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# Living Legacy

Financial and Insurance Services

## Sitemaps

- [XML Sitemap](https://livinglegacyllc.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Inflation, Costs, and Fear of Rising Prices | June 2026](https://livinglegacyllc.com/inflation-costs-and-fear-of-rising-prices-june-2026/)
- [Inflation, Costs, and Fear of Rising Prices](https://livinglegacyllc.com/inflation-costs-and-fear-of-rising-prices/)
- [Significant Changes to Parent PLUS Loans](https://livinglegacyllc.com/significant-changes-to-parent-plus-loans/)
- [The Perils of Prediction](https://livinglegacyllc.com/the-perils-of-prediction/)
- [Inflation Up, Rates Up](https://livinglegacyllc.com/inflation-up-rates-up-2/)
- [Leveraged to the Hilt](https://livinglegacyllc.com/leveraged-to-the-hilt/)
- [Inflation Up, Rates Up | June 2026](https://livinglegacyllc.com/inflation-up-rates-up/)
- [If You Love What You Do, Why Should You Make Plans to Leave? | May 2026](https://livinglegacyllc.com/if-you-love-what-you-do-why-should-you-make-plans-to-leave-may-2026/) - This article discusses why Exit Planning is still important for owners who love to work. Many business owners love the companies they've founded, whether it's because of the work they do, the changes they effect, the money their companies provide, or something else. When you carve out a comfort zone within your business, you might
- [If You Love What You Do, Why Make Plans to Leave?](https://livinglegacyllc.com/if-you-love-what-you-do-why-make-plans-to-leave/) - This article discusses why Exit Planning is still important for owners who love to work. Many business owners love the companies they’ve founded, whether it’s because of the work they do, the changes they effect, the money their companies provide, or something else. When you carve out a comfort zone within your business, you
- [Weekly VC Research: Where Capital is Moving and Where it May Break](https://livinglegacyllc.com/weekly-vc-research-where-capital-is-moving-and-where-it-may-break/) - The venture capital market delivered a historically anomalous quarter in Q1 2026. Global startup funding reached approximately $300 billion across 6,000 companies, representing a 150 percent increase year over year. Early-stage funding alone totaled $41.3 billion across 1,800 deals, while 47 companies achieved unicorn status in a single quarter, placing 2026 on track for
- [Legal Considerations for Small Businesses](https://livinglegacyllc.com/legal-considerations-for-small-businesses/) - Data Breach Response Plan Cybersecurity is not just a big business issue. Small businesses are often targets, and having a data breach response plan in place is both smart and legally necessary in many states. Your plan should: Define team roles Outline steps to contain and investigate a breach Include clear guidelines for notifying
- [Debt and Politics | May 2026](https://livinglegacyllc.com/debt-and-politics-may-2026/) - Looking ahead to the November elections, one headline that is bound to surface is the national debt. According to the Peterson Foundation, the U.S. debt figure will pass $40 trillion by November, and is now growing by roughly a trillion dollars every five months. Last month, the Congressional Budget Office estimated that this year's balance
- [Finding Talent in a Tight Labor Market | April 2026](https://livinglegacyllc.com/finding-talent-in-a-tight-labor-market-april-2026/)
- [Live for Today and Plan for Tomorrow | April 2026](https://livinglegacyllc.com/live-for-today-and-plan-for-tomorrow/) - Is the United States in a recession, and we just don’t know it? By the time a recession has been declared by the National Bureau of Economic Research, it may already be over. NBER, as it is called by economists, defines a recession as a significant decline in economic activity (the gross domestic product) that
- [What Could Go Wrong? Avoiding Retirement Disaster By Using Inverted Thinking | March 2026](https://livinglegacyllc.com/what-could-go-wrong-avoiding-retirement-disaster-by-using-inverted-thinking-march-2026/)
- [A Big Beautiful Bill: 10 Opportunities to Know | November 2025](https://livinglegacyllc.com/a-big-beautiful-bill-10-opportunities-to-know/)
- [What Does Your Exit Map Look Like? | December 2025](https://livinglegacyllc.com/what-does-your-exit-map-look-like/)
- [Costly Legal Myths | February 2026](https://livinglegacyllc.com/costly-legal-myths/)
- [Why Bonds Can Make Sense in a Diversified Portfolio](https://livinglegacyllc.com/why-bonds-can-make-sense-in-a-diversified-portfolio/)
- [Key Financial Data for 2026 | Living Legacy](https://livinglegacyllc.com/key-financial-data-for-2026-living-legacy/)
- [The ALTS Hype Machine | February 2026](https://livinglegacyllc.com/the-alts-hype-machine-february-2026/)
- [Dealing With Complex Co-Ownership Setups | January 2026](https://livinglegacyllc.com/dealing-with-complex-co-ownership-setups-january-2026/)
- [When Tenants Stop Paying | January 2026](https://livinglegacyllc.com/when-tenants-stop-paying-january-2026/)
- [Consistency Matters | December 2025](https://livinglegacyllc.com/consistency-matters-december-2025/)
- [Market Noise | November 2025](https://livinglegacyllc.com/market-noise-november-2025/)
- [Power-Hungry Crypto & AI | October 2025](https://livinglegacyllc.com/power-hungry-crypto-ai-october-2025/)
- [Our Moderation Economy | September 2025](https://livinglegacyllc.com/our-moderation-economy-september-2025/)
- [What Are You Doing After Work? | August 2025](https://livinglegacyllc.com/what-are-you-doing-after-work-august-2025/)
- [Dollar Doldrums | August 2025](https://livinglegacyllc.com/dollar-doldrums-august-2025/)
- [Defeating Boredom in Retirement | July 2025](https://livinglegacyllc.com/defeating-boredom-in-retirement-july-2025/)
- [What to Know About the New Tax Law](https://livinglegacyllc.com/what-to-know-about-the-new-tax-law/)
- [Alarm At The Fed | July 2025](https://livinglegacyllc.com/alarm-at-the-fed-july-2025/)
- [Of Mice and Men: Planning for Career Uncertainty](https://livinglegacyllc.com/of-mice-and-men-planning-for-career-uncertainty/)
- [Four Good Questions to Ask Yourself | June 2025](https://livinglegacyllc.com/four-good-questions-to-ask-yourself-june-2025/)
- [The House Tax Bill Provisions | June 2025](https://livinglegacyllc.com/the-house-tax-bill-provisions/)
- [More Time Than You Might Think: Life Expectancy and Retirement Planning](https://livinglegacyllc.com/more-time-than-you-might-think-life-expectancy-and-retirement-planning/)
- [Avoiding the Biggest Cost of All: Being Human](https://livinglegacyllc.com/avoiding-the-biggest-cost-of-all-being-human/)
- [Selecting Your Exit Goals | May 2025](https://livinglegacyllc.com/selecting-your-exit-goals-may-2025/)
- [The Next Tax Bill Is Coming | May 2025](https://livinglegacyllc.com/the-next-tax-bill-is-coming-may-2025/)
- [How To Deal With Unexpected Change | April 2025](https://livinglegacyllc.com/how-to-deal-with-unexpected-change/)
- [Three Difficult Principles of Diversification](https://livinglegacyllc.com/three-difficult-principles-of-diversification-april-2025/)
- [Scaling Up: Mastering The Rockefeller Habits](https://livinglegacyllc.com/scaling-up-mastering-the-rockefeller-habits/)
- [Turning Losses to Your Gain | April 2025](https://livinglegacyllc.com/turning-losses-to-your-gain-april-2025/)
- [Where Do You Find Time for Planning? | March 2025](https://livinglegacyllc.com/where-do-you-find-time-for-planning-march-2025/)
- [Retirement Income Stability | March 2025](https://livinglegacyllc.com/retirement-income-stability-march-2025/)
- [Treasury says it won’t enforce BOI fines or penalties against U.S. citizens, businesses](https://livinglegacyllc.com/treasury-wont-enforce-boi-fines-penalties/)
- [DeepSeek Disruption | February 2025](https://livinglegacyllc.com/deepseek-disruption/)
- [Is AI Making it Easier for Workers to Cheat? | January 2025](https://livinglegacyllc.com/is-ai-making-it-easier-for-workers-to-cheat/)
- [Ready or Not: Why Planning Now Beats Planning Procrastination | February 2025](https://livinglegacyllc.com/why-planning-now-beats-planning-procrastination/)
- [Animal Spirits and the Short-Term Behavior of the Market](https://livinglegacyllc.com/animal-spirits-and-the-short-term-behavior-of-the-market/)
- [4 Reasons Why Planning For a Successful Future Isn't DIY | January 2025](https://livinglegacyllc.com/4-reasons-why-planning-for-a-successful-future-isnt-diy-january-2025/)
- [Buying Vs. Leasing - The Company Facility | December 2024](https://livinglegacyllc.com/buying-vs-leasing-the-company-facility/)
- [Corporate Transparency Act Impending Deadline | November 2024](https://livinglegacyllc.com/corporate-transparency-act-impending-deadline/)
- [Preparing the Next Generation of Your Business | October 2024](https://livinglegacyllc.com/preparing-the-next-generation-of-your-business/)
- [Building a Bridge to Your Successful Future | September 2024](https://livinglegacyllc.com/building-a-bridge-to-your-successful-future-september-2024/) - Learn how can you minimize the time you need to achieve success while still maintaining control of a successful future on your terms.
