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Financial Clarity Blog

Helping people make smart financial decisions.  

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You Don’t Need A Long-Term Care Policy, You Need Longevity Planning

Longevity planning and Long-Term Care planning are an integral part of a solid financial plan, especially for LGBT families. But you have to trust that the advisor you work with will help you find, what you want, what you need, what you can afford, and what you can get approved. They also need to give you options if you cannot get the type of coverage you want or need. It is helpful to work with someone who is an expert in working with someone like you.

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Benefits of Financial Planning

October is National Financial Planning Month, so it's fitting we write about the benefits of financial planning! I define financial planning as the ongoing practice of creating and updating a strategy to achieve your goals. It's not a one-time thing. It's a continuous habit or routine. No different than regular car maintenance or dental care. Have periodic checkups with regular care in between.

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How Much Income Do I Need to Protect

One of the most overlooked components of financial planning is income protection. Income is the linchpin that holds your entire financial world together. Unless you are independently wealthy and don’t need to work anymore, you probably rely pretty heavily on your earnings. If this is the case, you should probably do everything in your power to ensure your income continues to flow, even if you are unable to work.

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The Dangers of Not Monitoring Your Portfolio

Ultimately, knowing that hovering too closely over your investments has been shown to have adverse consequences. The most straightforward choice can be to go long stretches without combing through your statements. While I am not advocating for day trading, left unchecked, your investments will not behave as you might like them to. Let’s take a closer look at some potential pitfalls.

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6 Ways to Achieve Financial Success as a New Attending Physician

The 2019-2020 academic year is behind us, which means there are approximately 45,000 new doctors entering practice in America (according to the ACGME Data Resource Book). That's a lot of new doctors who have a fantastic opportunity to achieve financial independence if they get started on the right foot. Today we are going to dive into six ways to achieve financial success as a new attending physician.

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Baby Step Your Way to Financial Independence

Everyone wants to achieve financial independence, whether you are making large strides or taking baby steps. Not everyone has a plan to get there, but everyone would like to be in a position where working for a paycheck is optional. When it comes to getting on track for financial independence, there are two types of people: 1. The people who are on a mission from day one to become financially independent. They make a priority at the beginning of their career to live well below their means and set aside a significant portion of their paycheck for their future (sometimes over half of their take-home pay!). 2. Everyone else.

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