tag:blogger.com,1999:blog-50911817605444569282024-02-20T14:30:04.309-08:00Brian D. Gibbs Heritage Retirement BlogIncreasing Income. Reducing Taxes. Preserving Assets.
www.heritageret.com Anonymoushttp://www.blogger.com/profile/04962475988322180978noreply@blogger.comBlogger7125tag:blogger.com,1999:blog-5091181760544456928.post-1980271584294079892013-09-18T13:33:00.000-07:002013-11-12T13:35:40.835-08:00Members of the Same Financial Success Team<!--[if gte mso 9]><xml>
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<br />
<div class="MsoNormal">
<span style="font-size: 12.0pt;">September is already well
upon us and it finally seems that the heat wave is starting to subside, thank
goodness. We are quite spoiled though, since we only have a few weeks of hot
weather. Syria and other world political issues have been heating up too, while
real estate has started to cool down a bit lately. We will continue to endure, enjoy and
sometimes suffer the cycles of economic, political and human experience. </span><span style="font-size: 12.0pt;"><span style="font-size: 12.0pt;">It is important to remember the simple but
true saying, "This too shall pass." </span>Another helpful thing is to remember to celebrate and enjoy the harvest when things
go well, the patience to endure and accept what we cannot change, and the
wisdom to know the difference (I took some liberty here with an ancient
Sanskrit Poem). </span></div>
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<br /></div>
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<span style="font-size: 12.0pt;">As we navigate through some interesting and
challenging times ahead regarding the US budget crisis, Federal Reserve
decisions and their attending inflation and interest rate implications, and
foreign political and military decisions which will affect us all, I wish you peace
of mind and success in your endeavors. We work together to make the most of
any situation we are presented with as members of the same financial success
team. As always,
our doors and phones are open to you!</span><br />
<br />
<span style="font-size: 12.0pt;"><span style="font-family: Calibri;"><span style="color: #948a54; font-family: "Calibri","sans-serif"; font-size: 10pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US;">This is a personal blog and is for informational purposes only.<span style="mso-spacerun: yes;"> </span>This
information is not intended to be a substitute for specific
individualized tax, legal or financial planning advice as individual
situations will vary. For specific advice about your situation, please
consult with a lawyer or financial professional. </span></span></span></div>
Anonymoushttp://www.blogger.com/profile/04962475988322180978noreply@blogger.com0tag:blogger.com,1999:blog-5091181760544456928.post-58474712709786101462013-08-01T12:56:00.000-07:002013-11-12T13:35:31.863-08:00A Great Opportunity to Still Refinance or Buy Your Ideal Home for Retirement<!--[if gte mso 9]><xml>
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mso-tstyle-rowband-size:0;
mso-tstyle-colband-size:0;
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<![endif]--><span style="font-size: 12.0pt;">It seems this year is really
flying by at a rapid pace, which means that we must all be having a lot of fun!
I sincerely hope you are enjoying good health, success in your endeavors and
peace of mind in your life. I am the luckiest advisor
anywhere because I have the nicest clients ever!</span>
<br />
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<br /></div>
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<span style="font-size: 12.0pt;">Just a few brief comments on
the last month’s record-breaking rise in interest rates. As you know, we have
all been enjoying the opportunity of multiple refinances on the way down to the
historic low mortgage rates of late, and I have been preaching the importance
of refinancing and getting all the money possible at these levels. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt;">Well, in one
fell swoop of the tongue, Bernanke managed to virtually
torpedo the bond market and cause interest rates to rise more in one week than
in any other in mortgage history. We experienced a full one percent rise in
rates in a week’s time, followed by a ¼% improvement temporarily. This reduced the amount that can be financed
by the same payment to most buyers by $50,000, and put a cool hold on the
super-hot real estate market of the prior 12 months in San Diego and elsewhere.
The multiple bids on a home within hours or days of its listing, and the
willingness to substantially overpay on the asking prices just to get the home, slowed way down and virtually disappeared. That does not mean that housing
and appreciation is dead, just considerably reduced and stabilized again.
