Category Archives: News

Asset allocation? Translation: Don’t put all eggs in one basket

You can borrow money for a college education but not for your retirement. It’s what we, as financial experts, truly believe. But a constant tug-of-war between 401(k) plans and Section 529 college savings plans has ensued in investors’ hearts and minds—and neither side appears to be winning. Identifying priorities is no easy task. Just ask an average parent if his or her retirement is more important than paying for a child’s education. Continue reading

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Make sure Uncle Sam doesn’t get a chunk of your estate

You can borrow money for a college education but not for your retirement. It’s what we, as financial experts, truly believe. But a constant tug-of-war between 401(k) plans and Section 529 college savings plans has ensued in investors’ hearts and minds—and neither side appears to be winning. Identifying priorities is no easy task. Just ask an average parent if his or her retirement is more important than paying for a child’s education. Continue reading

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Tug-of-war: Fund Retirement or Kid’s College Education?

You can borrow money for a college education but not for your retirement. It’s what we, as financial experts, truly believe. But a constant tug-of-war between 401(k) plans and Section 529 college savings plans has ensued in investors’ hearts and minds—and neither side appears to be winning. Identifying priorities is no easy task. Just ask an average parent if his or her retirement is more important than paying for a child’s education. Continue reading

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Don’t touch my wallet! How to get your kids off your payroll

The burdens of stagnant wage growth and student loan debt make it increasingly difficult for young adults to gain their financial footing. Fortunately, just as parents teach their sons and daughters to cross the street or ride a bike, we can also, in the same way, train our children to become financially independent. Continue reading

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Gaining Through Market Losses

There’s a common misperception that estate planning is reserved for the wealthy, as an attempt to shield assets from the grasp of Uncle Sam—but nothing could be further from the truth. In fact, estate planning is giving what you have to whom you want, the way you want, when you want and with the least amount of taxes and expenses possible. Continue reading

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Estate planning: Not just for the 1%

There’s a common misperception that estate planning is reserved for the wealthy, as an attempt to shield assets from the grasp of Uncle Sam—but nothing could be further from the truth. In fact, estate planning is giving what you have to whom you want, the way you want, when you want and with the least amount of taxes and expenses possible. Continue reading

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Gen X Faces Daunting Task: Planning for retirement

Published: Tuesday, 16 Sep 2014 | 8:00 AM ET

By: Ivory Johnson, CFP, ChFC, Founder, Delancey Wealth Management, LLC

Members of Generation X face the daunting task of planning for a retirement that will likely include no pension, a potential Social Security haircut, stagnant wages and high education costs for them and their children.

Sandwiched between 80 million […]

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Looking Beyond The 529 Plan For College Savings

Published: Wednesday, 3 Sep 2014 | 8:00 AM ET

By: Ivory Johnson, CFP, ChFC, Founder, Delancey Wealth Management, LLC

Many parents have come to understand from the day their children are born that college is both necessary and very expensive.

While it’s assumed that a 529 college savings plan is the best way to save for that education, […]

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Let’s be honest: When was the last time you reviewed your 401(k) plan?

Published: Tuesday, 10 Dec 2013 | 8:00 AM ET

By: Ivory Johnson, CFP, ChFC, Founder, Delancey Wealth Management, LLC

For many workers, a 401(k) plan is the cornerstone of their retirement plan. With defined benefit plans disappearing, Americans are now charged with making sound financial planning decisions, often with little professional assistance from an advisor.

While millions of […]

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The Positive Side of Budget Cuts

Published: Friday, 22 Feb 2013 | 1:24 PM ET

By: Ivory Johnson, CFP, ChFC, Founder, Delancey Wealth Management, LLC

Americans have witnessed three decades of economic success through the prism of cooked books and lofty promises – $85 billion in unceremonious budget cuts would be a rude awakening. Two roads diverged in a yellow wood and it […]

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