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ESPish?
Just as I was sitting here figuring out where I should begin with some year-end tips for all of you, good old Vanguard (I keep liking them more and more) sends a great email to me covering just that topic…go figure! So rather than reinventing the wheel, I will share with you some of what they had to say, with a bit of my own suggestions sprinkled in.
Conducting a year-end assessment of your financial situation is a smart idea and a good habit to get into. It’s a time to think about moves that will maximize your tax situation like making an IRA contribution or dumping an investment that hasn’t really lived up to your expectations to take the write-off. It’s also a good time to look to what you can hope for in the New Year to make your situation even better. Have you been toying with the idea that a new year's resolution might involve some saving? Or financial planning?
Some of Vanguard's suggested strategies are:
Helen Simon has a DBA from Nova Southeastern University and owns Personal Business Management Services she can be reached via email helen@flfinancialplanner.com.