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What Kind of Charitable Donor Are You?

Presented by Botto Financial    Charitable giving is an important piece of many individuals’ estate plans. Beyond the tax advantages offered by charitable donations, many people have personal reasons for choosing to include charities in their estate plans. A...

Stock Option Strategies

Presented by Botto Financial    Stock options allow you to benefit from an increase in the value of your employer’s stock without putting your own money at risk. You hold the options until you think the stock price has reached a high, and then you exercise and...

What You Should Know About Social Security and Medicare

Presented by Botto Financial    Timeline for Retirement Benefits Eligibility  Age 62: Eligible for social security retirement benefits If you elect to claim social security benefits at age 62, your benefits will be permanently reduced by 25% to 30%. Age 65: Age...

Dollar Cost Averaging for Your Investments

RetireReady Dollar-Cost Averaging at Work: A Systematic Approach to Investing   One of the easiest and most effective ways to jump-start your retirement savings is through dollar-cost averaging. The principle behind dollar-cost averaging is simple: invest a fixed...

Financial Planning Guide for Unmarried Couples

Presented by Botto Financial    No one likes to think about death, disability, or a breakup, but planning for the unexpected can help alleviate many potential problems, particularly for unmarried couples. Although some states have begun to offer committed...