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I received an email from David Harris at Prosperident offering free access to their Embezzlement Risk Assessment Questionnaire for free through the end of August.  This is a quick (15 minutes or less) online questionnaire that allows you to analyze if a staff member's behavior is consistent with embezzlement.

Clients who want to retire before they are eligible for Medicare (age 65) are often concerned about how they’ll handle health insurance costs.  Dental practice owners are probably used to paying this expense out of pocket already and have a better idea than most how much their coverage will cost, but the reality of paying the premium on their retirement income and realizing that

Clients, around the age of 60, start thinking about whether or not they should continue with their disability insurance.  There is a diminishing return on investment when you consider that a disability policy only pays to a certain age, usually 65.   While each year’s premium buys fewer years of benefits, it's also at a time when disability might be more likely.  

I was recently quoted in a Forbes article titled "Should You Ask Prospective Financial Advisors About Their Finances?"  The author asked whether I believed it was reasonable to expect some financial transparency from one’s

Many of our clients use the Mission Financial Planning Dashboard (click here to learn more about the Dashboard) to track spending and have the ability to look at their finances "at a glance", all in one location.  To maintain the security of the Dashboard, we recently added 2-Factor Authentication.

There is ongoing academic research regarding how much money it takes to be happy, or at least satisfied, with one’s financial life.  While the numbers vary, at a certain point, studies show that increases in annual income no longer seem to bring greater happiness.

There are a few factors that should go into answering the question “which account do I withdraw from?”.

As advisors, we’ll think about several factors: 

Avocado toast is the silly yet controversial topic of the month in the world of finance and social media.  It started in Australia with millionaire and real estate mogul Tim Gurner commenting that if millennials gave up avocado toast (representing discretionary spending much like a Starbucks Latte has come to represent here) they could afford to buy houses.

Dentists:  We have started working with a practice analytic software company to provide an add-on service for those clients who may want help quickly and easily tracking what’s going on in their practice.&nbs

A few things to check on your home insurance:

Be sure you have enough coverage to allow you to rebuild in the event of a catastrophic loss.