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.

Moms Nurture Financial Health and Well-Being

Moms have a very special gift as nurturers. Nurturing is the process of caring for and encouraging the growth of someone or something. Security and comfort often top the list, and these goals transcend to their kids. Sometimes it is … Continue reading

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Estate Planning Actions for the Small Business Owner

Two things people avoid talking about are death and money. Combining the two is estate planning—the process of arranging for the management and disposal of a person’s estate while minimizing gift, estate, generation skipping transfer, and income tax. Estate planning … Continue reading

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Seven Savvy Gift Ideas for College Graduates

Every generation brings something unique, but this graduating class is very different. They are the last of the Millennials and eclipse prior generations in size, education level and diversity. Most live in urban centers, shun time-honored institutions such as political … Continue reading

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Never Too Early: How to Plan for the 2019 Tax Season

How did April 15 go for you? Was your tax bill in the ballpark or was it a big surprise? Most financial decisions have tax impacts. You can ignore them or plan ahead, but we highly suggest tax planning for … Continue reading

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Mitigating Risks for Small Business Owners

Creating a Risk Management Plan Small business owners make up most of the U.S. economy. While the statistics are not often reported by the media, according to the U.S. Small Business Administration (SBA), almost 50 percent of Americans either own … Continue reading

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10 Smart Ways to Use Your Tax Refund

It’s that time of the year when tax preparers and CPAs are busy preparing tax returns and their families are left to fend for themselves. In past years, about three-quarters of tax filers got an average refund of $3,000. This … Continue reading

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Spring Clean Your Finances

Every time a season changes, there are thoughts and plans to change things in your life. Clean the house, the yard, or start something new. Perhaps a new start you can consider this season is spring cleaning your finances. Here … Continue reading

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Build Your Wealth with Real Estate

Is it buy low and sell high? Or buy high and sell low? Steel industry pioneer Andrew Carnegie said, “Ninety percent of all millionaires became so through owning real estate. More money has been made in real estate than in … Continue reading

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If you track your heart health — why not track your financial health? Here are five tips.

Health professionals say we’re going to die of one of two reasons – accident or chronic illness. Our job is to move those markers out as far as possible by making positive lifestyle changes – buckle up, eat right and … Continue reading

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Pink Hearts, Red Roses and…Financial Security. Love Is In the Air This Valentine’s Day.

Pink hearts, red roses and chocolates – love is in the air. The National Retail Federation is projecting that consumers will spend a record $20 billion on gifts this year. On average, $162 is spent per person, and the shopping … Continue reading

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