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Archive for the Asset Allocation Category

Determining a Realistic Withdrawal Amount and Asset Allocation

Most people look forward to retirement, but it can be one of the most complicated stages of life from a financial planning point of view.  In addition to charting a suitable investment strategy, retirees need to consider estate planning issues, health insurance needs, and – one of […]

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Retirement Planning: Focus on the Critical Variables within Your Control

A generation ago, it was relatively easy to make your money last through your lifetime: You retired at 65, bought bonds, and lived off your pension and Social Security.  You weren’t expecting to live much past age 75. Things have changed.  Interest rates are near historic lows, pensions […]

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Market Volatility: What should I do now?

Stock markets have been choppy lately, pressured by all sorts of concerns – including tighter monetary policy, the impact of tariffs, and mid-term elections – to name a few. Worrying excessively about a bear market is counterproductive but being prepared for one is always a good idea. […]

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Panic and Greed: Ineffective Investment Strategies

If markets are good at one thing, it’s reminding investors that stock prices don’t simply go up, uninterrupted, forever. Markets do drop.  That’s an unavoidable part of investing.  What matters is how you respond.  Or, more to the point, don’t respond.  Because if you’ve built a portfolio […]

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Tax Prep: 6 Ways to Get a Head Start on Tax Season

Tax filing season may be months away, but it’s never too early to get organized.  Consider taking these simple steps to prepare before the end of the year – and potentially minimize your tax bill. Double-check your withholding and estimated tax payments: With the recent tax law changes from the […]

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Retirement Planning: Are You Doing the Right Things?

When people ask me whether they are on track for retirement I believe what they’re really looking for is reassurance.  But as much as I’d like to be able to tell you for sure whether you have enough to retire comfortably, the truth is that one can’t […]

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Do You Have the Right Investments?

The answer has less to do with finding the single perfect stock or mutual fund.  In fact, the key to this question is changing your idea of what the “right” investment really is. Very likely, many people who ask this question believe that there is one “right” […]

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Behavioral Finance Quiz: This Is Your Brain on Money

The human brain is not a rational economic actor. When faced with uncertainty, even the best investing minds may throw good money after bad, sell at the first sign of trouble or make all manner of muddled financial decisions. These flaws in our everyday decision-making, first chronicled […]

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8 Behavioral Biases That May Hurt Your Investments

Do you feel the pain of loss more than the joy of gains? How to separate emotions from investing. It’s not unusual for investors to sense a tug-of-war between their analytical brains and their emotions.  Until fairly recently, investing was considered purely logical.  Find the right quantitative strategy […]

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Analyzing Your Tax Return

Another tax season is upon us.  Many people tuck their tax return and supporting documents into a folder and hand it all over to their accountants without taking a closer look.  And even investors who complete their own tax returns using tax-preparation software often plug the relevant information […]

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Staib Financial Planning, LLC strives to make meeting with us convenient and easy. We offer many locations around the Denver area other than our main office, serving Highlands Ranch, Lone Tree, Centennial, Littleton, Parker, Aurora, Denver and surrounding communities.

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