</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt;">Lest anyone feel too badly, we must remember that these current mortgage
rates in the low to middle 4% range are still historically low, and
present a great opportunity to still refinance or buy your ideal home for
retirement before the rates rise more and inflation truly kicks in, which it
ultimately must and will, in my opinion.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="text-align: left;">
<span style="font-size: 12.0pt;">The broad financial markets </span><span style="font-size: 12.0pt;"><span style="font-size: 12.0pt;">and the 2<sup>nd</sup>
Quarter were not particularly good ones</span></span><span style="font-size: 12.0pt;">. Fortunately, we had a banner 1<sup>st</sup>
Quarter, and a good July to date to offset it, putting us still in good shape
year-to-date. We must count our financial blessings overall and enjoy this
current strong market while it lasts. To be sure, it has lasted longer than I
thought it might before a correction of substance, though we did have a
pullback since I last expressed my concerns. </span></div>
<div class="MsoNormal" style="text-align: left;">
<br /></div>
<div class="MsoNormal" style="text-align: left;">
<span style="font-size: 12.0pt;">Once again, true diversification,
temperance and balance are the rules of the day at Heritage and have proven our
best defense in times of challenge and have still allowed for excellent
long-term results overall for our conservative client base.</span><br />
<br />
<span style="font-size: 12.0pt;"><span style="font-family: Calibri;"><span style="color: #948a54; font-family: "Calibri","sans-serif"; font-size: 10pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US;">This is a personal blog and is for informational purposes only.<span style="mso-spacerun: yes;"> </span>This
information is not intended to be a substitute for specific
individualized tax, legal or financial planning advice as individual
situations will vary. For specific advice about your situation, please
consult with a lawyer or financial professional. </span></span></span></div>
<div class="MsoNormal" style="text-align: left;">
<br /></div>
Anonymoushttp://www.blogger.com/profile/04962475988322180978noreply@blogger.com0tag:blogger.com,1999:blog-5091181760544456928.post-77678846277150807832013-05-22T15:00:00.000-07:002013-11-12T13:35:22.494-08:00On Borrowed Time at these All-time Market Highs<!--[if gte mso 9]><xml>
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<![endif]-->My greatest hope is that the younger generations have been
taught and thereby have learned what made this great country of ours great. I
fear their general ease and prosperity and the attack on the fundamental moral
values and founding constitutional principals they have had to endure in the
classrooms might become a real challenge for them and our country in the
future. May we all do everything we can to teach our children and grandchildren the
basics of right and wrong, and the enduring principals of goodness and
morality, and be examples of the same in our daily living and in the way we
participate and vote to keep our freedoms and the greatness of this country
intact. I
am still very grateful for all we enjoy and am hopeful for our future, and realize
that we cannot change the world directly, but we can enjoy the wonders and our
loved ones around us and do whatever is in our power to make a positive
difference in our own lives and the sphere of influence we each enjoy.
<br />
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<br /></div>
<div class="MsoNormal">
I have truly enjoyed the high level of success in the
financial markets and accounts we have all experienced lately. If only this
trend were permanent life would be very easy and prosperity would be easy.
Sometimes we get to enjoy these above-average results without stress and market
worries, and sometimes we have to work very hard to protect capital and returns
from financial and market challenges in order to protect and achieve positive
returns. Because we never know for sure when the markets will shift and to what
degree of severity, we have continued to implement our tried and proven
methodology of broad asset allocation, true diversification, best of class
managers, and re-balancing as we move along. Even volatility and temporary
declines can be useful and productive overall with these tools and strategies
being in place. I have felt for a time lately that we are on borrowed time at
these all-time market highs, and am glad we have installed “safe zones” and
non-correlated alternatives in our holdings. Patience and perspective will again be needed in the future as
markets shift and times become turbulent as they do at different stages of the
market cycles. The important thing is to work to achieve a steady and calm mind
of contentment and work in harmony to meet whatever challenges come with hope,
resolve and consistent efforts to improve our financial picture at every
juncture.</div>
<div class="MsoNormal">
<br />
<span style="font-family: Calibri;"><span style="color: #948a54; font-family: "Calibri","sans-serif"; font-size: 10pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US;">This is a personal blog and is for informational purposes only.<span style="mso-spacerun: yes;"> </span>This
information is not intended to be a substitute for specific
individualized tax, legal or financial planning advice as individual
situations will vary. For specific advice about your situation, please
consult with a lawyer or financial professional. </span></span></div>
Anonymoushttp://www.blogger.com/profile/04962475988322180978noreply@blogger.com0tag:blogger.com,1999:blog-5091181760544456928.post-79580093911796333722013-04-09T14:58:00.001-07:002013-04-09T15:01:30.178-07:00Nobody Knows the Future...<br />
