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Get Fiscally Fit for 2013: Part 2

Last week my partner Greg Horstman listed ten areas to review before 2012 comes to a close. This week, let’s turn our focus to 2013 and explore some habits worth adopting for the New Year.

The typical question every January is “What’s your New Year’s resolution?” That’s why the gyms are filled to capacity and commercials preach the “greatest weight-loss secret.” So instead of making a resolution this year (which only 46% of Americans maintain after six weeks), try developing a few new habits.

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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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Get Fiscally Fit: Year-End Checklist Part 1

It’s that time of year again – time to count our blessings, spend time with our families and commit to hopping on the treadmill. But as you wrap up 2012, consider getting fiscally fit too! We want to help you make 2013 a successful and prosperous year, so we put together a checklist with pointers for wrapping up 2012 and getting a head start on the new year. Just a little time and preparation can help you spend more time with your family this holiday season and less worrying about your finances.

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Greg Horstman

Greg Horstman

For the past 28 years, Greg has worked to provide clients with exceptional financial advice and strategic investment strategies. In the summer of 2009 he partnered with Craig and joined Prosperion Financial Advisors. His service and personal dedication to clients is second to none. Learn more about Greg here.

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Prosper On: The Year-Long Hangover – Tax Changes for 2013

American taxpayers will have more than just a hangover to deal with come January first. With new tax laws taking effect at the start of 2013, even the non-party goers could be feeling the pain. These changes are broad, significant and far more complicated than they have been in years past.

While the details are still up for debate, it’s safe to say there will be some changes. Depending on an individual’s specific situation, it could be a non-event, a missed opportunity, or an event anticipated and planned for. We’re here to help, so don’t hesitate to contact us with any questions you may have about any of this information.

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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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Prosper On: The Value of Giving Thanks

I love technology. I’m geeky enough to get excited when the MicroCenter Computer catalog is waiting in the mailbox. But I was frustrated enough to contemplate smashing my @#$%^&! iPhone to bits recently. It was slow updating the map function and I missed an exit. Then when I pushed the magic Siri button and spoke instructions, the tiny woman inside my phone couldn’t understand me through my clenched teeth. She kept saying, “I’m sorry Mr. Morrison but I don’t understand.” I was so angry about my technology not delivering what I needed – right now!

It feels pretty silly and immature to admit my severe frustration over such a minor inconvenience. After all, I was holding a tiny computer in my hand that gives me nearly instant access to all the information in the world. It can connect to a satellite in space telling me exactly where I am on the earth and even what exit to take (most of the time). And it cost me less than $200. In that moment my frustration overtook my gratitude for such an incredible piece of technology.

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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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Fiscal Cliff 101

Those who can explain complex ideas in simple ways always amaze me. That’s why I took an interest in the book “The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money”, written by Carl Richards. He has the ability to simplify complex personal financial concepts with a drawing on the back of a napkin. This week I challenged myself to do the same with the impending “fiscal cliff”.

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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 Swing State Advantage

With the 2012 presidential election less than a month away Coloradans are being inundated with political ads. They’re on TV, in the mail, on the phone and every other conceivable medium. As the tone of TV spots gets more and more shrill, I (and I never thought I would say this) actually miss “Dealin’ Doug” the car salesman!

The political onslaught is primarily due to Colorado being a swing state – thought to be one of a handful of undecided states that will turn the election one way or the other. As a swing state, Colorado voters could change the course of the election and maybe even the future of our nation. This responsibility and opportunity to influence change and make a difference got me thinking – how else could Colorado be a swing state? In what other ways could we impact the future of our state and nation?

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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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4 Financial Tips to Teach Your Kids

When I meet someone with good money habits it’s usually because they have someone important in their life, a family member or friend, who took the time to share their financial values and experience. For those fortunate people, money management skills come easy. These skills were ingrained as a child and will serve them well into adulthood.

But some of us haven’t had a mentor. So if you’re a young person just starting out or you’re older and looking to develop better financial habits I hope this article helps you get started down the right path.

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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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7 Money Musts for College Students

As the flurry of excitement winds down for those heading back to college, the realization starts to settle in: college is expensive.

The costs don’t stop with tuition fees. From book costs to beer money, college can be a financial minefield for the uninitiated. Worse yet, on every corner there seems to be a willing lender with a high-interest-rate credit card to “help out”. The result is more students dropping out of college due to financial issues than poor grades according to a report from CBS News.*

It is vital for students to develop good financial habits and avoid the common pitfalls as they advance out of high school and into the independent world of college.

This week recent Colorado State grad John Booren and I wanted to give some “Money Musts” for college students.

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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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The Italian Job

As financial advisors we have the good fortune of working with people and their families at a very personal level. I often hear personal stories, some of which are very inspirational and insightful. Sometimes they even help me to live a better life.

As some of you may know, I took a trip to Italy last month with my son Kyle. In April my brother invited us to join him and his family in Greece for a vacation. Kyle and I couldn’t pass up the opportunity and wanted to do some travel on our own, so we honed our sites in on Italy. Now travelling to Italy is challenge enough for someone who’s only been to Cancun and Vancouver, but I wanted to take it a step further.

I wanted to do it on a motorcycle.

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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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Sudden Changes in Wealth

Colorado’s new favorite Olympian Missy Franklin has amazed us all with athletic feats that have made her a worldwide sensation. Her beautiful smile and contagious enthusiasm make Missy “The Missile” even more fun to watch.

The four gold medals and one bronze won by this 17-year-old Regis Jesuit High School senior are an entrée into a world of lucrative endorsements and prize money. But Missy and her parents say she will start school next week and even swim for the Regis Raiders again. After graduation she plans to go to college and wait to turn pro.

In a world where Missy can expect multi-million dollar offers for her endorsements, she will face the challenges of a windfall of wealth. While most people would be happy to deal with such problems, a sudden change of net worth can be tough to deal with. Here is my advice for dealing with a financial windfall.

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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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