The stock market can be a beast sometimes, and make you want to either put your head in the sand or obsessively watch every move.
Many people want to give to charity and create a legacy of generosity but feel limited by their options. They think that as soon as they give their money away, they lose control of it. No one wants to donate a large chunk of cash to an organization that changes its values or services down the road. Is there a way to have your cake and eat it too? In other words, can you give in a way that will benefit all parties and let you retain some control?
I have had the privilege of working with many clients who have reached a point in their lives where they have invested their money and done well with it, been able to enjoy their preferred lifestyle, and have blessed their children financially. But they want to go further. They want to donate to charities to create a legacy and find self-fulfillment. The problem is, once you give away a large portion of your estate, it’s permanent. Many people are afraid to take the plunge even if they have noble charitable intentions. Is there a way around this?
Dealing with retirement can be tricky. Do you plan for the here and now and everything that goes with it or do you plan for the future and try to take an educated guess as to what might happen? This is especially true when it comes to taxes. Is it better to pay taxes today under the current low rates, or pay them later when they could potentially be higher? What can you do today to lower the probability of paying those higher taxes?
Have you ever noticed that you become like the people you spend time with? The longer you’ve had a relationship with someone, whether it be a family member, friend, or neighbor, you tend to pick up their habits and tendencies and be drawn to their hobbies and passions. There’s nothing inherently wrong with this, except when it comes to your finances.
The stock markets do not like uncertainty, as uncertainty provides the markets with volatility. Volatility changes investors’ raw emotions, and emotions cause people to make rash decisions.
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