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2016: Bull or Bear

Published February 11, 2016 3717 Views

While we are off to one of the worst starts to the year ever many wonder can US stocks still have positive returns in 2016? As the market is down roughly 10% year to date, it is reasonable to assume that if you're not 100% in cash or CDs most investors are losing money. Why?Many attribute this volat...

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SURPRISE! Social Security Is Changing

Published February 4, 2016 3328 Views

Many of you have likely heard or read about the seemingly sudden new legislation that has closed the door on some popular Social Security claiming strategies. Congress described the changes to Social Security as "closing unintended loopholes" in order to protect the solvency of the overall Social Se...

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Don't be a worry wart

Published January 25, 2016 3240 Views

Surprisingly, stocks have had the worst start to the year EVER. Unfortunately, that makes people scared. This article cites Google Trends statistics that the phrase "sell stocks" is the most popular internet search since 2008 (the year of our most recent financial crisis). While we can give people a...

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Fear Itself

Published January 19, 2016 3357 Views

"The stock market is a device for transferring money from the impatient to the patient." - Warren BuffetHardly has there been a more inglorious start for the markets than this. With the S&P 500 down 8% in two weeks, anxious would be a euphemism. But for the dates displayed on the front of newspa...

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Tips for Financial Security

Published January 12, 2016 3457 Views

Financial security can be like swimming toward the horizon if you do not create a plan and stick to it. Working with an advisor to create your own plan can help to create a sense of ownership over your financial future. It is very easy to allow "life" to get in the way of planning but if you can keep your focus you will be much happier in the long term.

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Nothing Worked

Published January 7, 2016 3458 Views

"We've long felt that the only value of stock forecasters is to make fortune tellers look good." - Warren BuffetIt's safe to say that a majority of investors were not celebrating their portfolios this past holiday season. With the Dow Jones Industrial Average down 2.23%, the S&P 500 down 0.7%, a...

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Not Just for Year End

Published December 17, 2015 3137 Views

As 2015 comes to a close there are so many things to do! There are gifts to wrap, meals to cook, cookies to bake, bonuses to earn, and perhaps some tips to take to improve your portfolio. Many advisors provide an annual review and make suggestions on how to improve performance and potentially gain t...

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Local Acquisitions

Published December 3, 2015 3323 Views

In the world of business there is always possibility that a company may purchase or merge with another. This week Five Star Bank's parent company, Financial Institutions Inc., announced the purchase of Courier Capital for $9 million. Courier Capital is an advisory and wealth management firm with loc...

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Life Insurance: How much do you really need?

Published November 16, 2015 3139 Views

If something were to happen to you, would your family have enough life insurance to continue living the way they do today? Some experts say many families need 70%-90% of their current gross income1 if something were to happen to the breadwinner. While a sobering topic, it is very important and can h...

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How to Monetize Your Heirlooms

Published November 3, 2015 3290 Views

What are you going to do with all your "stuff" when you retire? Years of furniture, souvenirs, great deals, and collections add up over time.As you get closer to retirement, it is smart and efficient to develop a strategy for your belongings. Whether you're planning to downsize, want to see your chi...

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