Alpha Financial Blog

Aug 30, 2023

Change is the Only Constant

Laws change. Goals change. Strategies change. That's why we work with our clients on an ongoing basis--as your life and the world around...

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Which would you rather discuss? Winning the lottery or a plan for dementia or cognitive decline?

Michael Dayoub

Aug 23, 2023

Insurance and Risk Management

Which would you rather discuss? Winning the lottery or a plan for dementia or cognitive decline?

Do you need a plan in case of dementia or cognitive decline? How would you be cared for? How would your assets be protected from bad...

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Life Insurance Part 3: How much coverage do I need?

Wayne Jordan

Aug 16, 2023

Insurance and Risk Management

Life Insurance Part 3: How much coverage do I need?

There isn't an exact formula to follow to calculate how much life insurance coverage you need. I like to ask clients these questions to...

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Life Insurance Part 2: What type of insurance?

Wayne Jordan

Aug 10, 2023

Insurance and Risk Management

Life Insurance Part 2: What type of insurance?

There are two main types of life insurance: term and whole. Term Life Insurance Coverage Period: Term life insurance provides coverage...

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Investment Property Values, 12 month change

Michael Dayoub

Aug 8, 2023

Business Advice

Investment Property Values, 12 month change

1031 exchanges are great for pushing out some capital gains into your retirement years, but interest rates and property values are pretty...

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Wayne Jordan

Aug 3, 2023

Insurance and Risk Management

Life Insurance Part 1: Do you need it?

Life Insurance: Do you need it?

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Wondering which retirement plan is right for your small business?

Molly Jordan

Jul 26, 2023

Business Advice

Wondering which retirement plan is right for your small business?

Small business retirement plan comparison.

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Calculate inflation's long term effect on your spending power

Michael Dayoub

Jul 21, 2023

Investing

Calculate inflation's long term effect on your spending power

BLS inflation tool calculates spending power

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Why buy bonds when CDs and money markets are paying so much?

Wayne Jordan

Jul 18, 2023

Investing

Why buy bonds when CDs and money markets are paying so much?

I wrote a couple of months back about how much better CD and money market rates are now compared to previous years. (LINK) Currently you...

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Wayne Jordan

Jul 12, 2023

Retirement Planning

Roth IRA for Kids?

Every parent wants to ensure their children's success and happiness. Often we get parents who want to help their children save and build...

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Michael Dayoub

Jun 27, 2023

Insurance and Risk Management

Get flood insurance

Savannah is much more likely than average to have a Hurricane Harvey rain event and is too flat with inadequate drainage to quickly drain...

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Wayne Jordan

Jun 21, 2023

Investing

The GE Dilemma

Over the past decade a group of technology stocks known as FAANG (Facebook, Apple, Amazon, Netflix, and Google - now Alphabet) have...

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Michael Dayoub

Jun 15, 2023

Retirement Planning

Spend down your IRA so it's not inherited?

Not so fast -- we can do some tax planning to get the IRA taxes paid at the lowest rate possible. https://clark.com/personal-finance-cred...

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Wayne Jordan

Jun 15, 2023

Taxes

How does a rental property get taxed?

A couple of weeks ago I wrote a blog about how a primary residence gets taxed when sold. Continuing down that path, in today's post I...

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Wayne Jordan

Jun 7, 2023

Taxes

Tax-free growth with an HSA

When most of us think of retirement planning we think about our 401(k)s or IRAs. We don’t typically think about a Health Savings Account...

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Wayne Jordan

May 25, 2023

In the News

Today's Crisis: the debt ceiling

Today’s crisis is the debt ceiling. Will Congress and the President strike a deal to avoid a US government default? They’ve raised the...

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Wayne Jordan

May 17, 2023

General Planning

Stop logging in so much

I’ll admit it. I check my investment accounts too much. I know I'm not alone. There are a lot of people who like to stay well-informed on...

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Wayne Jordan

May 11, 2023

Taxes

Do I owe taxes when I sell my house?

Home prices in the US are up 32% on average over the last 3 years (according to Redfin) so there are a lot of homeowners sitting on big...

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Wayne Jordan

May 5, 2023

General Planning

Rainy Day (Funds) Looking Brighter

Hopefully you’ve got a rainy day/emergency fund set aside for unforeseen expenses. Throughout the past decade with super-low interest...

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Doctors offices offering credit cards for payment?

Michael Dayoub

May 4, 2023

Doctors offices offering credit cards for payment?

None of our clients have asked me about credit card offers from their healthcare providers. They sometimes are offered payment plans and...

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