- [Booming Gold, The PE Takeover, 2024 Third Quarter Investment Report | November 2024](https://livinglegacyllc.com/booming-gold-the-pe-takeover-2024-third-quarter-investment-report/)
- [Post Election Perspectives for Your Investment Strategy](https://livinglegacyllc.com/post-election-perspectives-for-your-investment-strategy/)
- [Live for Today and Plan for Tomorrow | December 2024](https://livinglegacyllc.com/live-for-today-and-plan-for-tomorrow-december/)
- [Unrealized Gains Tax: One Important Thing to Know Now](https://livinglegacyllc.com/unrealized-gains-tax-one-important-thing-to-know-now/)
- [The Importance of Keeping Focus on the Things YOU Control](https://livinglegacyllc.com/the-importance-of-keeping-focus-on-the-things-you-control/)
- [The Not-Newly Hired](https://livinglegacyllc.com/the-not-newly-hired/) - Let's read about the decline in new hires into the U.S. economy—statistics that sent the markets into two different one-day panics last month.
- [Savings Rates at a Low](https://livinglegacyllc.com/savings-rates-at-a-low/) - Learn about one alarming statistic that has gone somewhat unnoticed in the past year: the decline in the personal savings rate of U.S. households
- [Food Inflation](https://livinglegacyllc.com/food-inflation/) - There's no question that food costs have risen over time. Discover how the food prices have become a political issue in this election cycle.
- [Food Inflation, Savings Rates At A Low, The Not-Newly Hired | October 2024](https://livinglegacyllc.com/food-inflation-savings-rates-at-a-low-the-not-newly-hired-october-2024/) - Learn all you need to know about Food Inflation, Savings Rates At A Low, & The Not-Newly-Hired in the October 2024 Living Legacy Newsletter.
- [1971: The Beginning of a New Way to Invest, Based on Science](https://livinglegacyllc.com/1971-the-beginning-of-a-new-way-to-invest-based-on-science/) - Discover the major differences between Investing now compared to say, 1971 when investment options were limited, opaque, and expensive.
- [What You Should Know About the Dow](https://livinglegacyllc.com/what-you-should-know-about-the-dow/) - Learn about the milestone achieved by The Dow Jones Industrial Average and how at best, an imperfect barometer of stock market activity.
- [More than Money: How Four Key Traits Enable Retirement Success](https://livinglegacyllc.com/how-four-key-traits-enable-retirement-success/) - Learn about the study used to identify the kinds of personality traits that are found in people who successfully save for retirement.
- [New Population Realities, The Exceptional American Economy, Growth Numbers, Inherited IRA Distribution Rules | September 2024](https://livinglegacyllc.com/new-population-realities-the-exceptional-american-economy-growth-numbers-inherited-ira-distribution-rules-september-2024/) - Learn all you need to know about New Population Realities, The Exceptional American Economy, Growth Numbers, & Inherited IRA Distribution Rules.
- [Inherited IRA Distribution Rules](https://livinglegacyllc.com/inherited-ira-distribution-rules/) - Read more about how there was once a time, back before 2020, when the rules covering people who inherited traditional IRA accounts were simple.
- [Growth Numbers](https://livinglegacyllc.com/growth-numbers/) - Discover how the news this week is the U.S. economy grew at a 2.8% annualized pace in the second quarter, basically a continuation of two years of solid.
- [The Exceptional American Economy](https://livinglegacyllc.com/the-exceptional-american-economy/) - Read how we remember the good old days when the U.S. economy was growing at a 2.5% clip, and when it accounted for 80% of the global economy’s growth.
- [New Population Realities](https://livinglegacyllc.com/new-population-realities/) - Discover how the World Population Prospects 2024 report shows some interesting and sometimes alarming statistics.
- [How Much Impact Does the President Have on Stocks?](https://livinglegacyllc.com/how-much-impact-does-the-president-have-on-stocks/) - Discover how the anticipation building up to elections often brings with it questions about how financial markets will respond and much more.
- [The Immediate Benefits of Long-Term Planning | August 2024](https://livinglegacyllc.com/the-immediate-benefits-of-long-term-planning-august-2024/) - Learn how a strong planning can help you achieve success in your business career with a few strategies that may help strengthen your business right now.
- [When “Hot” Investments Generate Their Own Short-Term Gains](https://livinglegacyllc.com/when-hot-investments-generate-their-own-short-term-gains/) - Discover how repeated analysis has shown that the most consistent and reliable returns are from a diverse portfolio over the long term.
- [Here’s Why You Should Invest in All the Sectors, Not Just One](https://livinglegacyllc.com/invest-in-all-sectors-not-just-one/) - Learn about sectors and how they represent groups of companies that make similar products or offer comparable services.
- [Small Value Roars Back](https://livinglegacyllc.com/small-value-roars-back/) - At the risk of sounding like a rooster taking credit for the dawn, learn why I feel that July’s US small cap value resurgence was a welcome development.
- [Inflation's Tie To Interest Rates, Private Equity & Your Health, & American' Declining Financial Health | August 2024](https://livinglegacyllc.com/inflations-tie-to-interest-rates-private-equity-your-health-august-2024/) - Discover inflation's tie to interest rates, private equity & your health, americans' declining financial health, older cars & thriftier drivers, and more.
- [Inflation’s Tie to Interest Rates](https://livinglegacyllc.com/inflations-tie-to-interest-rates/) - Discover how Inflation impacts all of us in a number of ways, not just in a steady rise in the prices of the things we buy every day
- [Americans’ Declining Financial Health](https://livinglegacyllc.com/americans-declining-financial-health/) - Learn more about U.S. is experiencing a new epidemic: bankruptcies where filings are up 28% from this time last year, for a total of 45,592 in the past 12 mo.
- [Private Equity and Your Health](https://livinglegacyllc.com/private-equity-and-your-health/) - Discover why we’re starting to see private equity firms make short-term investments in companies all across the American business ecosystem.
