Financial Planning

Give Me Some Credit

During the first hints of volatility at the start of March, the flight to safety drove interest rates to multi-year lows and had lenders cutting mortgage rates to be competitive in what looked like the start of a new home refinancing boom.   The cost to borrow quickly fell to multi-year lows and mirrored the …

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Call to Action

“When I was a boy and I would see scary things in the news, my mother would say to me, ‘Look for the helpers. You will always find people who are helping.’” – Mr. Rogers     During World War II automotive factories and upholsters retooled to manufacture supplies for the military.  Fast forward 80 …

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Markets Scared Sick

While fear and uncertainty have taken back the year-to-date gains for the major indices, they’ve also reopened a window for long term planning.   The markets are quick to react when a new event flips investor sentiment and distracts from the underlying fundamentals, but you shouldn’t lose sight of your long term goals.   Fear …

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Donating Your RMD, Qualified Charitable Distributions

The goal for many investors is to put away enough money so that in retirement they can maintain the lifestyle to which they’ve become accustomed. Retirement accounts facilitate this by allowing the full amount of your savings to grow tax-deferred which prevents taxes from eating into your returns and the rate at which they grow. …

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Establish a Trusted Contact

We want you to be prepared for all of life’s possible outcomes, and so does the SEC, as reflected by new best practice recommendations.   We at Karp Capital have always stressed to our clients the importance of planning, which is why we encourage you to maximize your retirement savings, insure your assets, and have …

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Start Caring for the Future You

Financial planning involves more than just saving on taxes and putting away as much as possible; it also requires a strategic plan for retirement.   You should be managing both sides of your personal balance sheet: the debits and the credits, the assets, and the liabilities. That also involves insuring yourself against the risks that …

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Share Your Life

We hope that during last month’s holiday festivities you had the chance to gather your family together and spend quality time with the people you care about. We spend our year working with you towards your financial goals so the life you share with loved ones has one less distraction. You don’t work hard and …

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