Back to Basics with Bonds
With the future direction of interest rates
uncertain, you may wonder whether now is a good time to invest
in bonds. If you are reassessing your bond investments or deciding where to invest, consider
several basic bond concepts.
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Countdown to Retirement
When your retirement date is only a couple
of years away, you should start taking steps to ensure a smooth
transition from a working life to a retirement life. There are several areas that you should consider as you plan for this transition.
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Utilizing Losses in Your Portfolio
Capital gains on investments held for one
year or less are short-term capital gains taxed at ordinary income
tax rates. For investments held over one year, the maximum long-term
capital gains tax rate is 15% (5% for taxpayers in the 10% or
15% tax bracket). While this is significantly below the maximum
ordinary income tax rate of 35%, it still can take a significant
chunk out of your investment portfolio.
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Financial Tips for Your Children
As a parent, you often wish you could impart
wisdom gained over the years so your children don't have to make
the same mistakes you made. What are the most important financial
tips you should pass on to your children? Try these.
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Organizing Records for an Emergency
After all the natural disasters of 2005,
you should give some thought to what you would do in the event
of an emergency. If you had to evacuate your home, could you quickly
get your hands on all important financial documents? Consider
organizing and keeping those records in one place, preferably
a fireproof, lockable box. Items that should be placed in the
box include.
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David K. Sebastian, CFP®, and his team of experts at The Physicians Wealth Management Group specialize in working with individual physicians and group medical practices. David is considered to be one of the top financial advisors in the country with more than twenty five years of Wall Street experience as a chief investment officer, portfolio manager, institutional bond trader, and estate planning, benefits planning and retirement consultant.
Commitment to his clients’ financial needs and well being is a primary motivation for David.
The Physicians Wealth Management Group was specifically created to address and manage all of the unique financial challenges that doctors are facing both individually and through their group medical practices.
Feel free to contact me at
www.physicianswealth.com or
dsebastian@sfr1.com
or call me at (973) 285-3600
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