- [Older Cars, Thriftier Drivers](https://livinglegacyllc.com/older-cars-thriftier-drivers/) - Learn more about the two kinds of car owners in this world: people who buy a new car every few years, & people drive their older cars until it dies.
- [2024 Second Quarter Investment Report](https://livinglegacyllc.com/2024-second-quarter-investment-report/) - Learn how the U.S. & global equity markets keep generating positive returns for investors & the recession keeps being moved back by the market pundits.
- [Why It’s Good to Think About Investing as the Cost of Capital](https://livinglegacyllc.com/investing-as-the-cost-of-capital/) - Learn how the market was created as an efficient way to provide capital for business and why it’s good to think about investing as the cost of capital.
- [Reducing Taxes Via Exit Planning | July 2024](https://livinglegacyllc.com/reducing-taxes-via-exit-planning-july-2024/) - Discover how with exit planning it’s possible to reduce your tax burden and reap the most out of a business sale.
- [How Will Congress Fix Social Security?](https://livinglegacyllc.com/how-will-congress-fix-social-security/) - Discover what congress plan is to fix the issues arising with social security and the challenges that will be faced.
- [State Tax Rates in Context & How Will Congress Fix Social Security? | July 2024](https://livinglegacyllc.com/state-tax-rates-in-context-how-will-congress-fix-social-security-july-2024/) - Discover which states have the lowest tax rates compared to income as well as Congress plan for the future of Social Security.
- [State Tax Rates in Context](https://livinglegacyllc.com/state-tax-rates-in-context/) - Discover the state tax rates in context to the average pay rates for those areas and how people are reacting to this when looking at places to live.
- [Why You Shouldn't Do Everything | June 2024](https://livinglegacyllc.com/why-you-shouldnt-do-everything/) - Discover the pitfalls of trying to accomplish everything on your own like: The Snowball Effect, Concrete Consequences & Avoiding Burnout
- [Homeownership Costs in the U.S. Jumped 26% Since Pandemic Began](https://livinglegacyllc.com/homeownership-costs-in-the-us-jumped-26-percent-since-pandemic-began/) - Discover how expenses including taxes, insurance and utilities all soared during a period of high inflation across the economy since the pandemic began.
- [One of the Most Important Factors in Retirement Planning Is Something Almost Nobody Wants to Talk About](https://livinglegacyllc.com/one-of-the-most-important-factors-in-retirement-planning-is-something-almost-nobody-wants-to-talk-about/) - Discover how you can best calculate your estimated longevity so you can effectively plan for a retirement where your money doesn’t run out.
- [Inflation Abroad](https://livinglegacyllc.com/inflation-abroad/)
- [The Eternal Race Between Wages and Inflation](https://livinglegacyllc.com/eternal-race-between-wages-inflation/) - Learn more about the constant tug-of-war between wages and inflation and why wages often lag behind the rise of inflation costs.
- [Inflation Abroad & The Eternal Race Between Wages & Inflations | June 2024](https://livinglegacyllc.com/june-2024/) - Discover the how the rest of the world is dealing with increasing inflation as well as how the eternal race between wages & inflation continues
- [No More Non-Competes & What's Your Plan When Plans Change | May 2024](https://livinglegacyllc.com/no-more-non-competes-whats-your-plan-when-plans-change/) - Discover the end of non-compete agreements and What you should do if the plans you made are not working. Look into how exit planning can help you adjust.
- [No More Non-Competes](https://livinglegacyllc.com/no-more-non-competes/) - Banning non-compete agreements has upended one of the most common aspects of executive employment. Discover everything covered by this & who is affected.
- [What's Your Plan When Plans Change?](https://livinglegacyllc.com/whats-your-plan-when-plans-change/) - Banning non-compete agreements has upended one of the most common aspects of executive employment. Discover everything covered by this & who is affected.
- [Profits and More Profits](https://livinglegacyllc.com/profits-and-more-profits/) - It isn’t being widely reported, but aggregate U.S. corporate profits reached record levels in the 4th quarter of last year. Read more about profiles levels.
- [Green Book Wish List](https://livinglegacyllc.com/green-book-wish-list/) - Discover more about 'green books', a set of tax-related proposals, that can offer a hint as to what kind of proposals are coming into or through Congress.
- [2024 First Quarter Investment Report](https://livinglegacyllc.com/2024-first-quarter-investment-report/) - Nobody gets a totally smooth ride on the investing roller coaster, and we all know what happens on the rides after your car climbs up a long summit. Read More
- [AI: Many. Humans: Still One,What Does The Realtor Settlement Mean for Us, Wars and Markets | May 2024](https://livinglegacyllc.com/may-2024/) - Discover the result of the emergence of AI, What the Realtor Settlement could mean for you and market tension due to current wars happening world wide.
- [AI: Many.  Humans: Still One](https://livinglegacyllc.com/ai-many-yet-humans-still-one/) - Artificial intelligence (AI) has come a long way in mastering complex games, from chess to Go. Find out where humans still reign supreme.
- [What Does the Realtor Settlement Mean for Us?](https://livinglegacyllc.com/what-does-the-realtor-settlement-mean-for-us/) - Big win for home sellers? Real estate commission fees to drop, but is it all sunshine? Learn about all of the details & the future for realtors.
- [Wars and Markets](https://livinglegacyllc.com/wars-and-markets/) - War and stocks: How do global conflicts impact investments? Learn what history tells us.
- [Strive for Antifragile, Accept Resilient, and Don’t Rely on Crowd-Funding | April 2024](https://livinglegacyllc.com/strive-for-antifragile-accept-resilient-dont-rely-on-crowd-funding/) - Discover how you can avoid having your finances be fragile and rather, strive to have them be antifragile. Learn how to do this and not rely of crowd funding!
- [Strive for Antifragile, Accept Resilient, And Don't Rely on Crowd-Funding | April 2024](https://livinglegacyllc.com/strive-for-antifragile-accept-resilient-and-dont-rely-on-crowd-funding/)
- [Ignorance Isn't Bliss: Professional Business Valuations | March 2024](https://livinglegacyllc.com/ignorance-isnt-bliss-professional-business-valuations/) - A professional business valuation goes beyond simply providing a number and there are some critical element to consider. Learn what these are today!
- [Working Past Retirement Age Has Advantages, but Statistics Show You Can’t Count on It Happening](https://livinglegacyllc.com/working-past-retirement-age-has-advantages/) - Discover the advantages to working past the typical retirement age and how there can also be major downsides to planning on working past the retirement.
- [The Newly-Passed Secure Act 2.0](https://livinglegacyllc.com/the-newly-passed-secure-act-2-0/) - In the waning days of 2022, Congress passed something called the Consolidated Appropriations Act of 2023. A lot that is in this act & here is what it means
- [2022 Investment Report](https://livinglegacyllc.com/2022-investment-report/) - In this 2022 Investment Report we look at what happened in the stock market in 2022 and what that can tell us about the future of 2023. View the report here.
- [Financial Trends in Oil, Stock, and Home Prices Analyzed](https://livinglegacyllc.com/financial-trends-in-oil-stock-and-home-prices-analyzed/) - In this article we take a look at key aspects of the economy and thier pricing trends to give guidance on what is ahead. View the trends & insight here.
- [What to Store With Your Estate Planning Documents](https://livinglegacyllc.com/what-to-store-with-your-estate-planning-documents/) - Keeping track of your estate planning documents is a difficult but important task. You also need to store things like real estate, banking & other types of docs
- [Why to Rediscover Budgeting in Retirement](https://livinglegacyllc.com/why-to-rediscover-budgeting-in-retirement/) - When you leave work, you also leave behind the paycheck. That is why in retirement budgeting is more important than ever. Learn why & how to budget here.
