5 Reasons Why Starting a Side Business Makes Great Sense

People’s expectations of work and career are dramatically changing within our rapidly shifting economy.  One persistent trend is the number of people who work more than one job to make a living.  According to the most recent data from the Bureau of Labor Statistics,...

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3 Reasons Why Target Date Funds May be Off Target

Target Date Funds Are Popular, But Then Again, So Was Smoking The use of Target Date Funds has become one of the most popular 401(k) options for retirement savers.   According to this article, 71% of 401(k) plans offered a Target Date Fund option by the end of 2013...

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3 Strategies to Save More for Retirement

The 3-Pronged Approach to Save More for Retirement I don’t know about you, but I like looking at goals from all perspectives and going after them on multiple fronts.  If you’ve set a goal to save more for retirement, you can definitely take a multi-pronged approach. ...

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The Impact of Student Loan Debt on Your Personal Finances

Student Loan Debt – Pay Now & Really Pay Later Student loan debt is the #1 issue impacting the personal finances of most people under 30.  According to a recent survey conducted by Student Loan Hero, the average student loan debt for 2016 graduates is now $37,172....

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Personal Finances 101 – YOU are Your Most Valuable Asset

Personal Finances Aren’t Just About Saving and Investing When it comes to personal finances, most financial advisors focus on the saving and investing side of the equation.  There is no doubt that this is very important. You should definitely have a plan in place to...

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A Simple Household Spending Plan to Save More for Retirement

“I’m Too Busy to Plan for Retirement” Like all of us, you’re busy.  Retirement is a fuzzy, distant event that has nothing to do with running the kids to lacrosse practice or to dance lessons while making sure family members with five different schedules can get a...

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5 Financial Mistakes Business Owners Make & How to Avoid Them

As a business owner, my guess is you’re quite busy.  Hopefully your company is growing and your days are consumed with marketing your business, caring for your customers and running day-to-day operations. I get that you have a million things to do, but I also know...

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Choosing a Retirement Plan for Independent Contractors

You Have Great Options! According to a recent Forbes article, 13% of the US workforce now consists of independent contractors.  And this percentage will continue to grow, both as employers remain reluctant to add permanent headcount and employees seek more flexible,...

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5 Strategies to Avoid Outliving Your Money

Throw the Old Retirement Rulebook out the Window The rules for retirement are changing.  In reality, retirement as a life-phase is a relatively new concept when looked at in the context of all of human history. According to a recent Merrill Lynch publication, from...

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Hello, I'm Dave Rowan

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