Climbing a Wall of Worry

Climbing a Wall of Worry It is often said that stock markets climb a wall of worry. This makes sense, since historically the market has gone up BUT there always seems to be something to worry about. 2021 is no exception. Year-to-date (through September), the S&P 500 is up about 15%. Strong stock performance has…

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Colorado’s state income tax laws are changing!

Colorado’s state income tax laws are changing! On June 23, 2021, Governor Jared Polis signed HB21-1311 which will be changing Colorado’s state income tax laws. Are you aware of the changes that affect you? Will these changes affect you? Did you know this bill changes tax rules for things like College 529 account contributions? Did…

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Are you afraid of the stock market crashing?

Are you afraid of the stock market crashing? Have you been watching way too much financial pornography? Are you fearful of global destruction and complete collapse of the financial system? You need a financial thinking partner! Learn why we build beautifully diversified portfolios and why having a financial thinking partner can save you from the…

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Creating a Virtuous Cycle

Creating a Virtuous Cycle There are many concerns today that can significantly affect our thoughts, actions and quality of life. Fires out west. A devastating hurricane in the south. Afghanistan. COVID. The list could go on and on. There are many things that are beyond our control in life. However, we can choose to focus…

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Year In Review (Infographic)

Ten Talents Year In Review Infographic It’s that time of year again! Time for the annual “Year In Review” infographic recapping what’s been happening here at Ten Talents Financial Planning, LLC. While it’s been a year full of pandemic changes and surprising twists and turns, it’s also been a year of blessing to serve wonderful…

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Sherpa or no Sherpa? Guide or no guide?

Sherpa or no Sherpa? Guide or no guide? How do you like to climb mountains? Are you a DIY climber or do you choose to hire an experienced guide? Go alone, or hire a guide? Which option is better, to go it alone, or to hire a guide? Your answer to this question will help…

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The Volatility Tax

The Volatility Tax (or why being beautifully diversified matters!) Have you heard the phrase, “more risk, always means more reward!”? Do you think that if you are down 50 percent in an investment or account, that you need a 50 percent gain to breakeven? Learn about the volatility tax by watching the video below Learn…

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The Virtue of Slowing Down

The Virtue of Slowing Down Today we are considering the virtue of slowing down. Time is an interesting dimension. It is a fixed measurement, yet our perception of time varies greatly depending on what we are doing. Longest 8 Seconds It has been said that the longest eight seconds in life is riding a bull.…

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Did you know there’s a 0% tax bracket?

Did you know there’s a 0% tax bracket? You can pay 0% tax rate below certain income thresholds on your long-term capital gains. And you can take advantage of this 0% tax bracket by carefully reviewing your tax planning each year! But these would be gains taken in a brokerage account, NOT a retirement account.…

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Teaching Children Money Habits

Teaching Children Money Habits: An Interview with Sam Renick, creator of Sammy Rabbit. Enjoy this interview with Sam X Renick, the creator of Sammy Rabbit! Teaching Children Money Habits Have you struggled with teaching your children positive money habits? Are you looking for resources to teach your children or grandchildren about how to think about…

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