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Happy Independence Day

Resolved That these United Colonies are, and of right ought to be, free and independent States. So said the resolution presented before the Second Continental Congress on June 7, 1776. The Revolutionary War was already raging, but this simple statement set wheels turning that changed forever the lives of two men whose fondest dream was to have a country to serve. One would live another fifty years. The other, another three months. Both would become immortals in the eyes of history.

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Letter from the Chairman of Dimensional Fund Advisors, 2017

"After more than 35 years in the financial services industry, I have found that having an investment philosophy—one that is robust and that you can stick with—cannot be overstated."

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Creating an Emergency Fund

Every investor should have an emergency fund. What is an emergency fund? Generally, this is defined as having enough liquid assets to cover three-to-six months’ worth of emergency living expenses. In case of financial emergency, access to additional money will save you from having to rely on credit cards or loans. After all, being in debt can sometimes be its own emergency. When starting an emergency fund, here are a few tips to consider:

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Disaster Planning 101

As a financial advisor, I’d like you to take thirty seconds to read this story by the legendary fabler, Aesop. The Caged Bird and the Bat A singing bird was confined in a cage which hung outside a window, and had a way of singing at night when all other birds were asleep. One night, a bat came and clung to the bars of the cage. The bat asked the bird why she was silent by day and sang only at night.

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Our Easter Message: The Holy Sepulchre

In the Christian Quarter of the Old City of Jerusalem stands The Church of the Holy Sepulchre. According to the traditions of many Christian denominations, the church is said to encompass both the site of Jesus’s crucifiction as well as the tomb where he was buried and then resurrected. Obviously, religious historians and authorities have differing views on the site, and the point of this letter is not to claim one thing or another. What is certain, however, is that the church has stood as holy...

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Overcoming the Odds #2: George Lucas

No matter who you are or where you come from, you have goals in life. But no matter who you are or where you come from, there will come a time when you encounter obstacles to your goals. There will be times when the odds are stacked against you. Fortunately, for those times we have heroes and legends to turn to.

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Keeping What's Yours: How to Protect Your IRA from Creditors & Predators

First things first: by the time you finish reading this letter, give me a call at Bowers Advisory Group, LLC. This letter contains information on a topic we need to discuss. As you probably know, owning an Individual Retirement Account, or IRA, is a valuable way to save for your golden years. IRAs not only come with significant tax advantages, but can help provide a stream of income for you to rely on throughout retirement. For that reason, your IRA should be one of the most precious...

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Step One to Retirement Planning

As mentioned in previous blogs about planning for retirement, here is another practical retirement-related step you can take. This one is also very simple, and can apply to pretty much everyone. Make a List of Retirement Goals When it comes to retirement, besides the myriad of things you know you need to plan for financially, don’t ignore creating a very important VISION of your future that may help you to look forward to retiring rather than be concerned over it!

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Investment Shock Absorbers

Ever ridden in a car with worn-out shock absorbers? Every bump is jarring, every corner stomach-churning, and every red light an excuse to assume the brace position. Owning an undiversified portfolio can trigger similar reactions. In a motor vehicle, the suspension system keeps the tires in contact with the road and provides a smooth ride for passengers by offsetting the forces of gravity, propulsion, and inertia.

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Trump Delays DOL Rule: What You Need To Know

Back in 2015, former President Obama called on the Department of Labor (DOL) to update certain regulations regarding the financial services industry. The end result was a new rule largely known as the “DOL Fiduciary Rule.” To put it very simply, this rule requires all financial advisors to act in the best interests of their clients when giving advice on retirement accounts.

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