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Blog

retirement (2)
Tina Haapala | Aug 22, 2018

Retirement Reality: Needs, Expenses, and What’s Guaranteed

Retirement

By Gary Silverman, CFP®

Last time we looked at some findings from a survey on retirement savings. As you can guess, it didn’t look good. Most Americans aren’t

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retirement (1)
Tina Haapala | Aug 15, 2018

The (Woeful) State of Retirement Savings

By Gary Silverman, CFP®

As a follow-up to a conference I recently attended, one of the vendors sent me some information from a Time.com article. Apparently, I

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socially responsible investing_0
Tina Haapala | Aug 8, 2018

How to Create Diversity in Socially Responsible Investing

Investing

By Gary Silverman, CFP®

Last time we started looking at Socially Responsible Investing (SRI). We saw that mutual funds working in this area can use one of two

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socially responsible investing
Tina Haapala | Aug 1, 2018

Managing your Socially Responsible Investments, Part 1

Investing

 

By Gary Silverman, CFP®

Over the last couple of decades, a new style of investing has emerged: Socially Responsible Investing (SRI). Letting more than your

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fixing social security_Is it possible__1
Tina Haapala | Jul 25, 2018

Fixing Social Security: What Needs to be Done

Social Security

By Gary Silverman, CFP®

Social Security provides benefits to about 50 million people. Yet the system’s troubles are so well known that most middle-aged people

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fixing social security_Is it possible_ (1)_1
Tina Haapala | Jul 11, 2018

Fixing Social Security: Cutting Benefits

Social Security

 

By Gary Silverman, CFP®

For the last two weeks we looked at the trouble with Social Security (the program is bringing in less money than it pays out and

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fixing social security_Is it possible_ (1)_0
Tina Haapala | Jul 4, 2018

Fixing Social Security: Increasing Taxes

Social Security

 

By Gary Silverman, CFP®

Last week I opened a discussion of Social Security and how to fix it. The proposed fixes are numerous but fall into two basic camps

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fixing social security_Is it possible_ (1)
Tina Haapala | Jun 27, 2018

Fixing Social Security: Part One

Retirement
Social Security

By Gary Silverman, CFP®

The Social Security system is big. It is the single largest program in the federal government’s budget. Almost one-quarter of all

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tale of two neighbors
Tina Haapala | Jun 20, 2018

A Tale of Two Neighbors

Wichita Falls

By Gary Silverman, CFP®

Two houses. Almost identical. Two sets of owners. About the same in age and income. Different parts of town. 

Bob planted a small tree

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retirement_8
Tina Haapala | Jun 13, 2018

Discipline Necessary for Planning Retirement

Retirement

By Gary Silverman, CFP®

Today, we’ll finish up our current conversation about retirement. I once read a report that said only 35% of Americans surveyed thought

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default blog image
Tina Haapala | Jun 8, 2018

Video: Saving For Your Child's School

Education
Saving Tips

 A post-secondary degree is essential for some to earn a foothold in the workforce. 

 
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retirement_7
Tina Haapala | Jun 7, 2018

Problems with the 4% Rule

Retirement

By Gary Silverman, CFP®

Last week I introduced the 4% rule when it comes to retirement. It means you could draw up to 4% of your portfolio your first

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PLEASE NOTE: Office Hours Are By Appointment Only....Because we set aside time just for YOU. Personal Money Planning is a fee-only financial planning and investment advisory firm. We help people reach the goals they have in life through financial planning, offering investment advice, and managing investments. We act as a fiduciary so the clients' interests are always first: The recommendations we make are better than just suitable, they are specifically tailored to be the best for the client's life. Also, we are paid by either a flat-fee or percentage of assets, not commissions, so our clients know we are not being enticed by any additional payment to ourselves from the companies we recommend.

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