis in their practice. These advisors have chosen process over product for the benefit of their clients. Additionally, new regulations,...

 

Tuesday, August 6, 2019

Many Americans are losing sleep over money, according to a January 2019 survey by Bankrate. The media may report a ‘strong U.S. economy,’ but many people experience stress outside of what’s happening in the broader...

 

Tuesday, August 6, 2019

As the economy shows signs of modest improvement, indications of downward shifting in U.S. production from the residual effects of the trade war are starting to surface, according to the May 2019 Federal Reserve’s Beige Book...

 

Tuesday, July 30, 2019

Couple’s spend many hours planning and a significant amount of money on their wedding, but personal finances and protecting assets deserve just as much attention and planning. When both parties are in agreement on discussing...

 

Tuesday, July 30, 2019

The average American worker stays at a job only 4.2 years, and many had funded retirement accounts they’ve left with the employer’s plan custodian when they moved to a new job. Leaving retirement savings at multiple...

 

Tuesday, July 30, 2019

Market risk is something all investors worry about, but those close to retirement have limited time to recover from the loss. If you’re within ten years of retirement, your investments are at a critical stage to continue to gain...

 

Tuesday, July 30, 2019

Early adulthood is assumed to be a time of becoming financially independent. But an October 2018 study conducted by Agewave reveals that many adults ages 18-34 are not economically independent despite their adulthood. Many still rely...

 

Thursday, June 6, 2019

2018 was a record year for fraud in the U.S. and twenty-one other countries, according to Experian’s 2019 Global Identity and Fraud Reporthttps://www.experian.com/decision-analytics/global-fraud-report.html released earlier this...

 

Thursday, June 6, 2019

I our working years, we work and save toward retiring someday, creating our retirement story. Our story may include daily golfing, living somewhere different, or participating in activities we enjoy each day that help to fill our minds...

 

Thursday, June 6, 2019

I the world of retirement planning, Social Security retirement benefits, referred to as Old Age and Survivors Insurance by the Social Security Administration (OASI), are still included as a source of income in retirement, but should it...

 

Thursday, June 6, 2019

‘Tax advice’ is left to federally authorized tax practitioners wh prepare tax returns and defend clients pursuing relief from federal agencies for their own tax payments or to dispute tax payment errors. Financial advisors...

 

Thursday, May 9, 2019

Every financial client has their own story about what has happened in their life and what they hope to accomplish in the future. Life events can alter even the most carefully thought out plan. Some events clients experience are...

 

Thursday, May 9, 2019

As more boomers leave the workforce each day the future is uncertain for both genders when it comes to their retirement savings lasting their entire life. Many don’t know what to expect when it comes to rising health care costs,...

 

Thursday, May 9, 2019

Inheriting from someone is a wonderful gift, but when it comes to securities assets, namely IRAs, different rules apply to non-spouse beneficiaries. IRS rules designate what the beneficiary can do with the IRA and how distributions...

 

Thursday, May 9, 2019

Losing a spouse, whether through death or divorce, can be devastating emotionally and financially. The loss can take months or even years to recover since there is no way to prepare for death or divorce even when spouses have discussed...

 

Tuesday, April 23, 2019

In today’s economy, offers of an early retirement buyout for a current employee or a pension buyout directed at a former employee are becoming common as companies look for ways to cut costs. Many large employers are offering...

 

Tuesday, April 23, 2019

The good news is we are living longer, but the bad news is that having regular employment, good health and the premature depletion of retirement assets is becoming a reality for many Americans. Despite plans for retiring later...

 

Tuesday, April 23, 2019

More people are choosing to become self-employed with one in three Americans leaving their jobs to go on their own. According to a twenty-year Harvard University Study republished in November 2018, the top reasons many are leaving...