Debra's Blog

A resource for the thoughts and writings of Debra Brennan Tagg

Debra Brennan Tagg is the Managing Partner of Brennan Financial Services and a nationally recognized speaker and author in the financial industry.  Debra developed and utilizes the DBT360 system, a comprehensive program that curates holistic and tailored solutions to meet the retirement, investment management, and estate planning goals of executive families and small business owners.  Debra lives in Dallas with her husband and two children, and outside of the office enjoys yoga, travel, writing, photography, music, and skiing.

“Do I need a power of attorney?” ...And other stimulating ways to start a conversation

  Pop quiz: Which of these people need a Power of Attorney?   a.            An 86 year old woman that requires in-home care. b.            A healthy 42 year old father of three. c.            A 19 year old college student. d.            All of the above.   The answer, of course, is d) All of the above. As I know from many years advising individuals and families, many people don’t have a Power of Attorney, don’t know if they need one, or think they don’t need one if they don’t have a lot of assets. According to AARP, approximately 45% of people 50+ have a Power of Attorney.   My question: what do the other 55% of people think will happen to them and their possessions if they suddenly can’t make decisions for themselves? Bottom line: If you are an adult (over 18), then you need a Power of Attorney (POA). And if...
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Be Careful Who Your Joneses Are

I asked my client why he and his wife recently went on a safari, when they knew without question that they couldn’t afford it.   “Well, my neighbor decided to go and asked us to go along. What else was I going to say?”   I exercised a moment of patience, but couldn’t help myself. “How about - no?”   “Oh, come on. I knew you would say that. But really, would you have said no?”   Of course I would have said no. Then if I really, really wanted to go, I would have saved until I could go, and then I would have said yes. But I’m a financial planner.   I would love to act like my client is a one-off. He’s not. A recent Wall Street Journal article highlighted a study released by the Federal Reserve Bank of Philadelphia that documented that the neighbors of lottery winners...
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A Guide to Loving Your Millennial Employee

A Guide to Loving Your Millennial Employee   1.  Remember why you hired them. 2.  They’re innovative. Let them be that way. In fact, celebrate it. 3.  Be fascinated by what you and your millennial can teach each other. 4.  Mentor them. 5.  Admire their love for life - they want to make a difference and have fun while doing it. 6.  Give them structure.   Everywhere I go these days it seems like GenXers and Baby Boomers are talking about their millennials. They're not talking about Susanne - the new attorney, or Joe - the new hire. No, they're talking about their millennials. Just like women are not a marketing niche, millennials are not a generation of indistinguishable rubes that just want to go on vacation. I find it interesting that repeatedly one generation of people raises the next in a particular manner, but then lacks the awareness to recognize...
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Don't Miss the Next Market Webinar: Feb. 1 at 3:30

Fourth Quarter 2016 Market Report   2016 started off as the worst year in US stock market history, and ended with a surprising post-election gain in the US stock market.  During this webcast we’ll tell you what happened in between, as well as how the other financial markets are reacting.  We’ll look at the factors that were turning points for us, and whether we see them influencing 2017. If you have questions about the market or economy that you would like addressed on the call, please direct them to Lindsay at  This email address is being protected from spambots. You need JavaScript enabled to view it. .   Click here to reserve your spot   Date: February 1, 2017 Time: 3:30 PM CST   After registering, you will receive a confirmation email containing information about joining the webinar.
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Long Term Care: You May Not Need a Policy, but You Need a Plan

When people imagine retirement, they tend to conjure images of themselves as being healthy, happy, and fully capable of doing what they want to do. However, as people live longer and longer, we know that sometimes our bodies start to fail before our minds do, or that our minds start to fail before our bodies do. None of that is pleasant to talk about, but it is even less pleasant to confront this scenario without a plan in place.   A long-term care plan is just that: a plan. A long-term care plan is not necessarily an insurance policy. A properly designed plan is a combination of emotional, physical, and financial decisions that you have thoughtfully made with your family and other caregivers. You don’t want to make the plan one surprise at a time, especially if you will one day say, “We have no choice but to…” As a financial planner, my...
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How Much Can I Contribute to My 401(k)? Better Question: How Much Should I Contribute to My 401(k)?

