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Articles by Jeff Rose

Jeff RoseJeff Rose, CFP is the owner of Good Financial Cents, a Financial Planning and Investment Blog by a Certified Financial Planner with a goal of helping you make "Cents" of your investments.

Five Strategies to Help You Become an Economic Survivor

April 20th, 2010

Figuring out what’s happening in the U.S. economy isn’t always easy. Although many economists believe that the worst elements of the economic recession are behind us, there are many areas, notably employment, that have yet to stabilize. But adopting the right mindset and following a few common-sense rules may help you survive regardless of short-term
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Will You Work Past Your Normal Retirement Age?

April 19th, 2010

Working past normal retirement age is not unusual. According to the Social Security Administration, 28% of individuals between the ages of 70 and 74 reported income from earnings in 2006, the latest year data are available. Among a younger age group, those between 65 and 69, approximately 46% had income from a job. Some remain
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Warning Signs You Need to Fire Your Financial Advisor

April 16th, 2010

You’ve been working with a financial advisor for some time now, but now you’re starting to have doubts that you hired the right person for the job (Hopefully, you did a background check on them first).  Is that financial planner more interested in helping you achieve your financial dream or just trying to sell you something? Too
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What To Bring to a Tax Accountant To File Your Taxes

April 14th, 2010

Tax time is here again and this is the year that you don’t wait till the last minute to file your taxes, right?…..Right? Remember what happens when you don’t file your taxes or file late?  If it has become a burdensome chore trying to file your own taxes, it might be time to hire a tax
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My Employer Changed 401k Providers, Now What?

March 30th, 2010

Occasionally, I have had people inquire to me about what happens when their company changes 401(k) providers. Usually when such an event occurs, there is a lot of confusion and uncertainty about what is going to happen with their money. To prevent you from making any ill advised decisions, please read more. It Might Not
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What Happen To My Pension If My Company Goes Bankrupt?

March 9th, 2010

If you work for a company that has a pension, should you be worried?  What protections do you have? Will all the money you have been paying into your retirement just be gone?  Not too long ago, auto giant General Motors and electronic leader Circuit City filed for bankruptcy leaving many wondering “What happens to their
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Five Things You Don’t Want to Hear From Your Financial Planner

February 26th, 2010

Retirement is just around the corner.  You think you’ve saved enough; but with the recent market drop, you are just not sure. Your retirement accounts have taken drastic blows and now you’re in doubt if you will ever retire. You decide it’s time to sit down with a Certified Financial PlannerTM to see if you
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How To File a Complaint Against Your Broker

February 24th, 2010

Big losses have left investors infuriated. Not sure of whom to blame, some have pointed fingers at their financial advisors. Either citing that their advisors ignored their instructions or, more importantly; disregarded their risk tolerance. The result of this has seen arbitration cases against brokers up 110% in 2008. Filing for arbitration is not end
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What are Deferred Compensation Plans?

February 22nd, 2010

In recent years, the use of Deferred Compensation Plans has grown considerably. This is largely due to the current job market — employers are looking for new ways to appeal to and retain skilled employees. Looking at new ways to approach employee benefits is one way to work toward accomplishing that.  Make sure you read
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Required Minimum Distributions

February 15th, 2010

Remember the first day you put money into your retirement account? You have seen your retirement account grow over the years and you have been blessed because you have never had to tap into it. Now the grandkids are your new focus and you have decided to just pass it on them since you will
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