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<span style="color: blue;"><span style="color: black; font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">Happy April to each of you! It is
definitely a beautiful time of the year, isn’t it?</span></span></div>
<span style="color: black; font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;"></span><br />
<div class="MsoNormal" style="margin: 0in 0in 0pt;">
<span style="color: blue;"><span style="color: black; font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">I will only briefly comment on the state of things as I see them in my homemade
and non-technical language. Bottom line, the stock market is near
all-time historic highs, interest rates at all-time historical lows, domestic
debt has never been higher, Europe is gasping for air, Korea is playing a
dangerous game of saber-rattling with scary implications, and in spite of it
all, the world keeps on ticking and the markets seem to largely ignore the
realities of the day. </span></span></div>
<div class="MsoNormal" style="margin: 0in 0in 0pt;">
<span style="color: blue;"><span style="color: black;"></span></span><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;"> </span></div>
<div class="MsoNormal" style="margin: 0in 0in 0pt;">
<span style="color: blue;"><span style="color: black;"><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">I personally think we must be very cautious at this time,
financially speaking, and rely upon safe money zones and broad diversification
in portfolios to soften the eventual and inevitable decline that is to come. If
we knew for sure when it will hit in earnest, and how significant it will be,
we could be perfect in our decisions and avoid all damage. However, as you know
and as we continually confess, absolutely nobody (not even the brightest
geniuses and wealthiest people in the world) knows the future nor when things
will do what they do in the market - because the market always fools most of the
people most of the time, and has a mind of its own. Hence, our philosophy at
Heritage of using safe zones, ultra diversification, alternative asset classes
and moderation in all things, is in full effect and has shown to be the only effective
long-term medicine that works consistently. <o:p></o:p></span></span></span></div>
<span style="color: black; font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">
</span><br />
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<span style="color: blue;"><span style="color: black; font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">I appreciate my clients' confidence,
loyalty and business year after year and pledge my continued untiring efforts
to help them protect their finances from undue risk, work to reduce the tax
burdens they face, and help grow their asset base and increase their income as
needed for retirement. It is a tall order and one I take seriously, but feel
it is a calling and passion to help wherever I can to make the journey more
secure and enjoyable. Though I can and do help others who are younger, the people I focus on serving are primarily
high-income earners with big tax issues or those who have been serious
investors or inheritors of substantial money who need to protect and grow their
wealth seriously towards retirement. </span></span></div>
<div class="MsoNormal" style="margin: 0in 0in 0pt;">
<span style="color: blue;"><span style="color: black;"></span></span><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;"> </span></div>
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<span style="color: blue;"><span style="color: black; font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">I recently hosted my annual dinner for my
new Heritage clients who joined the Heritage Family in 2012, which was a great success! I look forward to including new referrals this year. </span></span></div>
<div class="MsoNormal" style="margin: 0in 0in 0pt;">
<span style="color: blue;"><span style="color: black;"></span></span><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;"> </span></div>
<div class="MsoNormal" style="margin: 0in 0in 0pt;">
<span style="color: blue;"><span style="color: black;"><span style="font-family: Times, "Times New Roman", serif;"><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">May you be blessed with good health, good relationships, prosperity and continuing peace of mind as you work to keep enjoying the journey!</span> <o:p></o:p></span></span></span></div>
<span style="color: black; font-family: Times, "Times New Roman", serif;">
</span><br />
<span style="font-family: Calibri;"><span style="color: #948a54; font-family: "Calibri", "sans-serif"; font-size: 10pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US;"><span style="font-size: x-small;">This is
a personal blog and is for informational purposes only.<span style="mso-spacerun: yes;"> </span>This information is not intended to be a
substitute for specific individualized tax, legal or financial planning advice
as individual situations will vary. For specific advice about your situation,
please consult with a lawyer or financial professional.</span> </span></span>Anonymoushttp://www.blogger.com/profile/04962475988322180978noreply@blogger.com0tag:blogger.com,1999:blog-5091181760544456928.post-78069834666239286472013-01-17T15:15:00.000-08:002013-01-22T13:17:42.416-08:00Welcome to the New Year!<br />
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<span style="font-size: 12pt;"><span style="font-family: Calibri;"><strong>Happy New Year and welcome to
2013!!</strong> </span></span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 0pt;">
<span style="font-size: 12pt;"><span style="font-family: Calibri;">Time
surely does fly when you’re having fun, doesn’t it? It seems like I was just
recently wishing a Happy 2012, but somehow a full year has come and gone