- [The Declining Quality of Corporate Earnings](https://livinglegacyllc.com/the-declining-quality-of-corporate-earnings/) - In general corporate earnings are down for many companies. Despite accountants trying to hide this in some cases it is starting to show up in earnings reports.
- [Volatile Gas Prices](https://livinglegacyllc.com/volatile-gas-prices/) - The reason for the price instability is that it’s very hard for producers and futures speculators to estimate how much demand there will be for oil
- [Bond Rate Apples to Apples](https://livinglegacyllc.com/bond-rate-apples-to-apples/) - The current bond market is quite complex. Here we unpack what is going on and what you need to know by looking at bond rates in an apple to apple comparison .
- [Backdoor Loophole for Roth IRA Contributions](https://livinglegacyllc.com/backdoor-loophole-for-roth-ira-contributions/) - The strategy is a workaround for high income individuals to contribute to a Roth IRA. Learn how to take advantage of this stretgey here.
- [2023 First Quarter Investment Report](https://livinglegacyllc.com/2023-first-quarter-investment-report/) - Were last year’s market losses an illusion? We’ve now experienced two consecutive quarters of healthy market gains. Get a Q1 2023 market update here.
- [Tax-Smart Charitable Giving](https://livinglegacyllc.com/tax-smart-charitable-giving/) - There are no clever strategies which make it profitable to give away money or assets, but there are ways to make donations less expensive on an after-tax basis.
- [Student Loan Forgiveness on the Docket](https://livinglegacyllc.com/student-loan-forgiveness-on-the-docket/) - You probably know that the Biden Administration’s student loan forgiveness plan has been tied up in the courts for months. Here is the current status.
- [Are IPO (Initial Public Offering) a Good Investment?](https://livinglegacyllc.com/are-ipo-initial-public-offering-a-good-investment/) - Learn about IPOs & if they are or are not a good investment. Most of the time they are marketed as a can't miss opportunity while that isn't often the case.
- [Investment Account Protections From Institutional Insolvency](https://livinglegacyllc.com/investment-account-protections-from-institutional-insolvency/) - Each bank account is insured up to $250,000 per regular bank account by the FDIC & SIPC’s coverage limits are higher with up to $500,000 per securities account.
- [What Cars Lose Their Value Slower](https://livinglegacyllc.com/what-cars-lose-their-value-slower/) - Buying a new car is not an investment. They are guaranteed to lose their value, but some lose their value slower than others. Learn more here.
- [How the U.S. Government Manages Debt](https://livinglegacyllc.com/how-the-u-s-government-manages-debt/) - Debt for the country vs debt for us individuals is completely different. The U.S. Government is approaching the debt ceiling. Find out what that means here.
- [Stock Market Turbulence Expected Ahead](https://livinglegacyllc.com/market-turbulence-ahead/) - On a flight your captain warns you when rough air is expected. Similar warnings about ‘rough air’ in the markets are helpful & this is a good time to offer one.
- [Working Hours Are Trending Up World Wide](https://livinglegacyllc.com/working-hours-are-trending-up-world-wide/) - Yearly working hours are trending up across most countries especially in the U.S. and Mexico. See the stats here for how many hours everyone is working.
- [Share Repurchasing Demand Going Down?](https://livinglegacyllc.com/share-repurchasing-demand-going-down/) - Without demand for stock the prices will go down. Which begs the question how much demand is there for stock and who is actually buying. Find out more here.
- [More Jobs U.S. Means a Healthy Economy](https://livinglegacyllc.com/more-jobs-u-s-means-a-healthy-economy/) - Arguably the clearest indication of the health of the U.S. economy is the monthly jobs report. Jobs are up so that means economy is doing well find out here.
- [Diminishing Stock Market](https://livinglegacyllc.com/diminishing-stock-market/) - Back in 1997, investors could choose from more than 8,000 companies listed on the various exchanges. Today, that number is just over 4,000. What’s going on?
- [Bond Complexities](https://livinglegacyllc.com/bond-complexities/) - On the surface, investing in bonds is pretty simple. Nothing complicated about that, right? Well not always. Learn how to effectively invest in bonds here.
- [2023 Second Quarter Investment Report](https://livinglegacyllc.com/2023-second-quarter-investment-report/) - The market gains in the second three months of year were stronger for larger stocks, but all sectors participated in the sunny investment climate. More here.
- [Spending in the Golden Years Report and Analysis](https://livinglegacyllc.com/spending-in-the-golden-years-report-and-analysis/) - We may have a plan for how we will send money in retirement, but how do people actually spend money during retirement? View the report and insight here.
- [Can You Predict a Recession?](https://livinglegacyllc.com/can-you-predict-a-recession/) - What if somebody could tell you the exact date when the next recession will begin, so you could get out of the market and wait it out. Wouldn’t that be great?
- [Why are Financial Forecast Often Faulty](https://livinglegacyllc.com/why-are-financial-forecast-often-faulty/) - Individuals with advanced economic degrees and economists try to predict where the market is going but are often wrong. Find out why here.
- [The True Cost of Actively Managed Investments](https://livinglegacyllc.com/the-true-cost-of-actively-managed-investments/) - Why do people keep handing their money over to active managers? Economist Moshe Levy weighs in with his published study in The Journal of Investing. Read More
- [2023 Investment Report](https://livinglegacyllc.com/2023-investment-report/) - Stock market defied recession fears in 2023! See how major indexes soared & which sectors led the rally. Learn what is to come in 2024 here.
- [Why More Companies are Private Resulting is Less Stock Available](https://livinglegacyllc.com/why-more-companies-are-private-resulting-is-less-stock-available/) - The number of publicly-traded stocks has fallen substantially, from more than 8,000 in 1996 to roughly 3,700 today. This is because more companies stay private.
- [What Can You Do with Leftover 529 College Savings?](https://livinglegacyllc.com/what-can-you-do-with-leftover-529-college-savings/) - If you have leftover college savings in a 529 plan you can either add them back to your estate and be taxed or transfer them to a Roth IRA and not be taxed.
- [China’s Economic Puzzle](https://livinglegacyllc.com/chinas-economic-puzzle/) - We’re all accustomed to thinking of China as the fastest-growing economy in the world, but recent events have had global investors rethinking that story.
- [How Your Psychology Affects Your Investing](https://livinglegacyllc.com/how-your-psychology-affects-your-investing/) - Your timeline, your tax strategy, your portfolio allocation, and your income goals are all things that can be analyzed and decided on using math. Read More
- [How Fed Funds Rate Affects Everything Else](https://livinglegacyllc.com/how-fed-funds-rate-affects-everything-else/) - When the fed increases or decreases funds rate that affects everything else like inflation rate, short-term interest rates, and more. Learn how it works here.
- [The Largest Cities in America](https://livinglegacyllc.com/the-largest-cities-in-america/) - Most think the largest cities are cities like New York, Los Angeles, Chicago, Boston etc. However by land size that isn't even close. Learn more here.
- [Exploring The Fed's Experience the Digital Dollar](https://livinglegacyllc.com/exploring-the-digital-dollar/) - The U.S. Fed is experimenting with a digital dollar, but this does that mean embracing bitcoin? Absolutely not. Learn why they aren't & what they are doing here
- [Buying International Stocks](https://livinglegacyllc.com/buying-international-stocks/) - If you are considering buying international stocks there are a few things you need to know. Learn what you should consider when investing internationally here.
- [The Bankruptcy Epidemic Surge in the U.S](https://livinglegacyllc.com/the-bankruptcy-epidemic-surge-in-the-u-s/) - If you’re looking for something to worry about, consider bankruptcies. We are seeing an uptick even though we aren't in a recession. Learn what is going on here
- [Housing Construction is in Decline](https://livinglegacyllc.com/housing-construction-is-in-decline/) - While developers seem to be dragging their feet a bit, there is evidence that demand for new homes is strong and getting more so. However the numbers are down.