My clients are like an extension of my family, and I focus my energy on helping them get to a place where they are confident in their plan. So when I see study after study that says that Americans aren’t saving enough to reach their goals, it makes me think they can do better than that with just a basic education on what it would mean to invest more. According to a year-end report by NerdWallet, only 29% of respondents were confident that they saved enough for retirement in 2016. And of those actually saving, only 32% plan to increase their contributions in 2017. To put salt in the wound, a January 3 article in the Wall Street Journal titled “The Champions of the 401(k) Lament the Revolution They Started” outlines what a failure the 401(k) has been as a tool for Americans to plan for retirement. At all income levels,...
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Qualified Charitable Distributions Help IRA Owners to Avoid Taxes

As we begin to wind down the year, many Americans are looking for ways to donate to charities, and their tax and financial advisors are looking for ways to lower their tax burden. IRA owners over the age of 70 ½ need to fulfill a Required Minimum Distribution by December 31. A Qualified Charitable Distribution (QCD) is an opportunity for taxpayers over the age of 70½ to make required distributions from their IRAs payable directly to a charity and to skip the taxation of the distribution all together.   Here are some key details about how it works:   -The donor/taxpayer must be over 70½ years old.   -The full distribution must go directly to the charity, not the IRA owner. The IRS will not recognize “reimbursements” for previous withdrawals as a QCD.   -No more than $100,000 can be contributed as a QCD.   -The recipient must be a public...
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Protect Your Data and Yourself Around the Holidays

With the holidays on the horizon, you might be considering shopping online and traveling. We all know that hackers are on the prowl day and night these days, especially as more and more of our information is uploaded to the cloud and streamed across the internet.   Here are some tips for you to consider to protect yourself and your data:   If you are not expecting a package or have not ordered anything recently, do not open e-mails about deliveries. Hackers design messages like these to entice you to open the e-mail, which is actually a source of attack - allowing the hacker to corrupt your system, steal account information, or steal your identity.   Do not open any attachments or click on links in e-mails from anyone you don’t know, or e-mails you aren’t expecting. Instead, go directly to the company’s website (i.e. your bank, UPS, FedEx, the retailer)...
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Feeling Hopeless? Put in an application

Feeling hopeless about our country? Dallas Police Chief David Brown says, “Put in an application.”   I am lucky to live in Dallas, a city that doesn’t sit idly by for very long when it sees an opportunity to really get something done. Dallas is vibrant and bold, a direct reflection of its people. Our city reluctantly hit the world stage July 7 when five of our police officer citizens were brutally gunned down, and I became one of millions that hung on Dallas Police Chief David Brown’s words every time he opened his mouth in the weeks following the event. His forthright and heartfelt responses to media Q&A provided a sense of calm as he tried to make sense of the events and how we can heal. When asked what we can do as a city to support the police, he simply responded, “Put in an application.” I am proud...
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Third Quarter (2016) Market Report

Does anyone remember how this year started in the financial markets? We began 2016 with a sharp downturn in oil and stocks – indeed it was the worst start to a calendar year that the S&P 500 has ever had. Not only have we recovered from those lows (the S&P 500 closed at 1,829 on February 11, and at 2,168 on September 30), but we have seen many sectors on both the stock and bond side post positive returns through the end of the third quarter. The summer had relatively low volatility, which kept the domestic stock market range-bound. Volatility picked up in September, but not to the level that some media pundits predicted. While it is possible that volatility increases again as we approach the election, getting beyond the election should be good for the market.  As we all know, financial markets dislike uncertainty more than anything, so knowing the...
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Gifting Made Better: Donor Advised Funds

Americans have always been very charitable, but in this Information Age, donors are demanding more accountability, transparency, and individual choice, so that their philanthropic dollars are truly being used well. This is evidenced by the $37M raised last week by individuals through North Texas Giving Day, a “day of giving” event hosted by Communities Foundation of Texas (CFT).   I work with high net worth investors, families, and small business owners, so I have frequent discussions about charitable giving.  What I often find is that the donor makes a heartfelt decision to donate in order to achieve a greater good, but each decision is made “one-off” and not as part of a greater strategy tailored to what the donor wants to achieve. So how do donors make their charitable choices more specific to them, and possibly more meaningful over the long-term?  Donor Advised Funds (DAFs) offer one excellent solution, and have...
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A Favor? From the IRS?