already. It has been an interesting year at that, full of many changes on the
business and economic fronts. I will take the liberty
to mention a few of the highlights.</span></span></div>
<span style="font-size: 12pt;"><span style="font-family: Calibri;"></span></span><br />
<span style="font-size: 12pt;"><span style="font-family: Calibri;">I
sincerely hope you are enjoying good health, peace of mind and
prosperity in your personal life, and that you have weathered any storms and
challenges that you were called to endure last year. There is nothing as
constant as change in life, and the better we become at adapting to whatever
comes the more contentment and joy we find.<o:p></o:p></span></span><br />
<br />
<div class="MsoNormal" style="margin: 0in 0in 0pt;">
<span style="font-size: 12pt;"><span style="font-family: Calibri;">On
the family front, my youngest son, Ryan, got married to his beautiful bride Kara
in April. He recently finished his accounting degree from BYU and returned to
San Diego to seek full-time employment here, much to my joy. My second son,
Jordan, and his wife, Jessica, had a darling little girl, Esther, in May,
making me a grandpa four times over now. </span></span><span style="font-size: 12pt;"><span style="font-family: Calibri;">I am a lucky and
a blessed dad, grandpa and husband indeed!<o:p></o:p></span></span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 0pt;">
<span style="font-size: 12pt;"><span style="font-family: Calibri;">On
the economic front, if you have kept up with my newsletters and the non-stop
media, you won't need much commentary. We went
from the certainty of the largest income and estate tax increases in many
decades ,which was to start on January 1, to status quo for most
Americans - with the exception of a couple stealth tax increases that affect
everyone. Unfortunately, the “fiscal cliff” issue failed to produce any real
reform or significant progress in addressing the problem in the first
place, which is too much spending and an unwillingness to pay the
price to live within the means and address the huge debt load that has been
amassed. We now get to go through the drama again, and maybe even deeper as we
approach the debt limit and the fight to increase it instead of reducing
spending. This will go right up to the very end again with everyone biting
their nails, and with threats of default, loss of credit and
international scorn all being used in the game. </span></span></div>
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<span style="font-size: 12pt;"><span style="font-family: Calibri;">However, as always ,we will again
come through it and hopefully with some real meaningful fiscal reform and
discipline too. We are Americans, and we do, when all is said and done, make it
through thick and thin to survive just about anything. I hope that the voice
of the majority, who have common sense and a desire for freedom, do not stay
silent and let the vocal minority and government factions prevail. May we
always do our part to keep this great county great and free and remember the
source of all our blessings.<o:p></o:p></span></span></div>
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<span style="font-size: 12pt;"><span style="font-family: Calibri;">I hope you will continue to assist us in our gentle growth initiative
within the Heritage Family, as we endeavor to focus our time to provide the
high-level service and expertise you have desired and hopefully enjoyed so far. I would much rather spend my time with you and
yours than in any other way.<o:p></o:p></span></span></div>
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<span style="font-family: Calibri;"><b><span style="font-size: 12pt;">Have a prosperous January and 2013!</span></b></span><br />
<span style="font-family: Calibri;"><strong></strong></span><br />
<span style="font-family: Calibri;"><span style="color: #948a54; font-family: "Calibri","sans-serif"; font-size: 10pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US;">This is a personal blog and is for informational purposes
only.<span style="mso-spacerun: yes;"> </span>This information is not intended
to be a substitute for specific individualized tax, legal or financial planning
advice as individual situations will vary. For specific advice about your
situation, please consult with a lawyer or financial professional. </span><span style="font-size: 12pt;"><o:p></o:p></span></span></div>
Anonymoushttp://www.blogger.com/profile/04962475988322180978noreply@blogger.com0tag:blogger.com,1999:blog-5091181760544456928.post-24969059394969530372012-11-12T15:37:00.000-08:002013-01-22T13:17:59.245-08:00True Diversification, Balance, and Hard Work<span style="font-family: Calibri;">This last month has been a whirlwind of emotions:
excitement, anticipation, disappointment and relief. I hope you are healthy and
happy, and like me, somewhat relieved to at least know what to plan for in the
future again. Since I try to not wax political, and to address the issues
that result one way or the other, I will simply tell you 1) I’m glad the
election is over, with its barrage of advertisements, constant noise, and
negativity 2) I’m sad that entitlements and expensive propositions won the day
and that taxes will be increasing significantly for all of us, and 3) As a
country, we have a lot of challenging times ahead of us. Lest you think I have
given up hope, I have not and am convinced that we must get to work and make
sure that our elected officials know that we expect hard work, cooperation and
results, now that the hoopla is over. The fiscal crisis is looming in the near
horizon. I think there is a slim possibility that some actions might be
proposed and taken to reduce its full impact that will hit us in 2013, but that
most of the real decisions and work will take well into next year to complete.