- [Antifragile and Resilient Plan for Personal Finances](https://livinglegacyllc.com/antifragile-plan-for-personal-finances/) - Your financial plan should strive to be antifragile, resilient & not rely on crowdfunding. Learn more about this and how to find areas of a weak financial plan.
- [2023 Third Quarter Investment Report](https://livinglegacyllc.com/2023-third-quarter-investment-report/) - We give a insightful update to 2023's Quarter 3 stock market with things others aren't talking about like tax provisions in the Tax Cuts are due to revert back
- [Financial Opportunities in a Economic Downturn](https://livinglegacyllc.com/financial-opportunities-in-a-economic-downturn/) - When the market is down there are a few things you can take advantage of to help you build wealth. Learn about these opportunities here.
- [Monthly Market Commentary & Stock Market Update](https://livinglegacyllc.com/monthly-market-commentary-stock-market-update/) - Stock market down in October. Large cap stocks held up best, while bonds & small caps lagged. Rising rates & tensions a concern. Read the insights here.
- [Why to Not Exit the Stock Market at The Wrong Time](https://livinglegacyllc.com/why-to-not-exit-the-stock-market-at-the-wrong-time/) - We never recommend that you watch the market movements on a daily basis. The stock market will always go up and down and the only way to lose is to exit.
- [Charitable Contribution Complexity](https://livinglegacyllc.com/charitable-contribution-complexity/) - If you donate money to somebody in need, you can write off that gift on your tax returns, right? Well not always here is what you need to consider.
- [Next Year’s Tax Brackets for 2024](https://livinglegacyllc.com/next-years-tax-brackets-for-2024/) - The Internal Revenue Service has (finally!) released the tax brackets for 2024 and here they are, which are annually indexed for inflation. Learn more here.
- [Real End-of-Year Planning](https://livinglegacyllc.com/real-end-of-year-planning/) - You’ve probably seen many people talk about End-of-Year planning for your finances, but what are the truly important things that most of us should consider?
- [Good vs Bad Debt](https://livinglegacyllc.com/good-vs-bad-debt/) - Good debt is borrowing in order to enhance your future net worth or personal prospects. Bad debt is summed up into things you don't need. Learn more here.
- [What Does the U.S. Military Actually Spend?](https://livinglegacyllc.com/what-does-the-u-s-military-actually-spend/) - The common take that we read in the press is wrong. The percentage of the U.S. economy, defense spending has been declining, off and on, since the 1980s.
- [US Inflation Good News but Worrisome Trend](https://livinglegacyllc.com/inflations-good-and-bad-news/) - Right now the Fed is pretty happy where inflation is which is good news, but there might be more work to do to lower inflation to the 2% they prefer. Learn more
- [Covid Recovery The U.S. vs. The World](https://livinglegacyllc.com/covid-recovery-the-u-s-vs-the-world/) - The U.S. economic recovery since the recent pandemic is essentially a miracle. Learn about how the US economy is doing vs other countries here.
- [What Does It Mean When the Stock Market Reaches an All Time High](https://livinglegacyllc.com/what-does-it-mean-when-the-stock-market-reaches-an-all-time-high/) - The stock market has reached all-time highs. Does that mean the only option in down from here is there hope for more growth. Find out here.
- [The Purpose of Business Owner Exit Planning | November 2023](https://livinglegacyllc.com/bussiness-owner-newsletter-november-2023/) - Learn about the purpose of exit and contingency planning for business owners to not only protect you but everyone who relies on you in this article.
- [Planning For A Successful Future Can Seem Overwhelming | February 2024](https://livinglegacyllc.com/planning-for-a-successful-future-can-seem-overwhelming/) - How hard can exit planning really be? Can't I just do it on my own? If you are asking these questions read this first to know why you need a good exit plan.
- [Using Economic Data to Predict the Market? It’s a Waste of Time](https://livinglegacyllc.com/using-economic-data-to-predict-the-market/) - What lures so many investor into the belief that they will somehow "crack the code" and be successful at timing the market. Learn why this is usually true
- [How to Plan a Successful Exit from Business | June 2023](https://livinglegacyllc.com/june-2023-business-owners/) - Planning a successful exit from your business starts earlier than you think. Here are things to consider when planning your exit from your business.
- [How to Build an Advisor Team for Business Exit Planning | July 2023](https://livinglegacyllc.com/july-2023-business-owners/) - Every business is unique, so an exit plans need to be unique. This requires building a advisory team to be prepared for your exit. Here is how to create a team.
- [Can I Do Exit Planning on My Own? | January 2024](https://livinglegacyllc.com/bussiness-owner-newsletter-january-2024/) - How hard can exit planning really be? Can't I just do it on my own? If you are asking these questions read this first to know why you need a good exit plan.
- [What Business Owners that Don't Want to Retire Should Know | August 2023](https://livinglegacyllc.com/business-owner-newsletter-august/) - Are you a business owner who is nearing retirement, but is struggling with the thought of letting the business go? In this article we help you think through it.
- [How Peer Forums help Business Leader Loneliness | September 2023](https://livinglegacyllc.com/bussiness-owner-newsletter-september-2023/) - Being a business leader can be a lonely place however peer forums can help solve that problem by giving you peers to talk through problems and life with.
- [Tax Cuts & Jobs Act of 2017 Soon to Expire | October 2023](https://livinglegacyllc.com/bussiness-owner-newsletter-october-2023/) - The Tax Cut & Jobs Act of 2017 are due to revert back, after December 31, 2025. This will have a great effect on estate planning. Learn more about this act here
- [The Bankruptcy Epidemic Surge in the U.S | August 2023](https://livinglegacyllc.com/august-2023/) - Learn about the bankruptcy surge going on in the U.S. right now and how this affects your financial planning and investments overall in this newsletter.
- [Charitable Contribution Complexity & Stock Market Update | November 2023](https://livinglegacyllc.com/november-2023/) - If you donate money to somebody in need, you can write off that gift on your tax returns, right? Find answers about charitable contribution complexity here.
- [What Is the Market Thinking?](https://livinglegacyllc.com/what-is-the-market-thinking/) - If ever there was a time when we would expect a bearish plunge, it would be now with everything going on. However that isn't seeming to be the case.
- [How Do You Plan for a Future You Can’t Accurately Predict?](https://livinglegacyllc.com/how-do-you-plan-for-the-future/)
- [Stop Focusing On Daily Returns](https://livinglegacyllc.com/stop-focusing-on-daily-returns/) - Not only will focusing on daily returns likely drive you crazy, but doing so will hurt your long terms gains. Learn why you should focus on the long term.
- [Why We Tend to Trick Ourselves into Making Bad Trades](https://livinglegacyllc.com/tricking-ourselves-into-making-bad-trades/) - We can trick ourselves into making a bad choice for our investments if we aren't careful. We often do this because we want the short term gain. Learn more here.
- [The Subsidy Is Running Out: Why Cheap Urban Amenities Are Not So Cheap Anymore](https://livinglegacyllc.com/the-subsidy-is-running-out/) - Learn why the subsidy is running out and why cheap urban amenities aren't so cheap anymore here.
- [The Cost of Trying to Time the Market](https://livinglegacyllc.com/cost-of-trying-to-time-the-market/) - The impact of being out of the market for a short time can be profound. Here we explain how timing the market can cost you more then it will help you.
- [Banking Woes, Government Stabilization Efforts](https://livinglegacyllc.com/government-stabilization-efforts/) - Learn about the run on Silicon Valley Bank & how the Government Stabilization Efforts are working along with what this means for you here.