Every now and then, the IRS does investors a favor. And every now and then, investors think about their estate. While IRS rulings and estates may seem like boring reading, anyone who is married to a spouse with a retirement account should pay attention to this one. In a recent Private Letter Ruling, the IRS allowed a spouse to roll over her deceased husband’s IRA, even though the IRA named her husband’s estate as beneficiary. IRA stands for Individual Retirement Account, which means that an individual owns it. An estate is not an individual. Also important for you to know is that all distributions from IRAs are taxed as ordinary income. If an estate “receives” a $750k IRA as a distribution, that estate has $750k in taxable income that year, which creates a very ugly tax bill.   Based upon a long-standing Treasury Regulation, the IRS generally treats the distribution to...
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The MONEY Budgeting System - Step Five

Y = Why Are You Spending This Money? “Y” is both a category and a question.  You must ask yourself this question for all expenses in order to prioritize them.  As a category, this is the area where we can all find expenses to reduce or eliminate, even if it’s for a short period of time.  We will ALL spend money in this category, more or less in different ways, and more or less at different times of the year, even if we wish we didn't.  This will include eating and drinking in restaurants, first class plane tickets, expensive self-care, pricey clothes and shoes, etc.  We also find meaningful and healthy expenses like charitable donations, gifts for friends, and a daily smoothie habit here.  This is money that is absolutely NOT necessary, but we may still choose to spend it.  The point is that we should consciously decide whether we want to keep spending this money, and...
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Get Thee to a National Park

The National Park Service turns 100 on August 25, and that is but one of the many reasons that I am talking about national parks to everyone I know these days.  I wish I could say that I mandated national park visits in our annual travel plans, but the truth is that it has become an accidental tradition.  Last year I was enamored with the idea of a true American road trip, going to a state I hadn’t visited before, and helping our kids to understand how awe-inspiring our country is.  That landed us in Jackson Hole, visiting Yellowstone National Park and Grand Teton National Parks, followed by a drive to Moab to see Arches National Park. This summer we visited the granddaddy of Texas national parks, Big Bend.  July is not the ideal time to visit Big Bend (temperatures can get to 120+ degrees near some parts of the Rio...
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The MONEY Budgeting System - Step Four

E = Experience We have now made our way through M, O, and N in our budgeting process.  The N was for Needs, and it may have left you feeling like budgeting is not an enjoyable process, especially if it means that you shouldn’t eat out anymore.  Never fear, we understand that life is for living, and E is where you get to do just that.  E stands for Experience: those things that make life meaningful or joyful for you.  Rather than taking care of a basic need, achieving a financial goal, or buying an asset, you choose to spend this money because you want to have the experience.  Maybe it’s for fun, for personal growth, for a challenge, or to improve your physical and mental health.  This experience means something to you.  It may come in the form of buying books, going to concerts, golfing, being a foodie, fashion, yoga,...
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The MONEY Budgeting System - Step Three

N = Needs So far we have made it through two letters in the MONEY budget plan.  M was for Make money, which we all do in one form or another.  O was for Obligations, which covered the costs of owning big things like homes and cars, as well as debt payments and investment contributions that you are committed to. Now we move on to N, which is for Needs. This category will vary somewhat by person, but most of us feel like we need to pay for our food, phone, basic clothing and personal care, and any costs associated with medical health, including annual check-ups and insurance.  Keep these in mind as we progress through the remaining letters in our “MONEY” analysis, as there is definitely a gray area between needs and wants.  For example, I need clothing to wear to work that is presentable and suitable for my job.  However,...
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The MONEY Budgeting System - Step Two

