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Lessons 30 Years After 1987

Last month marked the 30th anniversary of Black Monday, October 19th, 1987, when the Dow Jones Industrial Average fell 508 points and the S&P 500 saw a one-day loss of -20.5%. The market has certainly come a long way since then, having weathered two more bear markets and continuing to reach all-time highs.

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Vision Wealth Planning Turns 5!

This month marks the fifth anniversary of Vision Wealth Planning. In 2012, I set out to take the best of what I had learned in my previous 20 years of experience to provide a service that is personal, professional and directly addresses the wealth management needs of a select group of individuals and families.

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What To Do Now About the Equifax Data Breach

In the midst of two natural disasters in the last two weeks, Equifax announced a man-made disaster that could cause financial issues for years to come. Equifax, one of the big three credit bureaus, has itself been hacked, exposing millions of citizens’ personal identification. We are writing to share some information with you about the breach, Equifax’s current course of action, and, most important, what you can do to protect yourself.

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Social Security Short-Changes 100,000+ Widows

A recent audit report of the Social Security Administration’s Office of the Inspector General estimates that the SSA has underpaid 110,000 widow(er)s $285 million. While SSA is working to correct the 101 widow(er)s that were actually discovered in their sampling of 200, it is unclear how others affected by this error will be identified and corrected.

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The Effect of Returns on Planning Projections

I recently wrote about why I Hate Predicting Investment Returns. As I continue to meet with clients and potential clients, the reality of return expectations continues to be a necessary part of the discussion. Toward the end of the previous post, I made the statement, “This (lower return) expectation is being baked into my discussions with clients and the planning projections we do.” Here is what that means in practice using an example.

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