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.

Tax Reform and Impacts to Business Owners

March Madness can be unpredictable, just like life. And Americans like to root for the underdog. Many Cinderella teams have captured our hearts since the first NCAA tournament in 1939. North Carolina State was a 6 seed that won it … Continue reading

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Tariffs, Inflation and Tax Time

Life isn’t easy, simple or smooth. March is Women’s History Month which recognizes great contributions women have made to our country. Elizabeth Blackwell was the first women to graduate from medical school in 1849 and is recognized as our first … Continue reading

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Alternative Thoughts on Education Funding

The world changed with the discovery of a hidden stairway in Egypt’s Valley of the Kings in 1922. Tomb raiders plundered the pharaohs’ tombs for centuries. And extensive excavations by archaeologists in the late 1800’s uncovered what they thought were … Continue reading

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Roth IRA Conversions Might be a Smart Move for 2018

The world’s best winter Olympic athletes meet in PyeongChang. Alpine skiers Vonn, Shiffrin, Ligety, Nyman and their teammates have a job which is basically to get from the starting gate to the finish line with a few obstacles to navigate … Continue reading

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The Silk Road and Planning for Federal Employees

Beasts carried and merchants traded silk, porcelain, gold, spice and gunpowder along a 4,000 mile corridor between China and Greece for almost 2,000 years. It was called the Silk Road, and started about 200 BC when wealthy Romans sought soft … Continue reading

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A Healthier 2018 – Six Questions

Old Chinese proverb goes “I hear and I forget; I see and I remember; I do and I understand.” Knowledge was passed by the ancients to their children often by stories and demonstration. Formal schools later emerged in China about … Continue reading

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Financial Planning – A Historical Summary and Insights for the Future

Cultures have different traditions in greeting the New Year. However, there are some similarities. Make noise – firecrackers routed the forces of darkness in China, Thais fired guns to frighten off demons, and Swiss pounded drums. Eat lucky foods – … Continue reading

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3 Mistakes with 529 Plans to Avoid

Across America, some 20 million college students return to campus. Some prepare for their future, others intend to change it. And an interesting trend is emerging – tuition costs are growing at a slower rate.  According to the College Board, … Continue reading

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Retiring Sooner

The Transcontinental Railroad brought thousands of settlers westward. In 1879, people began eyeing a dusty region known as the “Unassigned Lands.” The early group of supporters and promoters were known as “Boomers.” Farmers and ranchers sought new virgin territory to … Continue reading

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College and Career Readiness – New Hope on the Horizon

Rich Dad, Poor Dad author Robert Kiyosaki says “Financial freedom is available to those who learn about it and work for it.” A significant part of employee financial security comes from five benefit areas. However, first you’ve got to set … Continue reading

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