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Estate | Central Coast Financial Management

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Effective estate management enables you to manage your affairs during your lifetime and control the distribution of your wealth after death. An effective estate can spell out your healthcare wishes and ensure that they're carried out – even if you are unable to communicate. It can even designate someone to manage your financial affairs should you be unable to do so. Exit Strategies of the Rich and Famous. Estate conservation is too important to put off. Do you have a smart exit strategy? Living trusts ar...

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Investment | Central Coast Financial Management

http://www.centralcoastfm.com/resource-center/investment

Investing should be easy – just buy low and sell high – but most of us have trouble following that simple advice. There are principles and strategies that may enable you to put together an investment portfolio that reflects your risk tolerance, time horizon, and goals. Understanding these principles and strategies can help you avoid some of the pitfalls that snare some investors. The Real Cost of a Vacation Home. What if instead of buying that home, you invested that money? 5 Smart Investing Strategies.

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Your Emergency Fund: How Much Is Enough? | Central Coast Financial Management

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Your Emergency Fund: How Much Is Enough? Have you ever had one of those months? The water heater stops heating, the dishwasher stops washing and your family ends up on a first-name basis with the nurse at urgent care. Then, as you’re driving to work, giving yourself your best, “You can make it! 8221; pep talk, you see smoke seeping out from under your hood. When starting an emergency fund, you’ll want to set a target amount. But how much is enough? Coming Up with Cash. Bankrate.com, June 23, 2014. Once y...

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Money Wise

http://www.centralcoastfm.com/resource-center/money

One of the keys to a sound financial strategy is spending less than you take in, and then finding a way to put your excess to work. A money management approach involves creating budgets to understand and make decisions about where your money is going. It also involves knowing where you may be able to put your excess cash to work. What Our Kids Can Teach us About Saving Money. Would you guess that Millennials are effectively saving for retirement? Well, they are. Your Cash Flow Statement. The true cost of...

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Should You Invest in Exchange Traded Funds? | Central Coast Financial Management

http://www.centralcoastfm.com/resource-center/investment/should-you-invest-in-exchange-traded-funds

Should You Invest in Exchange Traded Funds? There are hundreds of ETFs available. Should you invest in them? Global and International Funds. Investors seeking world investments can choose between global and international funds. What's the difference? A Look at Diversification. Diversification is an investment principle designed to manage risk, but it can't prevent against a loss. 5 Smart Investing Principles. Principles that can help create a portfolio designed to pursue investment goals. Securities and ...

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Insurance | Central Coast Financial Management

http://www.centralcoastfm.com/resource-center/insurance

Insurance transfers the financial risk of life's events to an insurance company. A sound insurance strategy can help protect your family from the financial consequences of those events. A strategy can include personal insurance, liability insurance, and life insurance. The Other Sure Thing. Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared? Protecting Those Who Matter Most. The importance of life insurance, how it works, and how much coverage you need. Social ...

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The Fed and How It Got That Way | Central Coast Financial Management

http://www.centralcoastfm.com/resource-center/investment/the-fed-and-how-it-got-that-way

The Fed and How It Got That Way. A quick history of the Federal Reserve and overview of what it does. Tulips were the first, but won’t be the last. What forms a bubble and what causes them to burst? Don’t Be Your Own Worst Enemy. Emotional biases can adversely impact financial decision making. Here’s a few to be mindful of. 5 Smart Investing Principles. Principles that can help create a portfolio designed to pursue investment goals. Have A Question About This Topic? Securities and Advisory Services offer...

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Glossary | Central Coast Financial Management

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A method of exchanging insurance-related assets without triggering a taxable event. Cash-value life insurance policies and annuity contracts are two products that may qualify for a 1035 exchange. A 403(b) plan is similar to a 401(k). A 403(b) is a qualified retirement plan available to employees of non-profit and government organizations. A mortgage with an interest rate that is adjusted periodically based on an index. Adjustable-rate mortgages generally have lower initial interest rates than fixed-r...

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how-to-retire-early

http://www.centralcoastfm.com/resource-center/retirement/how-to-retire-early

How to Retire Early. Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts. Women are great at multi-tasking. But many drop the ball when preparing for retirement. Where Will Your Retirement Money Come From? Retirement income may come from a variety of sources. Here's an overview of the six main sources. An Inside Look at Retirement Living. A number of questions and concerns need to be addressed to help you better prepare for retirement living. Securities...