My Advice for New Empty Nesters

The first 50 years of someone’s life usually follows a pretty typical progression: It starts with parents who look after their children for the first 18 years or so, allowing the child to experience and learn new things. High school gives way to college and the journey of living independently and discovering a profession. After college come work, a career and maybe even a spouse with which to have children. But then comes the hard part for most parents, the time when their children get ready to leave the house and begin their own lives.

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Craig Arfsten

Craig Arfsten

As a Prosperion Advisor, Craig has the independence, support and resources to help clients with what he does best – listening to their stories, discovering their desires, and identifying their greatest financial risks, before developing a comprehensive approach to meeting those needs. Learn more about Craig here.

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The New Baby Financial Checklist

Congratulations, you are expecting an addition to your family! I have just one word for you – Ka-ching!

Babies are expensive – we had 4 of them so I know this first hand. Here are some must-do tips for new parents.

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David Morrison

David Morrison

David uses Values Based Financial Planning to align your financial choices with your most important goals and your most deeply held values. He has a comprehensive process to consolidate, coordinate and simplify your financial life in a way that brings you more confidence and clarity about your future. Learn more about David here.

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Financial Tips for Newlyweds

As another summer wedding season comes to a close, many new couples will, for the first time, learn financial responsibility for two. So whether you’re a young couple tying the knot or you found your spouse a little later in life, here are three themes to help navigate this new territory.

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John Booren

John Booren

John started his investment career in 2012 after graduating from Colorado State University with a bachelor’s degree in Financial Planning. His desire is to provide care and guidance for individuals and families through all aspects of their financial life. Learn more about John here.

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How to Get Ready for Retirement – The 4 Freedoms

People often think of retirement as freedom from work. It’s the day they step away from their career, collect a gold watch, and set sail for the Bahamas. While retirement does usually include the opportunity to resign from the 9-to-5 grind, it also offers liberties people don’t usually consider. Here are four freedoms we encourage our clients to contemplate as they near retirement.

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Steve Booren

Steve Booren

Steve started his investment career in 1978 with the NYSE investment firm EF Hutton, working in the environment of a large investment company. Desiring to provide clients with unbiased investment advice, he founded Prosperion Financial Advisors. Learn more about Steve here.

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Mid-Year Outlook 2013 – LPL Financial

Investors’ Trail Map to the Markets

The investment landscape for the first half of 2013 has proven to be a tough one to navigate. And, LPL Financial Research believes the second half of this year will best essay writing service reviews be equally difficult to navigate. There is a lot of rocky terrain and potentially some surprises ahead that investors need to prepare for. To help you plan for what lies ahead, we bring you our Mid-Year Outlook 2013: Investors’ Trail Map to the Markets to provide you with what you need to know before you go and check before you trek.

Converging on the Path of Least Resistance

The performance of the markets is likely to converge in the second half of the year on a path that likely holds modest gains. The return of volatility will also be a key characteristic of the second half as markets follow a path with ups and downs.

Read the abridged version

Read the full version

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3 Simple Steps for Choosing Your Next Financial Advisor

The number and variety of financial advisors today is simply astounding. From those who specialize in fortifying money to those who believe in growing wealth as quickly as possible, there is no lack of options when it comes to choosing a financial advisor. But this can be a double-edged sword. The sheer number of choices can often be overwhelming, often leaving clients disheartened and confused.

As a financial advisor who’s helped clients in that very situation, I believe there are three key steps to choosing your next financial advisor and it’s easier than you think.

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The 8 Best Financial Apps for Money-Conscious People

You’d be hard-pressed to find someone without a smartphone or tablet these days. Companies like Apple and Samsung have redefined how we communicate, what we rely on, and our ability to access information. Around here, we call this device a “de-materializer” because you no longer need to carry a phone, calendar, watch, calculator, music player, or a computer. Instead, you have access to all those functions and plenty more in one small device.

With so much access to information, how can we use these devices to make our lives easier? From market data to mobile price checking, I’ve selected my favorite financial apps that every money-conscious person should have.

eMoney (Wealth Vision)

emoneyFor those of you who utilize our complementary WealthVision service, this app gives you instant access to your entire financial dashboard. It makes it easy to track your spending, access your document Vault, or follow your investments in one place.

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John Booren

John Booren

John started his investment career in 2012 after graduating from Colorado State University with a bachelor’s degree in Financial Planning. His desire is to provide care and guidance for individuals and families through all aspects of their financial life. Learn more about John here.

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Thinking about Retiring? 5 Steps to Get Started

So you’re thinking about retiring.

That’s a big decision. There is a good chance you’ll be retired for as long as you worked. Think about that – 20 to 30 years – that’s a long time to be without a paycheck. So I want to offer pointers for those considering retirement and what you can do today to increase the likelihood of an enjoyable retirement.

Planning for retirement is something you do while working and receiving a paycheck. Figuring out how to live when the paychecks stop is not easy. Visualizing life 30 years from now is equally difficult. But the longer you wait to start planning, the harder it will be to get ready for retirement. The goal is to plan an enjoyable retirement, but wait too long and it may vanish.

Here are five steps you can take today to start planning for an enjoyable retirement.

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Craig Arfsten

Craig Arfsten

As a Prosperion Advisor, Craig has the independence, support and resources to help clients with what he does best – listening to their stories, discovering their desires, and identifying their greatest financial risks, before developing a comprehensive approach to meeting those needs. Learn more about Craig here.

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5 Ways to Dominate Your Taxes Next Year

Happy Birthday US Federal Income Tax! It was 1913 when Americans were first subject to a 7% Income Tax. Today, 100 years later, we are dealing with an enormously complicated and increasingly controversial income tax system.

Now is the time to get ready for Tax Day on Tuesday April 15, 2014 when your income tax return is due for 2013. Wait, you say, we just sent in our 2012 return. Is there no rest from taxes?

Well of course you could wait until next April to start thinking about tax savings for 2013 but by then it may be too late. Here are some things to do now that will make things easier this time next year.

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David Morrison

David Morrison

David uses Values Based Financial Planning to align your financial choices with your most important goals and your most deeply held values. He has a comprehensive process to consolidate, coordinate and simplify your financial life in a way that brings you more confidence and clarity about your future. Learn more about David here.

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2 Easy Ways to Reduce Your Taxes

In preparation for this week’s Prosper On commentary, I Googled “How to reduce taxes.” The result: nearly 45 million pages. I didn’t have a chance to go through all the results, but those I did see led to ads and articles discussing all the complex options for reducing your tax bill.

With three weeks remaining in the 2012 tax year, our theme for Prosper On has turned toward taxes. From planning to organization, we want to provide some relief and strategies during this busy season.

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John Booren

John Booren

John started his investment career in 2012 after graduating from Colorado State University with a bachelor’s degree in Financial Planning. His desire is to provide care and guidance for individuals and families through all aspects of their financial life. Learn more about John here.

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