(This time they need to finally create a budget and address the issues for
real, and not just apply short-term financial bandaids, postponing the hard decisions
until the next crisis.) </span><br />
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<span style="font-family: Calibri;">Between now and the end of the year, I will post additional up-to-date summaries of financial and tax ideas for your
digestion and benefit. Suffice it to say that those who are the “rich”
amongst us will be paying heavily federally and more now for California income taxes. Not a happy comment, but true nevertheless. This
means that effective tax planning and strategic retirement cash flow planning
are more important than ever. Additionally, the market has already responded
to this reality with a significant decline in values, losing over 3% of its
value in two days after the elections. True diversification, balance and hard
work are required to protect capital at this time. Always remember the simple
saying, “this too shall pass” when times are tough, and bask in the good and
happy times when you are privileged to have them. Life is a combination of
peaks and valleys, and the secret is to be temperate, calm and learn to enjoy
the journey regardless of the altitude!</span></div>
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<span style="font-family: Calibri;">There is a lot
going on this time of year, not to mention the most important thing this month, which is
Thanksgiving. When I start feeling a little down about the economy, taxes,
politicians or market corrections, I simply give thanks and think about the
most important things in life, which are family, friends, clients and all
important relationships, good health, my belief in a Creator who has it all in
hand, and hope for a better future. We are truly blessed to be here, in spite
of the challenges we face. Living here still beats by a long ways
anywhere else, in my humble opinion. I am very grateful for my clients' friendship, kindness, loyalty, trust, and business that
allows me to keep serving and helping others with everything financial
and retirement oriented. </span><br />
<span style="font-family: Calibri;"></span><br />
<span style="font-family: Calibri;"><span style="color: #948a54; font-family: "Calibri","sans-serif"; font-size: 10pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US;">This is a personal blog and is for informational purposes only.<span style="mso-spacerun: yes;"> </span>This information is not intended to be a substitute for specific individualized tax, legal or financial planning advice as individual situations will vary. For specific advice about your situation, please consult with a lawyer or financial professional. </span><span style="font-size: 12pt;"><o:p></o:p></span></span></div>
Anonymoushttp://www.blogger.com/profile/04962475988322180978noreply@blogger.com0tag:blogger.com,1999:blog-5091181760544456928.post-6099523181286657252012-10-31T14:14:00.004-07:002013-01-22T13:18:17.556-08:00Tax Planning for Changes Starting January 2013<br />
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<span style="color: black;"><span style="font-size: 12pt;"><span style="font-family: Calibri;">It’s officially
Fall now and, frankly, I’m ready for some cooler weather. </span></span><span style="font-size: 12pt;"><span style="font-family: Calibri;">However,
we still enjoy some pretty terrific and beautiful conditions here in
sunny San Diego, so I am grateful to be in such a favorable and enjoyable
place! I am particularly grateful to have such wonderful and kind
clients. That is what makes what I do so rewarding and meaningful, and I truly
appreciate their confidence, friendship and business. </span></span></span></div>
<span style="color: black;"></span><br />
<span style="color: black;"><span style="font-size: 12pt;"><span style="font-family: Calibri;">A lot of very important tax law changes are coming in January 2013 that will, unfortunately, cost most of us a lot of additional tax
dollars. These changes make tax planning particularly important now, as
we end the year and start the new one. </span></span><span style="font-size: 12pt;"><span style="font-family: Calibri;">This
presidential election represents an important turning point for our country
which will impact our finances and freedoms for decades to come. Whatever
happens will give more certainty and the ability to make more specific plans to
combat higher taxes and inflation. I am actually anxious for it to
conclude and to get on with effective planning.<o:p></o:p></span></span></span><br />
<br />
<span style="font-family: Calibri;"><span style="color: #948a54; font-family: "Calibri","sans-serif"; font-size: 10pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US;">This is a personal blog and is for informational purposes only.<span style="mso-spacerun: yes;"> </span>This information is not intended to be a substitute for specific individualized tax, legal or financial planning advice as individual situations will vary. For specific advice about your situation, please consult with a lawyer or financial professional. </span><span style="font-size: 12pt;"><o:p></o:p></span></span>Anonymoushttp://www.blogger.com/profile/04962475988322180978noreply@blogger.com0