Author Archives: Brian Loy

About Brian Loy

Brian Loy writes insightful and inspiring articles about the ever-changing world of personal finance and the global trends that affect the risk and return on investments and shape the financial- and retirement-planning process.

Yes, Even Celebrities Make Estate Planning Mistakes

Americans are drawn to celebrities. We read about their lives, gossip about their deeds and ogle their pictures. Perhaps it is admiration of glamour, fascination with royalty or learning their tricks of the trade. However, celebrities often make the same … Continue reading

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End-of-year financial checklist, pt. 2

Vincent Price’s rap at the beginning of Thriller was a warning: “Darkness falls across the land. The midnight hour is close at hand …” October certainly has been a spooky month for some investors. Nevertheless, fall is time to wrap … Continue reading

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End-of-year financial checklist, pt. 1

Fall is a busy time at home and in the office. You’re wrapping up the quarter at work, preparing for the holidays and ensuring your home is ready for the upcoming winter season. It’s also time to get serious with … Continue reading

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Capture financial gains, or prepare for stormy weather?

What do you do when you get conflicting advice? There are two choices when the sun is shining. One person remembers the saying as “you build an ark when the sun shines.” Another says no, the saying is “make hay … Continue reading

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Mine, Yours and Ours: Guidance for Unmarried Couples on Joint Banking Accounts, Co-Signing Loans and Buying a House

Unmarried couples face unique money issues and financial planning opportunities. For example, how do you own your assets?  There’s a shared joy from living together and a temptation to own things “together.” There are going to be expenses – some … Continue reading

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Getting Hitched? Ask These 9 Financial Questions Before Living Together

Millennials experience more stress and don’t manage it well, according to a survey by the American Psychological Association. Compared to other generations, they’re the most stressed, followed by Gen Xers, Boomers and finally, Matures. Over half of millennials report lying awake … Continue reading

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Young Adults – 5 Milestones to Celebrate

Why do young adults risk being the “lost generation” and not being as wealthy as their parents? It’s because those born in the 1980s grew up and entered the workforce during the Great Recession and have not recovered financially like those … Continue reading

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Sage Financial Advisors Webinar: Retirement, New Challenges Facing Young Investors, and Outlooks

“Hazy” yes, but “lazy days of summer” no – It’s been a busy summer. We greatly appreciate playing a role in your lives – keeping you on track, helping you think things through, or just listening. Please join us next … Continue reading

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Top 5 Favorite Online Financial Tools and Their Limits

Imagine you’re being shipped to a deserted tropical island. What one item would you take? Now ask a thousand people the same question. We’d face similar conditions but would choose different things. Some would go for survival – drinking water, … Continue reading

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The Third Phase of Retirement: Reflection

Traditional discussions about retirement planning often involve two objectives – accumulating enough money to last a lifetime, then having a way to pass it on to your loved ones. However, there’s a big chunk between retiring and dying where you’re … Continue reading

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