This blog is all about math. No, wait, don’t leave. It’s really about making sure you understand how to properly calculate the returns you get from your investments. Because if you’re not getting the return you expect, you might be putting your future goals at risk. Most everybody is probably familiar with the concept of…
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No, this blog is not about how the custodian holding your IRA investments protects itself against hackers. Rather it’s about the legal protection your account offers against creditors. Although most of you probably will never have to deal with irate business creditors, keep in mind that should you end up being among the large minority…
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A well-diversified investment portfolio should include some investment in bonds issued by foreign governments or companies. But it can be difficult (and expensive) to buy foreign bonds yourself. And there’s an additional risk associated with bonds denominated in foreign currencies that you don’t face when investing in U.S. bonds, namely currency risk. If the currency of…
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I’ve written often about the value of delaying Social Security (SS) payments until age 70. By waiting until you reach that age, you accumulate what the SSA calls delayed credits, and are effectively purchasing (using the payments you’ve given up) an inflation-adjusted immediate annuity paying 8%. You won’t find a better annuity anywhere on the…
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In 1994 William Bengen, a financial planner in Southern California, discovered that an individual starting retirement should be able to spend the equivalent of 4% of his/her investment assets, adjusted each year for inflation, for a period of 30 years without running out of money. The portfolio allocation that maximized this return was about 60%…
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Since we are currently in the midst of tax season, just for fun I thought I’d share some of the more creative tax deductions taxpayers have attempted to get away with. Warning: do not try this at home! From the Minnesota Society of Certified Public Accountants comes the following: A woman tried to claim her…
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Cognizant Wealth Advisors, LLC ("Cognizant") is a dba of Perigon Wealth Management, LLC ("Perigon").
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For additional disclosures, please visit www.perigonwealth.com.
Important disclosure information is also available at: https://adviserinfo.sec.gov/firm/summary/131037 and https://www.investor.gov/CRS.
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