Archives for Financial advise

BONDS AND MEDICATION – Conditional Responses

By: Tony Christensen Over the past couple months, my family has been plagued with sickness. It started with my kids, worked its way to me, then finally moved on to my wife. Unfortunately, each of us a had a different illness but my wife had the worst one- mono! It has been fascinating to hear those around us diagnose our problems and offer suggestions of how to relieve our pains. Although not everyone has offered the same advice, the majority have had the same theme, “take medication!”   The answer is always meds Our society has been conditioned to think
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Categories: bonds, Financial advise, and investment allocation.

It is Human Nature to Protect

By: David Harris 2/27/17 Anyone that has grown up in Utah knows that your 15th birthday is a critical milestone. At this delicate age, my sweet daughter is now able start her training to attain her driver’s license. As her father, I am so happy to teach her all about the operation and management of a motor vehicle. This past weekend we embarked on our first training exercise. All I could think of was how grateful I was for all the safety features in place to protect us! And how thankful I was that we have insurance! We put on
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Categories: Financial advise, Insurance, Safety, and statera.

What do you mean a trust? Part 2.

By David Harris 2/2/17   Last week’s article was all about “Revocable TRUSTS” and many of the basic reasons why we may want to have a trust as the central piece of our estate plan. The article touched briefly on one of the most essential parts of the trust creation, which would be “FUNDING a TRUST”. Why is this so important? The Importance of Funding a Trust Imagine designing and building your dream home. You would spend a great amount of time, effort and expense to ensure that your new home was perfect. Now the time has come to move
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Categories: Financial advise and Trusts.

What do you mean a “TRUST”?

by: David Harris 1/25/17 First things first! Last Sunday a friend of mine asked me why I didn’t write an article in the Spectrum this week. Surprised, I replied that I had written about my family winter camping trip. After many humorous comments from friends and family, we discovered that my article was printed… But my business partner’s picture was displayed as the author. We apologize for the mix up! And Tony is grateful to know that he has 2 kids and not 6 kids, as stated in the article! Now let’s talk Trusts. What is a trust? Revocable Trusts
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Categories: Financial advise and Trusts.

Fees – Are you paying too much?

By: Tony Christensen 1/5/17 During the early years of my married life, I was a Mr. Do-It-Yourselfer. We didn’t have the money to hire everything out, but we still wanted certain things done. This led me to watch a number of Youtube videos as well as get advice from my Dad on how to complete certain tasks. As time has passed and income increased, I have done less and less do-it-yourself projects. I find it interesting that as I get older, I place increased value on hiring help that I can trust and those whom I can count on to
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Categories: Fees, Financial advise, and Financial Advisor.

Why Buckets? Setting the foundation for a sound retirement

By: David Harris Many of us can look back at 2007 through 2009 as it was yesterday, Others only see it as a faint memory. Why do I mention those specific years? To some of you that is an overly obvious question and to others it may seem odd. As a Financial Advisor, I remember those years in specific detail. The world watched as the DOW industrial Average peaked at 14,164.53 in October of 2007 and then plummeted to 6,574 in March of 2009. The DOW Industrial index, which is made up of some of the Largest Blue Chip companies
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Categories: Financial advise and Retirement.