O = Obligations O stands for “Obligations.” An obligation is something you are committed to, so think of this category as large expenses that you must make each month to avoid significant negative consequences.  The major categories that fall under Obligation are the expenses of where you live, of a car, debt, and major savings goals.  If you think about these expenses, you probably went through some sort of analysis before you committed to them.  Even if it was just a cursory review of “can I afford this car payment?” – you still decided at some point that you would be obligated to the expense.  Failing to make payments to this category leads to a surrender of the benefits you have built up by paying for them previously. While you are committed to the Obligations, you also have the greatest amount of leverage to make changes in this area, as these do...
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The MONEY Budgeting System - Step One

  M = MAKE MONEY   M stands for "Make Money."  We all make money, and each household makes different amounts from different sources.  The first part of creating a budget is to know exactly how much money comes to you in the form of income.  In this category, we analyze anything that you would use to pay for your lifestyle: paycheck, income from running a business, Social Security, pension, rental income, and income or distributions from investments if you use it to pay expenses (as opposed to reinvesting).  Some income is predictable (such as a paycheck), and some comes irregularly (such as commissions from sales jobs).  Some may be an uncertain windfall in the future, such as an inheritance.  Noting all details of your income is essential so that in the next steps you can plan your expenses according to when you have money available.   In the budgeting process,...
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August is #BudgetMonth

  Clients ask me all the time, “How much money do I need?” and “How much money should I be saving?” My answer is always the same: it depends on what you want your lifestyle to look like.  People can be happy with all different levels of income and expenses, and the job of a CFP® professional is not to tell them what that lifestyle should look like, but rather to help them put the plans in place to achieve that lifestyle. The first step in our DBT360 Financial Plan process is to look at a client’s budget: how much income they have, and where their money goes.    During August, I will lead you through this first step by exploring our new MONEY budget tool. It’s a multi-layer analysis that allows you to understand, evaluate, and prioritize your spending.  I hope you’ll join us online here for a few articles...
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Gratitude and Leadership, Where Have You Gone?

An open letter from a heartsick but hopeful Dallas citizen Gratitude: The quality of being thankful; readiness to show appreciation for and to return kindness. Leadership: A practical skill encompassing the ability of an individual or organization to guide other individuals, teams, or entire organizations. As a citizen of Dallas, I am heartsick today.  Twelve officers shot, five of them dead.  (I will refrain from using the sterile term ‘deceased’ so that we don’t gloss over the hard reality that they are gone.) As an American, I wonder where this great country is headed. As a human, I am baffled by what engrosses us anymore, and how we become electrified by tragedy, just to move on and leave the wreckage to the families and communities to sort out. In churches, in business journals, on blogs and in schools, the terms “gratitude” and “leadership” are bandied about like emblems of some higher degree of humanity,...
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Brexit- A Quick Look at the Impact

Britain voted 52% to 48% to leave the European Union, which has sent global markets into temporary turmoil, and has caused the British pound to plummet.  Here is what you need to know from a financial perspective:   While the polling prior to the vote was very close, this week’s polling showed a high likelihood that Britain would remain part of the EU.  The “surprise” of the Brexit vote is why the markets are dropping today.  This is simply how markets react to surprise news, especially when it creates a lot of unknowns.   David Cameron had called for the referendum vote, and was in favor of remaining part of the EU.  He will resign in October to make room for someone else to lead this change for Britain. This, of course, creates another unknown. The first step is to invoke Article 50, which allows a member state to depart the...
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Why I Became a CFP® Professional after 15+ Years as a Financial Advisor

Why I Became a CFP® Professional after 15+ Years as a Financial Advisor Our industry is strange and unnecessarily complex for most “consumers” (i.e. people who need help with their money) to understand what to look for when they hire a financial planner. In our industry, someone can have zero experience with money, but pass the Series 7 and 63 licensing exams and call himself a financial planner.  I was fortunate to start my career under the careful tutelage of my dad, who for obvious reasons wanted me trained well.  After a two year apprenticeship, I stood on my own to start my practice within the firm.  Sink or swim, eat what you kill.  I had to learn whether I had the chops to guide clients through life, run a practice, and be an entrepreneur.    I spread my wings immediately, and have since consistently challenged myself to improve as a...
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First Quarter Market Report- 2016

