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Digital Assets – What They Are and Why You Already Own Some

By Jamie Hopkins

Recently I gave a presentation to a large group, over 300 in attendance. I asked the group, “How many of you own a digital currency?” Only about three or four hands went up. I was shocked. Read more

year end planning

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7 Year-End Planning Tips from a Wealth Planner

Published by Mark Petersen, Vice President Affluent Wealth Planning

The holidays are upon us, so that must mean it’s time for year-end income tax planning, right? In the past, I would have said yes, but that changed 12 months ago when the Tax Cuts and Jobs Act (TCJA) of 2017 was passed. Read more

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Ignorance Is Bliss

By Morgan Snow

Have you ever been so intimidated by something that you choose to ignore it in hopes that it’ll go away, but in return it ends up creating a bigger issue? It’s like the saying, “Ignorance is bliss”. There was a study conducted by U.S Bank that CNN published (read full article here)  where only 32% of households maintain a budget; that is 3 out of 5 people that don’t! In addition, 70% of Americans don’t even have $1000 in their savings account.  If this describes your situation.. just know you are not alone, and be assured that it is never too late. Read more

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The 4 Pitfalls of No Plan

There are some things in life you just can’t plan for: an unexpected illness, job loss, death of spouse, disability…While these major events can impact your life, having an effective game plan can help ensure that it doesn’t ruin your financial well-being. Read more

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Improving The Traditionally Allocated Portfolio

Published by Tyler Schlumpf

We’re going to introduce a few mathematical concepts in this article that are crucial to building a portfolio. For those that are already moving their cursor up to the X in the right hand corner, just stick with it! These concepts, whether we choose to learn them or not, have a significant impact on the way we combine investments and are important to understand as we discuss portfolio construction. Read more

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4 Simple Steps to Creating an Estate Plan

Published by Beth Schanou, JD

Most of the time, it feels like life is moving at the speed of light. I often feel my entire day, both at home and at the office, is spent in fast forward mode. As if it’s a race to get done as much as possible, I’m running from one thing to the next, all day long, and making sure every household member is fed, cared for, and attends school and their activities. Of course this includes the four-legged members of the family too. Read more

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Financial Advice is Like IKEA Furniture: You’re Not Done When You Bring It Home

By Jordan Toney, Education Specialist

I recently moved into a new apartment and went shopping at IKEA for the first time in my life. I then spent the better part of my evening and the next day putting together my new dresser and bookshelf. As I was building my new bookshelf, it struck me just how useless it was in the form that I bought it. In its box, the bookshelf basically just took up my comfortable living space. Compare that to the finished product, which serves a useful function and stands in a desirable space. While I was building the dresser, which was much more complicated than the bookshelf, I became so frustrated with one of the steps that my wife remarked that she was concerned that I wouldn’t finish the job. However, the thought of a large box leaning uselessly in the corner of our apartment motivated me to continue my work. Read more

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4 Easy Ways to Diversify Your Investments

Published By Jake Bleicher, Equity Analyst

The benefit diversified investments has for a portfolio is simple, in theory. It reduces the impact any individual investment has on the portfolio, and proper diversification can help mitigate losses during a market downturn. In practice however, portfolios can become a large hodgepodge of various assets rather than a methodical allocation. The key is to reduce the correlation between assets so that they generally perform independent of one another. Read more

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The Best Financial Advice Ever Received – a Conversation with Duane Toney (Part 1)

By Jordan Toney, Education Specialist

I sat down with each of our team members at Signal Wealth to discuss the best financial advice they had ever received. In this article, the first in this interview series, I met with Duane Toney, Managing Partner and Financial Advisor at Signal Wealth Advisors.

 Jordan: Thank you for sitting down with me, Duane.

Duane: It’s my pleasure to be with you, Jordan.

J: What is the best financial advice you ever received?

Read more

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Don’t Spend “Future You’s” Money

By Jordan Toney

The summer before my freshman year of college, I worked two jobs and earned enough money to pay for the upcoming tuition for my fall and winter semesters. By the end of the summer, I had never had so much money in my bank account. I felt like there was no way that I would run out of money; except, I did. Because I spent money, here and there during the fall, I no longer had enough money to pay for my winter semester’s tuition. I didn’t understand that I was spending money that wasn’t mine to spend. Technically speaking, the money was, of course, my own. I had worked all summer to earn it. However, practically speaking, the money really belonged to the “future me.” Read more