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Posts by Marcus F. Johnson, CFPⓇ

Where to live as we age?

One of the most stressful decisions as you age is whether to stay in your current home or consider other alternatives. According to a survey by AARP, 90 percent of adults age 65 and older want to remain in their current residence as long as possible.  The desire to “age in place” is a natural…

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Splitting Retirement Plans When Divorcing

While no one marries with the intention to later separate, if divorce or legal separation is in your future, make sure you understand the implications against retirement savings. If you or your spouse have money in retirement plans, you’ll most likely have to share the assets. It’s important to understand what governs the division of…

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Health Care Considerations Before Retiring

Amid retirement anticipation, it is crucial to take the time to make wise decisions regarding health care coverage.  Here are some things to consider at various times. Retiring at any age: While some Medicare Advantage plans cover dental and routine vision services, regular Medicare and Medigap plans don’t. If you’re not planning to buy a…

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Year-End Money Moves

As 2018 winds down, it’s natural to focus on holiday activities. It’s also a great time to calculate your net worth, review your saving and spending for the year, and consider some smart moves to help you reach your financial goals. Here are a few to consider: Rebalance your portfolio. Has a certain class of…

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Be Smart about Charitable Giving

Americans, as a group, are generous—especially during this wonderful holiday season. But they can also become cynical if they feel they have been duped.  A recent example is the New Jersey couple who raised hundreds of thousands of dollars for a homeless man on GoFundMe.  The feel-good story turned sour when New Jersey prosecutors announced…

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What Legacy Will You Leave?

Nearly sixty years ago, John Taylor (my grandfather), trimmed some large branches off a friend’s mature willow tree.  He placed the cut ends of the branches into a barrel, kept it filled with water, and watched patiently as roots began to sprout over the next several months. John was fresh out of law school, married…

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What to do when kids and grandkids ask you for money

“No” is a short and powerful word.  It’s easy to spell, easy to pronounce, and one of the first words a toddler learns to say.  But for parents and grandparents, “no” can be one of the most difficult words to utter—especially to adult children or grandchildren who want your help to solve their financial problems.…

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Not a Time to Panic

It appears the stock market is experiencing a long-anticipated correction. In last month’s newsletter we noted, “…we can’t help but search the horizon for a cloud or two.  We know a correction would be healthy for the overall market.” What is a correction? Corrections are price declines of 10% or more that stop an upward…

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JFA Market Update 2018-Q1

We are glad 2017 is in the history books.  It’s been a very intense year with Washington turmoil, nuclear threats, and massive natural disasters.  But the good news is that the stock market paid little attention to tweets, polls or weather forecasts.  It not only gave us a stellar performance in 2017, but the final…

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Smart Things to Do With a Year-End Bonus

Last month, CNBC reported 63 percent of firms planned to give employees bonuses for 2017. If you work for one of those companies, it is wise to come up with a thoughtful plan for the extra cash. If you need more time to consider your options, deposit the money in a savings account. It will…

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