As a supplement to my Webinar last week, here's an abridged version of my analysis and reaction to the first quarter of 2016.   Earnings season is upon us   We are knee-deep in earnings season, and all I can think about is what a difference a quarter makes.  2016 was the worst start to a year in the US financial markets ever.  Ever.   Three months ago some market watchers were calling for a 2008-style downturn.  Many others were saying that our country was on the verge of an economic recession.  And these were very experienced investors and money managers.  There were even a few very surprising calls from a top financial media outlet and head investors at large financial institutions that it was time to go to cash.  At the time, though, both novice and experienced investors were forced to make tough calls to stay invested or not.  After...
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Money-Why's: Stock Indexes

Here's the latest Money-Why's installment, addressing the different Stock Market Indexes and how to determine which is a good comparison tool for your portfolio:       If this or any other video has sparked a question in your mind, click HERE to tell us about it, and we may address it in a future segment.
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Money-Why's: "Stocks and Bonds"

Not surprisingly, I get a lot of questions from clients that are often sheepishly presented as things they feel silly for asking. What they forget is that people hire financial advisors because they need help with their money, which means most of my clients need an education about lots of different money topics. Half the battle is understanding the basic concepts, which are seldom taught in schools or homes anymore.  In the spirit of April being "Financial Literacy Month," here is one of several videos that we'll archive on our website addressing various financial topics and issues that top our Frequently Asked Questions list.   Without further adieu, the Money-Why's video differentiating stocks and bonds:   If you've got any questions you'd like to see addressed on Money-Why's, feel free to email our office.
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What We Can Learn from the Villanova Men's Basketball Team

What we can learn from the Villanova Men’s Basketball Team (Or, how to get ready for your “One Shining Moment”)   As a not-so-recent graduate from Villanova, I always get vaguely interested in sports when the NCAA tournament gets underway.  I grew up in Texas and naturally learned to love football.  When I started at Nova, five years after the men’s basketball team had won the NCAA Tournament, there was still great hope that the team would be able to get back to its former glory, and so I learned about college hoops by osmosis.   Despite some great players, the team was not a part of March Madness while I was a student.  Each year, I follow Villanova’s path through the tournament (if they get there).  I am at best a fair weather fan, not because I don’t support Villanova but because sports don’t interest me anymore.  I used...
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Teaching Kids About Money

  Teaching Kids about Money You can teach old dogs new tricks, but it’s easier to train a puppy.   One of the rewarding aspects of being a financial planner is helping people learn how to help themselves. As my clients walk with me through the DBT360 process, we invariably discover weaknesses that need to be addressed through focused planning and effort. And almost always, at some point, I hear the familiar response: “I wish someone had told me that sooner.”   So, how much sooner? I’m not suggesting that your financial path through life was cemented early on because you spent your entire allowance on baseball cards or candy. But it is true that basic financial concepts learned at an early age can shape habits that will benefit anyone throughout their economic journey. You can teach old dogs new tricks, but it’s easier to train a puppy.   Let’s...
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It's Consumer Protection Week- Best Practices to Protect Your Information

It may be Spring Break for many, but it’s also Consumer Protection Week, which is a great opportunity to highlight how you can protect your personal information.  Our firm and our industry take information security very seriously, and we hear stories regularly about how data can be breached.  I find that people who don’t work in such “data-centric” industries may not be as cautious about their information, as evidenced by the amount of personal information clients tend to send electronically without encryption.  While I'm confident that my clients and friends are savvy enough not to fall for telephone scams asking for money and aren't using "password" as their password, I'm also confident that identity thieves are working hard to develop the next great scam. Here are a few tips that many "secure" people often overlook:   Disposing of Old Computers and Phones   Your computer and smart phone contain a wealth...
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Key Financial Data for 2016

  Tax season has begun, and while you look back over your financials for 2015, we would like to help you plan moving forward.  Attached below for download is our 2016 Key Financial Data, which should help as you make financial decisions personally and professionally this year.  Here are some highlights: ·         Looking at this year’s tax rate schedule for individuals, as well as trusts and estates, please note that capital gain rates remain the same as last year, and the 3.8% investment income surtax applies to married taxpayers at $250,000 income and to single taxpayers at $200,000 income.  This tax generally applies to “passive” income (interest, capital gains, dividends, and rental income) as opposed to earned income, alimony, and Social Security. ·         Also note the standard deduction and exemption information, especially as it relates to the Alternative Minimum Tax.  Millions of taxpayers are subject to the AMT annually, so you should...
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Social Security- An Important Update for 2016

