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       Michael J. Germano, IV CFP®, ChFC®


Your IRA and Your Legacy: IRAs can play a valuable role

Individual retirement accounts (IRA) are a cornerstone of many people retirement savings strategy, and for good reason: The ability to contribute pre-tax income and to defer taxes until you start making withdrawals means your savings can potentially grow more quickly than they could in a taxable account.But there's more to IRAs than tax advantages for retirement savings. In fact, IRAs can play a valuable role in estate planning, offering powerful tax benefits...
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Understanding Behavioral Bias:Learning how emotions affect decisions can make yo

Are you a better-than-average driver? Chances are, you answered yes. That's because nearly three-quarters of people think they are better-than-average drivers.[1] Besides being mathematically impossible, this statistic is an example of overconfidence and is just one illustration of how certain biases can influence our thought patterns.These behavioral biases sometimes help us make smart decisions. But they also can cloud our judgment and lead us to make irrational decisions.
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Keeping emotions at bay during virus volatility

Keeping Emotions at Bay During Virus Volatility Fear, uncertainty, volatility, panic—these emotions are nothing new to the world of investing. In fact, they seem to reappear on a fairly consistent basis. The outbreak of Covid-19 has brought them back with a vengeance, but wise investors know how to stay the course, keep their emotions in check, and take advantage of new opportunities. Crises Are an Expected Part of the Economy
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