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PFA Ponderings

What ‘Fee-Only’ Means

By PFA Ponderings

You’ve hired a professional to provide services for you.  Hopefully, you have some idea of what these services will cost.  Most contractors, it’s said, will finish their work in twice the time and at twice the cost that’s quoted.  But, hey, if you factor that in at the start, you…

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Under-spending in retirement?

By PFA Ponderings

You’ve worked hard all your life to provide for yourself and your family. You’ve also diligently put aside for your retirement. Your kids are grown and educated, on their own and self-sufficient. Meanwhile, WE have been working hard. We’ve consistently updated your long-term income plan and have helped you to…

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Tis the Season

By PFA Ponderings

Tis the season – when charitable gifting moves to the front of our minds.  It’s not just that the spirit of giving is more palpable during the holiday season… At this time of year, plenty of reminders arrive in the mailbox each day; worthy causes and organizations are looking for…

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A couple of IRA beneficiary challenges.

By PFA Ponderings

Individual Retirement Accounts are great for one major reason… taxes are deferred until distributions are taken, sometimes on contributions and always on growth. Deferral of taxation can be helpful in two ways:  First off, taxes aren’t coming out of the account to pay for regular growth, dividends and interest, so…

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