The changes that are coming for this year, and how they may affect you.   Social Security has two changes on the horizon, and it is important to understand them, especially if you or your spouse is between the ages of 62 and 66 and have not yet started taking Social Security. In developing a comprehensive DBT360 Financial Plan for my clients, I analyze all potential future sources of income. Part of our work includes developing a plan to maximize a client’s benefits from Social Security. Social Security is not a “one size fits all” answer, but the information below should be helpful as you decide the best strategy for you.   Feel free to share this information with friends, family, or clients, as this information is brand new, has not been widely reported outside of the financial services world, and has a very short timeframe for workers to make a...
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10 pallets, 300 boxes, 4,650 pounds, 3,875 meals

10 pallets, 300 boxes, 4,650 pounds, 3,875 meals packaged in only two hours!   Thanks to all who joined us January 30th for the 2016 Brennan Financial Services Family Service Day.  We put our hands to work with clients, colleagues, friends, and families to pack food for those in Dallas less fortunate than most - children, retirees, and working parents who just can’t make ends meet.    Why this matters to all of us:   The North Texas Food Bank delivers 170,000 meals per day, and they don’t expect that number to go down.  That means they serve about 62M meals per year.  Unfortunately, they estimate that the need is to serve 92M meals per year.  The NTFB and other local food banks need our ongoing, relentless help to serve families with this most basic need.   What you can do:   Volunteer today.  The NTFB is a fantastic place to...
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2016 Market Outlook Report

Every Quarter, I prepare for my clients a synopsis of the preceding few months to better educate them about world and financial events, and how I think they may be affected. So, without further adieu-   Brennan Financial Services – 2016 Market Outlook Report     We can agree that 2016 has had an extremely challenging start in the financial markets, so let’s get down to business.   This Market Outlook is a “deep dive” into the markets, the economy, and themes we are experiencing. While I generally prefer to write this report in February, the market sentiment took a new direction in December, and I don’t feel the need to watch the market for a month before discussing my opinion of where we are.  We have been predicting that volatility would be a major theme in 2016, and so far we have been correct.    For those of you short...
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BFS Family Service Day is January 30th! (Click for details)

  We look forward to seeing you there. You may also click HERE to sign up.  
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Welcome to 2016

Happy 2016!  Below is a quick update to start the new year, and you can expect ongoing communication throughout the year about investment management, financial planning, and how we plan to continue helping families.   Financial Markets The markets have had a very challenging start to the year, and we are completing our longer analysis to include a 2015 wrap-up and our outlook for 2016. You can expect to receive our current opinion on the Fed, China, the upcoming presidential election, and more next week.  We will also host a webinar about the markets in early February. For ongoing commentary as news impacts our planning, follow me on Twitter (@dbt360planner).   2016 Retirement Plan Contribution Limits Attached are the 2016 retirement plan contribution limits: 2016-Retirement-Planning-Key-Numbers.pdf Now is a good time to review your budget and your goals so you can determine whether you can afford to increase your contribution.  For those who...
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Year End Charitable Gifting

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Seriously? You Don't Have a Will?

Seriously?  You Don’t Have a Will?  And Other Must-Haves for Executive Families   I work with clients on financial planning and investment management.  Unfortunately, most people think they are the same thing.  Financial planning is identifying goals and putting a plan in place to achieve those goals.  Investment management is choosing the right asset allocation for your timeframe and risk tolerance.  If any of that sounded boring to you, keep reading.  I’m talking to you.   I often get this question from friends or colleagues who know I am a financial planner but are not clients: “So what happens to this investment/real estate / bank account if I die?”   My response is always the same:  “What does your Will say?”   (Insert blank stare here, awkward silence, and me trying not to act incredulous that a really smart professional with children has no Will.)   Me: “Your Will.  The document that...
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BFS 2.0

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