- [Bond Banking Aftershock](https://livinglegacyllc.com/bond-banking-aftershock/) - All the banking turmoil—both real and perceived—sent waves through the bond market. Learn about the aftershock of the bond market here.
- [Comparing Student Loan Programs: What option is best for you?](https://livinglegacyllc.com/comparing-student-loan-programs/) - There are many loan options to consider when choosing what student loan is best for you. Here we break down the differences and help you choose the best option
- [Do Declining Diesel Prices Predict a Recession?](https://livinglegacyllc.com/do-diesel-prices-predict-a-recession/) - People have identified trends in obscure predictors of a looming market correction. The latest predictor is diesel prices but is that correct? Find out here.
- [The Downside to Target Date Funds](https://livinglegacyllc.com/the-downside-to-target-date-funds/) - The appeal of “Set it and forget it” is why many people have chosen to invest in Target Date Funds (TDFs). However there are some cons you need to know about.
- [Methodology for Managing Cash Flow](https://livinglegacyllc.com/methodology-for-managing-cash-flow/)
- [Celebrating Groundbreaking Research with Giants of Finance](https://livinglegacyllc.com/groundbreaking-research-in-finance/) - In this article by Robert Novy-Marx he discusses and shares groundbreaking research in finance. View this article and learn more about the financial market.
- [SVB on the Run](https://livinglegacyllc.com/svb-on-the-run/)
- [Diamonds Found and Made](https://livinglegacyllc.com/diamonds-found-and-made/)
- [Silicon Valley Bank Failure and Your Evidence Based Portfolio](https://livinglegacyllc.com/silicon-valley-bank-failure-and-your-evidence-based-portfolio/)
- [Which Country Will Outperform? Here’s Why It Shouldn’t Matter.](https://livinglegacyllc.com/which-country-will-outperform-heres-why-it-shouldnt-matter/)
- [Exit Planning with Aaron Puttroff on the David King Podcast](https://livinglegacyllc.com/exit-planning-with-aaron-puttroff-on-the-david-king-podcast/)
- [As Much of 2022 That Fits on One Page](https://livinglegacyllc.com/as-much-of-2022-that-fits-on-one-page/)
- [Inverted Yield Curve: Recession Coming?](https://livinglegacyllc.com/inverted-yield-curve-recession-coming/)
- [Debt Ceiling Circus](https://livinglegacyllc.com/debt-ceiling-circus/)
- [Markets Don’t Wait for Official Announcements](https://livinglegacyllc.com/markets-dont-wait-for-official-announcements/)
- [The Risk in IPOs](https://livinglegacyllc.com/the-risk-in-ipos/)
- [Dividends and Harvesting Losses](https://livinglegacyllc.com/dividends-and-harvesting-losses/)
- [December 2022](https://livinglegacyllc.com/december-2022/) - We’re constantly hearing about investment returns and market movements in the consumer press—where yesterday’s returns are reported as news, even though history has conclusively shown that short-term market movements are nothing more than meaningless white noise.
- [Student Loan Update](https://livinglegacyllc.com/student-loan-update/)
- [I Retired During the Pandemic. Now Inflation Has Me Counting Pennies](https://livinglegacyllc.com/i-retired-during-the-pandemic-now-inflation-has-me-counting-pennies/)
- [Rewarding Recklessness: Teaching Young Investors to Take Serious Risks](https://livinglegacyllc.com/rewarding-recklessness-teaching-young-investors-to-take-serious-risks/)
- [FAANGs Gone Value](https://livinglegacyllc.com/faangs-gone-value/)
- [If They Can Predict the Weather, Why Not the Stock Market?](https://livinglegacyllc.com/if-they-can-predict-the-weather-why-not-the-stock-market/)
- [November 2022](https://livinglegacyllc.com/november-2022/)
- [October 2022](https://livinglegacyllc.com/october-2022/)
- [The Cure](https://livinglegacyllc.com/the-cure/)
- [September 2022](https://livinglegacyllc.com/september-2022/)
- [August 2022](https://livinglegacyllc.com/august-2022/)
- [Encouraging Jobs Report](https://livinglegacyllc.com/encouraging-jobs-report/)
- [The Big New Bill](https://livinglegacyllc.com/the-big-new-bill/)
- [The Difference Between a Forecast, a Wish, and a Worry](https://livinglegacyllc.com/the-difference-between-a-forecast-a-wish-and-a-worry/)
- [Recession Report](https://livinglegacyllc.com/recession-report/)
- [July 2022](https://livinglegacyllc.com/july-2022/)
- [Market Declines and Roth Conversion Opportunity](https://livinglegacyllc.com/market-declines-and-roth-conversion-opportunity/)
- [Most small business owners don’t do the math on their most valuable asset](https://livinglegacyllc.com/most-small-business-owners-dont-do-the-math-on-their-most-valuable-asset/)
- [The Fed and the Bear](https://livinglegacyllc.com/the-fed-and-the-bear/)
- [Beware the Hidden Costs of Indexing](https://livinglegacyllc.com/beware-the-hidden-costs-of-indexing/)
- [How Often Do Small Cap, Value, and High Profitability Outperform?](https://livinglegacyllc.com/how-often-do-small-cap-value-and-high-profitability-outperform/)
- [June 2022](https://livinglegacyllc.com/june-2022/) - In this issue we discuss U.S. Graduation rates then and now, Bear Anxiety, taking tax advantage, and individual disability insurance.
- [The Cost of Trying to Time the Market](https://livinglegacyllc.com/the-cost-of-trying-to-time-the-market/)
- [Should You Go To Cash Until The Market Recovers Or Ride It Out?](https://livinglegacyllc.com/should-you-go-to-cash-until-the-market-recovers-or-ride-it-out/)
- [May 2022](https://livinglegacyllc.com/may-2022/)
- [Do Rising Fed Funds Rates Cause Stocks to Fall?](https://livinglegacyllc.com/do-rising-fed-funds-rates-cause-stocks-to-fall/)
- [Have the Tech Giants Been DeFAANGed?](https://livinglegacyllc.com/have-the-tech-giants-been-defaanged/)
- [This Chart Speaks for Itself](https://livinglegacyllc.com/this-chart-speaks-for-itself/)
- [Why Investors Might Think Twice About Chasing the Biggest Stocks](https://livinglegacyllc.com/why-investors-might-think-twice-about-chasing-the-biggest-stocks/)
- [A Great Reminder](https://livinglegacyllc.com/a-great-reminder/)
- [Good days follow bad days: How to keep from missing the Market’s biggest returns](https://livinglegacyllc.com/good-days-follow-bad-days-how-to-keep-from-missing-the-markets-biggest-returns/)
- [Reflections on the Downturn](https://livinglegacyllc.com/reflections-on-the-downturn/)
- [April 2022](https://livinglegacyllc.com/april-2022/)
- [March 2022](https://livinglegacyllc.com/march-2022/)
- [When to view charts and graphs with healthy skepticism](https://livinglegacyllc.com/when-to-view-charts-and-graphs-with-healthy-skepticism/)
- [February 2022](https://livinglegacyllc.com/february-2022/)
- [A market correction does not mean a negative market year](https://livinglegacyllc.com/a-market-correction-does-not-mean-a-negative-market-year/)
- [The Crisis at Hand](https://livinglegacyllc.com/the-crisis-at-hand/)
- [War in Europe?](https://livinglegacyllc.com/war-in-europe/)
- [Retirees Spend a Lot of Time and Money to Buy Their ‘Forever Home.’Then They Sell It.](https://livinglegacyllc.com/retirees-spend-a-lot-of-time-and-money-to-buy-their-forever-home-then-they-sell-it/)
