As more Americans shoulder the responsibility of funding their own retirement, many rely increasingly on their 401(k) retirement plans to provide the means to pursue their investment goals. That’s because 401(k) plans offer a variety of attractive features that make investing for the future easy and potentially profitable. What is a 401(k) plan? A 401(k)…

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This is an article that I wrote for www.NJMoneyHelp.com on the risks and benefits of using equity options in your portfolio. In keeping with Peak Wealth Advisors’ focus on helping our client become smarter investors, it’s a good primer on what options are and some fundamental strategies for those who are unfamiliar.  Enjoy!     Options…

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Financial planning is a process that a Financial Planner will take you through in order to guide you to your financial goals. But goals can be a long ways off, so it’s not just a set-it and forget it activity.  The space between “determining goals” and  “reaching goals” is where the magic happens.  A Financial…

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The answer is, it depends. That may sound surprising since I enjoy advising people on financial matters, but not everyone is in need of professional financial advice.  It really starts with understanding what type of financial advice would benefit you since there are different types of advisors.  For example, there are some advisors who offer…

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What does it mean to be a fiduciary?   Registered Investment Advisors (RIA) are required to follow the standard of fiduciary duty when working with clients, which is a legal standard that stockbrokers and other agents of broker/dealers are not required to follow. The fiduciary standard was established as a result of the Investment Advisors Act…

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