How are your 2021 resolutions doing? We are three months into 2021 and there is a good chance that half of all the New Year’s resolutions have already failed. A long-term study by the University of Scranton found that less than 10% of resolutions become part of our lives1. The Key to Progress Such a…

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At certain anniversaries it can be helpful to pause and reflect on what happened over the past year and what, if anything, we can learn from and improve upon going forward. Pause and reflect We are now one year after COVID was recognized as a global pandemic, the market dropped off precipitously and, unbeknownst at…

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Financial and tax fraud scams are increasing and becoming more sophisticated. No doubt you or someone you know has received some correspondence, whether by phone, email, or regular mail, that has been fraudulent in nature. Continue reading to learn how you can take proactive steps to protect yourself from financial fraud. How can you protect…

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Humility, or I should say the lack of humility, is a quality that is easy to identify in others, yet difficult to see in ourselves. Humility is a difficult quality to develop because it may threaten our sensitive egos. Ego is important; we all have one. Our very survival depends on what “I” do or…

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Please enjoy this interview-styled article titled, “Kaleb Paddock on Giving, Budgets, Bottle Caps and More!”. Giving, Budgets, and Bottle Caps Kaleb Paddock, founder of Ten Talents Financial Planning, is featured in this Sammy Rabbit article. Kaleb is a CERTIFIED FINANCIAL PLANNER™ (CFP®) Professional and founder of founded Ten Talents Financial Planning. He offers flat-price financial…

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Please enjoy the recent InvestmentNews article titled, “HSAs, an adviser favorite, just don’t get much love”. Kaleb Paddock, founder of Ten Talents Financial Planning, is featured in this InvestmentNews article by Emile Hallez. “The accounts have another plus for retirees — withdrawals for ineligible expenses. After age 65, an HSA is comparable to a traditional…

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The color green is attributed to many positive things in life. Green is often used as a symbol of prosperity and even represents life itself. But not all green is good. Being green with envy is a characteristic we should avoid like the plague. As Charlie Munger put it, “There’s an old saying, ‘What good…

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Do you have retirement on your mind? Have you already retired in the last year or two? Average return is misleading As you think about your retirement and investment portfolio, it’s common to focus on achieving an “average return” and think that’s your ticket to not outliving your retirement savings. But do you understand that…

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