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Insights


Crossing the Chasm

Fourth Quarter 2021|Jim Williams| Over the years, and much more recently, I've had a lot of conversations with folks about the transition from accumulation to decumulation, from work to retirement. These conversations have ranged from coaching and counseling on very simple and straightforward issues to extremely complex ones; from formal and professional to informal and casual.

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Cash Flow Revisted

Third Quarter 2021|Jim Williams| This is a brief revisit of some basics of personal finance. Consider this cash flow paradigm: Income, less taxes, less consumption equals investment. A different statement of the formula is that money from income can only go one of three places: taxes, consumption, or savings/investment. This is not higher math. It is arithmetic. Let's examine the elements of the formula.

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Tax Planning in Turbulent Times - Part 2: Tax-Wise Investment Techniques

In our last piece, we introduced some of the tools of the tax-planning trade. These include tax-sheltered accounts for saving toward retirement, healthcare, and education, as well as tax-efficient tools for charitable giving, emergency spending, and estate planning. It’s one thing to have the tools. It’s another to make best use of them. After all, the same paintbrush can create a valuable work of art, or a clashing mess on canvas. It all depends on how you use the brush.

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