- [When it comes to investing biases, some are harder to overcome than others](https://livinglegacyllc.com/when-it-comes-to-investing-biases-some-are-harder-to-overcome-than-others/)
- [Puerto Rico Exits Bankruptcy](https://livinglegacyllc.com/puerto-rico-exits-bankruptcy/)
- [August 2021](https://livinglegacyllc.com/august-2021/)
- [September 2021](https://livinglegacyllc.com/september-2021/)
- [October 2021](https://livinglegacyllc.com/october-2021/)
- [November 2021](https://livinglegacyllc.com/november-2021/)
- [December 2021](https://livinglegacyllc.com/december-2021/)
- [January 2022](https://livinglegacyllc.com/january-2022/)
- [When the luck runs out: Why it's so hard for active fund managers to beat the market](https://livinglegacyllc.com/when-the-luck-runs-out-why-its-so-hard-for-active-fund-managers-to-beat-the-market/)
- [Bear or no Bear? Does it Matter?](https://livinglegacyllc.com/bear-or-no-bear-does-it-matter/)
- [Planning Is a Team Sport: Which Teammates Do You Need?](https://livinglegacyllc.com/planning-is-a-team-sport-which-teammates-do-you-need/)
- [The Importance of Reviewing Your Performace](https://livinglegacyllc.com/the-importance-of-reviewing-your-performace/)
- [Congress wants to kill the 'backdoor Roth IRA.' Here's what it means for you](https://livinglegacyllc.com/congress-wants-to-kill-the-backdoor-roth-ira-heres-what-it-means-for-you/)
- [Last-Minute Estate Tax Change](https://livinglegacyllc.com/last-minute-estate-tax-change/)
- [What's the difference between investing and speculating (and does it really matter)?](https://livinglegacyllc.com/whats-the-difference-between-investing-and-speculating-and-does-it-really-matter/)
- [QCDs to the Rescue](https://livinglegacyllc.com/qcds-to-the-rescue/)
- [New IRA Restrictions and Mandatory Distributions](https://livinglegacyllc.com/new-ira-restrictions-and-mandatory-distributions/)
- [Inflated COLA](https://livinglegacyllc.com/inflated-cola/)
- [What if We Don’t Raise the Debt Ceiling?](https://livinglegacyllc.com/what-if-we-dont-raise-the-debt-ceiling/)
- [Tax Proposal Consequences](https://livinglegacyllc.com/tax-proposal-consequences/)
- [Default in China?](https://livinglegacyllc.com/default-in-china/)
- [How Market Timing Destroys Wealth](https://livinglegacyllc.com/how-market-timing-destroys-wealth/)
- [Personal Finance as a Game](https://livinglegacyllc.com/personal-finance-as-a-game/)
- [We have $8 million saved for retirement, are in our early 50s and want to retire early, but are worried about healthcare expenses — what can we do?](https://livinglegacyllc.com/we-have-8-million-saved-for-retirement-are-in-our-early-50s-and-want-to-retire-early-but-are-worried-about-healthcare-expenses-what-can-we-do/)
- [Skip this movie: Why this year's top-performing stock is a good example of misguided speculation](https://livinglegacyllc.com/skip-this-movie-why-this-years-top-performing-stock-is-a-good-example-of-misguided-speculation/)
- [Where are they now? Creative destruction and a healthy economy](https://livinglegacyllc.com/where-are-they-now-creative-destruction-and-a-healthy-economy/)
- [A warning to younger investors: Be wary of “pop finance”](https://livinglegacyllc.com/a-warning-to-younger-investors-be-wary-of-pop-finance/)
- [Penalizing Marriage](https://livinglegacyllc.com/penalizing-marriage/)
- [Tax Code Anomalies](https://livinglegacyllc.com/tax-code-anomalies/)
- [Government Bonds Around the World](https://livinglegacyllc.com/government-bonds-around-the-world/)
- [Savings Rate vs Rate of Return](https://livinglegacyllc.com/savings-rate-vs-rate-of-return/)
- [July 2021](https://livinglegacyllc.com/july-2021/)
- [Retaining Key Employees: One Size Doesn’t Fit All](https://livinglegacyllc.com/retaining-key-employees-one-size-doesnt-fit-all/)
- [Guiding Your Wealth to Where You Want It to Go](https://livinglegacyllc.com/guiding-your-wealth-to-where-you-want-it-to-go/)
- [Persistent Low-Interest Rates Have Caused Bond Yields to Remain Low.](https://livinglegacyllc.com/persistent-low-interest-rates-have-caused-bond-yields-to-remain-low/)
- [The price of ignorance: Mistaken money beliefs can cost you](https://livinglegacyllc.com/the-price-of-ignorance-mistaken-money-beliefs-can-cost-you/)
- [How bad is buying at the peak of the market?](https://livinglegacyllc.com/how-bad-is-buying-at-the-peak-of-the-market/)
- [June 2021](https://livinglegacyllc.com/june-2021/)
- [May 2021](https://livinglegacyllc.com/may-2021/)
- [5 Ways to Address Deal Killers Before They Kill Your Deal](https://livinglegacyllc.com/5-ways-to-address-deal-killers-before-they-kill-your-deal/)
- [Deal Killers: Catch Them Before They Harm Your Future](https://livinglegacyllc.com/deal-killers-catch-them-before-they-harm-your-future/)
- [5 Aspects of Strong Goals and the Consequences of Missing Them](https://livinglegacyllc.com/5-aspects-of-strong-goals-and-the-consequences-of-missing-them/)
- [There’s More to Business Than Money: Values-Based Goals](https://livinglegacyllc.com/theres-more-to-business-than-money-values-based-goals/)
- [Market Jitters and Inflation Worries](https://livinglegacyllc.com/market-jitters-and-inflation-worries/)
- [Five Reasons That Owners Actually Do Sell Their Companies To Their Key Employees](https://livinglegacyllc.com/five-reasons-that-owners-actually-do-sell-their-companies-to-their-key-employees/)
- [April 2021](https://livinglegacyllc.com/april-2021/)
- [March 2021](https://livinglegacyllc.com/march-2021/)
- [The Magic Behind Writing Your Plans Down](https://livinglegacyllc.com/the-magic-behind-writing-your-plans-down/)
- [Walk Before You Run: Phased Planning](https://livinglegacyllc.com/walk-before-you-run-phased-planning/)
- [Poor Planning, Big Problems: The Tale of Tom Poor](https://livinglegacyllc.com/poor-planning-big-problems-the-tale-of-tom-poor/)
- [Change Is OK: How Planning Makes You Focused and Flexible](https://livinglegacyllc.com/change-is-ok-how-planning-makes-you-focused-and-flexible/)
- [The Soaring Crypto](https://livinglegacyllc.com/the-soaring-crypto/)
- [2020 Year-End Market Report](https://livinglegacyllc.com/2020-year-end-market-report/)
- [Is the stock market due for a correction?](https://livinglegacyllc.com/is-the-stock-market-due-for-a-correction/)
- [Everybody is susceptible to panic, but you don't have to give in](https://livinglegacyllc.com/everybody-is-susceptible-to-panic-but-you-dont-have-to-give-in/)
- [When Robinhood takes money from the not-so-rich](https://livinglegacyllc.com/when-robinhood-takes-money-from-the-not-so-rich/)
- [Robinhood’s Not So Merry Men and Women](https://livinglegacyllc.com/robinhoods-not-so-merry-men-and-women/)
- [What to Do About the High Cost of Investment Income](https://livinglegacyllc.com/what-to-do-about-the-high-cost-of-investment-income/)
- [Trust Fund Woes](https://livinglegacyllc.com/trust-fund-woes/)
- [Surprise finish: did 2020 see the biggest reversal in market history?](https://livinglegacyllc.com/surprise-finish-did-2020-see-the-biggest-reversal-in-market-history/)
- [15 FINANCIAL RULES TO LIVE BY](https://livinglegacyllc.com/15-financial-rules-to-live-by/)
- [IMPORTANCE OF WILLS & TRUSTS](https://livinglegacyllc.com/importance-of-wills-trusts/)
