The Navigoe Blog

Author: Eric Toya, CFP®

Celebrate Your Financial Independence

July is the month that we gather with family and friends over barbecue and fireworks to celebrate our nation’s independence. This month, take a moment to consider your own financial independence. What is financial independence? Financial independence is a concept that means something different to everyone. To some, it is being able to buy a…

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Treat Investing Like a Marathon, Not a Sprint

After a volatile start to 2016, investors should be pleased to remember that investing is not a sprint, but instead it’s more like a marathon. A sprint race can be won or lost by how well runners respond to the starting gun and explode off of the blocks. Marathons, on the other hand, are probably…

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How do I withdraw from my 529 plan?

Every year, maybe every month, you diligently added to your child’s college savings in a 529 plan. Maybe Grandma and Grandpa kicked in some money to help out. It never seemed like enough — but then again, college seemed so far away. Hard to believe, but that time has come: time to send the little…

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Why are International Equities unhedged?

In 2014, the US dollar went on a tear. The currency strengthened versus all other major currencies, and not by a small amount. The US dollar gained 11.97% against the Euro, 5.92% against the British pound, 8.32% against the Australian dollar and 11.58% against the Japanese Yen. If you were a consumer of foreign products,…

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Navigoe 2014 Market Review

The year 2014 will be remembered as another great year to be a stock market investor, both in the US and abroad. Of course, as is usually the case, the year-end results give us a limited perspective on the actual events of the year. It’s been said that you know your portfolio is well diversified…

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Estate Planning Opportunities Using Roth IRA Conversions

In 2010, income limits to allow conversion of traditional IRA assets to Roth IRA were eliminated. This opened up the floodgates of financial planning ideas. The Roth conversion became a popular tool for retirement and tax planning. Less noted, a Roth conversion can be a powerful tool for estate planning. Generally, a Roth conversion for…

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Having more money (like losing weight) isn’t a real goal

I was talking with a friend about running, and he told me, “you know what the best way to improve your running time is?” “what?” I asked. “Lose weight,” he says. That just seemed entirely backwards. It’s like saying that the best way to improve your bench press is to get stronger. Aren’t I running…

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My Somewhat Costly Healthcare Education

I have a high deductible health plan (HDHP), which is compatible with a Health Savings Accounts (HSA). These plans were first approved and made available to the public in 2004. The concept makes sense for someone who does not expect to have a large amount of insurable medical expenses. These plans were supposed to make…

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