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October 2024: Put a Little Love in Your Heart Thumbnail

October 2024: Put a Little Love in Your Heart

The holiday season is just around the corner, and so the season of giving will soon be upon us. The understanding that 'charity begins at home' imparts a gentle reminder that we should all consider helping those less fortunate. Like Jackie DeShannon sang nearly 55 years ago, “think of your fellow man, lend him a helping hand, put a little love in your heart. And the world will be a better place, for you and me, you just wait and see.”

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July 2024: The Times They Are A-Changin' Thumbnail

July 2024: The Times They Are A-Changin'

The summer of 2024 is here, and the commotion you see on the near horizon is this year's election season, almost upon us. I am reminded of the old French saying, which loosely translates to, “The more things change, the more they stay the same.” Need proof? Think of the words to Bob Dylan’s song from nearly 60 years ago, where he sang, “Come senators, congressmen, please heed the call. Don't stand in the doorway, don't block up the hall. For he that gets hurt will be he who has stalled. The battle outside ragin' will soon shake your windows and rattle your walls, for the times they are a-changin'”.

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January 2024 Newsletter: Feeling Good Thumbnail

January 2024 Newsletter: Feeling Good

The arrival of the new year brings with it a sense of change, of new vistas to explore and new friends to meet. It is a time of optimism and renewal, a time to look forward with a sense of hope. In the song Feeling Good by Nina Simone, she sings, “Birds flying high, you know how I feel. Sun in the sky, you know how I feel. Breeze driftin’ on by, you know how I feel. It’s a new dawn, it’s a new day, it’s a new life for me”.

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Prosperity Wealth Planning 2023 Year in Review Thumbnail

Prosperity Wealth Planning 2023 Year in Review

It is hard to believe that another year has already come and gone! It feels like just yesterday, Prosperity Wealth Planning was preparing our 2023 calendar and determining how we would be spending the coming twelve months. And now, with the year nearly behind us, it seems like a good time to look back and consider what we were able to accomplish this past year.

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October 2023 Newsletter: Right Now Thumbnail

October 2023 Newsletter: Right Now

One of the real challenges we experience comes from working to understand and then implement the complex investment and savings choices that exist in the world today. There are so many offered that it’s hard to keep track of what is out there sometimes. When I think about the concept of building a nest egg, one of my personal favorites, and one that has grown in popularity for a variety of reasons, is the Roth Account. Having your retirement savings made available tax-free is a great thing, and the Roth is like the “Golden Egg” when it comes to making that happen.

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July 2023 Newsletter: Taxman Thumbnail

July 2023 Newsletter: Taxman

When George Harrison wrote the song Taxman, he did so to protest a progressive income tax imposed in the United Kingdom which saw the Beatles, who were amongst the highest earners in the country, required to pay a whopping 95% “supertax.” This led to the lyric where they sing, "There's one for you, nineteen for me." Fortunately, the income taxes in our country (and many of the individual states) have not risen that high. However, it is always a good idea to be aware of what your tax liabilities are, and, more importantly, what you can do to legally minimize those costs.

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April 2023 Newsletter: Umbrella Thumbnail

April 2023 Newsletter: Umbrella

The stormy economic forecasts seem to mirror the very wet winter we experienced in California this year, which makes me think of the song Umbrella by Rihanna, where she sings, “...Now that it's raining more than ever, know that we'll still have each other. You can stand under my umbrella, you can stand under my umbrella”.

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October 2022 Newsletter: My List Thumbnail

October 2022 Newsletter: My List

It seems hard to believe it's October already and time to start planning for year end. As the winter season approaches, now may be a good opportunity to look back at what has happened during the past nine months and, more importantly, to begin to prepare for 2023. In the song My List, country singer Toby Keith talks about his to-do list, singing, "Under an old brass paperweight is my list of things to do today. Go to the bank and the hardware store, put a new lock on the cellar door. I cross 'em off as I get 'em done, but when the sun is set, there's still more than a few things left I haven't got to yet."

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July 2022 Newsletter: Don't Worry 'Bout a thing  Thumbnail

July 2022 Newsletter: Don't Worry 'Bout a thing

It seems hard to believe it's October already and time to start planning for year end. As the winter season approaches, now may be a good opportunity to look back at what has happened during the past nine months and, more importantly, to begin to prepare for 2023. In the song My List, country singer Toby Keith talks about his to-do list, singing, "Under an old brass paperweight is my list of things to do today. Go to the bank and the hardware store, put a new lock on the cellar door. I cross 'em off as I get 'em done, but when the sun is set, there's still more than a few things left I haven't got to yet."

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April 2022 Newsletter: You Can't Always Get What You Want Thumbnail

April 2022 Newsletter: You Can't Always Get What You Want

When the Rolling Stones sang, "You can't always get what you want, but if you try sometimes, well, you just might find, you get what you need," they described our personal search for acquiring more. With those lyrics in mind, let's dedicate this edition of the Prosperity Wealth Planning newsletter to Spending and some of the issues that can affect our unique buying habits.

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January 2022 Newsletter: It's My Life Thumbnail

January 2022 Newsletter: It's My Life

The holidays are behind us, and I hope everyone reading this had a wonderful time with friends and family over the past couple of weeks. For many of us, the arrival of the new year is accompanied by a reflection of the past and a desire to look forward, with a renewed interest in setting goals for the coming year. In the song, It's My Life, Jon Bon Jovi's thoughts on goal-setting remind us that "Tomorrow's getting harder, make no mistake. Luck ain't even lucky, got to make your own breaks… It's my life, and it's now or never."

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November 2021 Newsletter: Choose Your Own Ground Thumbnail

November 2021 Newsletter: Choose Your Own Ground

In the Pink Floyd song, Breathe, the listener is encouraged to, “Breathe, breathe in the air, don’t be afraid to care. Leave, don’t leave me. Look around, choose your own ground.” Most of us strive to build a life that allows us to live comfortably and leave something behind for our families and friends when we’ve left. Determining the most appropriate and meaningful way to pass your legacy on to the next generation is often fraught with challenges, especially when it comes to navigating the legal choices that come with estate planning.

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September 2021 Newsletter: My Wish Thumbnail

September 2021 Newsletter: My Wish

In the song My Wish, Rascal Flatts gives voice to the thoughts many parents have this time of year when watching a child heading off to that first day of school: “But more than anything, my wish, for you, is that this life becomes all that you want it to. Your dreams stay big, your worries stay small, you never need to carry more than you can hold. And while you're out there getting where you're getting to, I hope you know somebody loves you and wants the same things too.” For parents of college-bound children, there is a feeling of pride in what their child has accomplished to get to this point, tempered by a mix of concerns: Is he/she ready to be on their own?

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July 2021 Newsletter: I Lived Thumbnail

July 2021 Newsletter: I Lived

Living life to the fullest takes on different meanings for different people. For some, it may mean white-sand beaches, majestic peaks, or treks to remote areas across the world. For others, it’s spending more time with friends and family, or possibly buying that cabin on the lake, or touring the country in an RV.

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May 2021 Newsletter: When I'm 64 Thumbnail

May 2021 Newsletter: When I'm 64

Financial planning is vital at every stage of life. When you are young and just starting out, the goal may simply be to cover monthly expenses, get out of debt, and save for the future. As you get older and your financial life becomes more complicated (think of juggling saving for your kids’ education costs while saving for your own retirement),

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