- [The Seductive Nature of Fat Tail Distributions](https://livinglegacyllc.com/the-seductive-nature-of-fat-tail-distributions/)
- [Is a Family Transfer Right for Your Business?](https://livinglegacyllc.com/is-a-family-transfer-right-for-your-business/)
- [January 2020](https://livinglegacyllc.com/january-2020/)
- [February 2020](https://livinglegacyllc.com/february-2020/)
- [March 2020](https://livinglegacyllc.com/march-2020/)
- [April 2020](https://livinglegacyllc.com/april-2020/)
- [May 2020](https://livinglegacyllc.com/may-2020/)
- [June 2020](https://livinglegacyllc.com/june-2020/)
- [July 2020](https://livinglegacyllc.com/july-2020/)
- [August 2020](https://livinglegacyllc.com/august-2020/)
- [September 2020](https://livinglegacyllc.com/september-2020/)
- [October 2020](https://livinglegacyllc.com/october-2020/)
- [November 2020](https://livinglegacyllc.com/november-2020/)
- [December 2020](https://livinglegacyllc.com/december-2020/)
- [Financial Planning Ideas and Resources for 2020](https://livinglegacyllc.com/financial-planning-ideas-and-resources-for-2020/)
- [Loan forgiveness with PPP Loans](https://livinglegacyllc.com/loan-forgiveness-with-ppp-loans/)
- [Three Investing Biases That May Be Holding You Back](https://livinglegacyllc.com/3-investing-bias-that-may-be-holding-your-back/)
- [Paycheck Protection Program Flexibility Act (PPPFA)](https://livinglegacyllc.com/paycheck-protection-program-flexibility-act-pppfa/)
- [Full Rollover Relief For Unwanted RMDs Under IRS Notice 2020-51](https://livinglegacyllc.com/full-rollover-relief-for-unwanted-rmds-under-irs-notice-2020-51/)
- [If Short-Term Market Predictions Are Tricky, What About Long-Term Forecasts?](https://livinglegacyllc.com/if-short-term-market-predictions-are-tricky-what-about-long-term-forecasts/)
- [When It’s Value vs. Growth, History Is on Value’s Side](https://livinglegacyllc.com/when-its-value-vs-growth-history-is-on-values-side/)
- [Should pass-through owners switch to C-corp status?](https://livinglegacyllc.com/should-pass-through-owners-switch-to-c-corp-status/)
- [Beware of Picking "Dividend Trap" Stocks](https://livinglegacyllc.com/beware-of-picking-dividend-trap-stocks/)
- [Avoiding Insurance Traps, Pitfalls & Swindles: Read Your Policy Now, Before It's Too Late!](https://livinglegacyllc.com/avoiding-insurance-traps-pitfalls-swindles-read-your-policy-now-before-its-too-late/)
- [Warren Buffett: This is the No. 1 mistake parents make when teaching kids about money](https://livinglegacyllc.com/warren-buffett-this-is-the-no-1-mistake-parents-make-when-teaching-kids-about-money/)
- [How The Fundamental Attribution Error And Hindsight Bias Can Lead To Poor Investing](https://livinglegacyllc.com/how-the-fundamental-attribution-error-and-hindsight-bias-can-lead-to-poor-investing/)
- [Finke, Blanchett on 4% Rule: Retirement Success Is Flexibility, Not Fixation](https://livinglegacyllc.com/finke-blanchett-on-4-rule-retirement-success-is-flexibility-not-fixation/)
- [Why Average Investors Earn Below Average Market Returns](https://livinglegacyllc.com/why-average-investors-earn-below-average-market-returns/)
- [What History Tells Us About Elections and the Market](https://livinglegacyllc.com/what-history-tells-us-about-elections-and-the-market/)
- [The Sleeping Giant: Value’s Dormant not Dead](https://livinglegacyllc.com/the-sleeping-giant-values-dormant-not-dead/)
- [An Exceptional Value Premium](https://livinglegacyllc.com/an-exceptional-value-premium/)
- [Why Worry About Survivorship Bias?](https://livinglegacyllc.com/why-worry-about-survivorship-bias/)
- [Block Out The Noise: It's All About The Income](https://livinglegacyllc.com/block-out-the-noise-its-all-about-the-income/)
- [Fresh from the investment bakery: how your portfolio pie is made](https://livinglegacyllc.com/fresh-from-the-investment-bakery-how-your-portfolio-pie-is-made/)
- [One in Five Credit Reports Has a Mistake on It. Here’s How to Check and Fix Yours for Free.](https://livinglegacyllc.com/one-in-five-credit-reports-has-a-mistake-on-it-heres-how-to-check-and-fix-yours-for-free/)
- [Keep Your Family Intact with Proper Estate Planning](https://livinglegacyllc.com/keep-your-family-intact-with-proper-estate-planning/)
- [TAX GUIDANCE FOR PPP BORROWERS](https://livinglegacyllc.com/tax-guidance-for-ppp-borrowers/)
- [What Have We Learned?](https://livinglegacyllc.com/what-have-we-learned/)
- [COVID-19 Eviction Protections](https://livinglegacyllc.com/covid-19-eviction-protections/)

## Pages

- [Home](https://livinglegacyllc.com/) - Living Legacy helps business owners, professionals & their loved ones manage, build & protect their wealth by developing your comprehensive financial plan.
- [Our Team](https://livinglegacyllc.com/our-team/) - Our financial advisors are passional about developing a personalized Financial & Insurance Plan you can trust. Learn more about the Living Legacy team.
- [Strategic Financial Planning](https://livinglegacyllc.com/strategic-financial-planning/) - Our strategic financial planning services for business owners reduce risk & turn uncertainty about the future into confidence. Learn how we can help here.
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- [Personal Planning Services](https://livinglegacyllc.com/personal-planning-services/) - Our comprehensive approach to financial planning services encompasses all areas of your life and your business. See how we can help build your legacy here.
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- [Videos](https://livinglegacyllc.com/videos/) - In these financial planning videos you will find insightful advice for financial, retirement, and business planning.
- [Blog](https://livinglegacyllc.com/blog/) - Building & protecting wealth starts with understanding & strategy. Here are easy-to-understand wealth management resources from our Financial Advisors.
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- [Thank You Newsletter](https://livinglegacyllc.com/thank-you-newsletter/)
- [Thank You Business Planning Whitepaper](https://livinglegacyllc.com/thank-you-business-planning-whitepaper/)

## Staff

- [Henry Werner](https://livinglegacyllc.com/staff/henry-werner/)
- [Kathryn Puttroff](https://livinglegacyllc.com/staff/kathryn-puttroff/)
- [Parker Petersen](https://livinglegacyllc.com/staff/parker-petersen/) - Parker is a Client Strategy Specialist, responsible for supporting the development, implementation, & upkeep of financial strategies.
- [Ashley Smith](https://livinglegacyllc.com/staff/ashley-smith/) - Ashley Smith is committed to keeping the team on track, providing clear communication, and ensuring that client goals are being met. Learn more about Ashley.
- [Aaron Puttroff](https://livinglegacyllc.com/staff/aaron-puttroff/) - Aaron Puttroff's passion is to help his clients use financial planning to live out their vision of the good life. Learn more about Aaron Puttroff.

## Categories

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## Tags

- [COVID-19](https://livinglegacyllc.com/tag/covid-19/)
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## Staff Group

- [staff](https://livinglegacyllc.com/staff-group/staff/)