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Tax Free Muni Bonds Going Away?

Could one of the last remaining tax safe-havens for high net worth investors soon be a thing of the past?  They could be if this administration has its way. As reported on Bloomberg earlier this month, President Obama is proposing that any tax payer who is above the 28 percent tax bracket no longer be allowed to deduct the interest he/she receives from municipal bonds.  You can read the full article HERE. If this comes to pass and could affect

Americans Fail In Retirement Planning

80% of Americans don’t have the foggiest clue about retirement.  That’s right.  In a 2014 study done by the New York Life Center for Retirement Income only 20% of those surveyed received a passing score of 60%.  This is not good news for the 70 Million people that are going to retire over the next 15 years.   See how you do by taking the Retirement Income Quiz.  If you score below a 60% and you are serious and concerned

The CURE for Eczema?

What if I told you the following about trying to treat eczema on your face? You don’t need to use any natural oils or butters. You don’t need to use any expensive steroid creams or prescriptions. You don’t even need to wash your face with soap, regular or face soap! Would you believe me?  I wouldn’t either if I hadn’t learned these facts myself with my own facial eczema … I’ve had bouts of eczema and rosacea on my face

Happy Thanksgiving!

I want to wish everyone and their families a very happy Thanksgiving.  I have so much to be thankful for this year.  I am thankful to my clients for allowing me to serve them.  I am thankful for my family who has believed in me from day one.  I am thankful to my staff, George and Jennifer, for assisting me in my dual missions of helping veterans and changing the way financial education is taught in this country. Most importantly,

Penalties for tapping 401(k) early

Are you putting all of your retirement savings into government qualified accounts (401(k), 403(b), TSA, IRA, SEP, SIMPLE, etc)?  If so, then you need to consider the possibility of needing access to the money before the age of 59 ½, for things like paying off debt or major capital purchases. Accessing a government qualified retirement account before the age of 59 ½, with a couple of small exceptions, results in a 10% penalty in addition to the income taxes due.

Goodbye to a friend…

In August I had to say goodbye to my best friend for the last 12 years.  I rescued Dick Butkus in November of  2001, and my life was never the same. Butkus was a Staffordshire Bull Terrier, commonly known as a Pit Bull.  Over his life he was an incredible ambassador for the breed.  Mainstream media has portrayed this breed as public enemy #1, mainly due to a minority of the human population who train these dogs to be killers.

Last Advisor Standing

The focus of financial planning is shifting from one of asset accumulation to that of income preservation.  According to Cyril Tuohy in the article, Last Advisor Standing:  The One Who Understands De-Accumulation, “It turns out that putting money into an investment portfolio is a lot easier than taking money out.  Asset allocation, diversification and dollar-cost averaging, the standard strategies for asset accumulation over the long term, is not the same as receiving income from that portfolio…  Clients don’t realize that

Only believe…

Do not believe what you have heard. Do not believe in tradition because it is handed down many generations. Do not believe in anything that has been spoken of many times. Do not believe because the written statement came from some old sage. Do not believe in conjecture. Do not believe in authority of teachers or elders. But after careful observation and analysis, when it agrees with reason and it will benefit one and all, then accept it and live

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Copyright © 2014 The Ziegler Group, LLC All rights reserved.
Investment advisory services offered through First American National Investment Advisors.
Insurance services offered through multiple insurance companies.