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Simplifying complex topics to their most basic form 

Divergent Guides

We are as much educators as we are advisers

at the SCT Library

Cutting through clutter and spin to deliver financial straight talk. 

These short guides will reduce complex topics to their core issues and assist you in making the best financial decisions for your family.

Roth Conversions - Turning Heads at the BBQ

There are many reasons to consider Roth conversions as part of your financial plan. Here are just a few: Do you want to pay less taxes as you get older? Do you want to decide when you pay taxes and how much? Do you want to control when to take money out of your retirement account? How does a tax-free inheritance to your children sound? Do you like knowing that your earnings grow tax free?

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Questions to Ask a Financial Advisor

Recently I spoke with some individuals about interviewing financial advisors. We talked about what questions to ask and what they should think through before entering a relationship. 😍 That sounds like I am about to give dating advice. Well, maybe not far from it.

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Beneficiaries - A Fun Topic At The BBQ

Estate planning can be complex, but it doesn't have to be. There are simple steps you can do today to move the needle in the right direction. Beneficiary designations can be a good place to start.

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6 Accounts to Help Increase Your Wealth

There are numerous resources available to help you feel confident about your financial situation. Understanding these options is key to making smart choices with your assets. Money management can be exhausting but learning where and how your money can work could make all the difference. Taking the time to consider your options for investing in the future will pay dividends as you consistently pay yourself first.

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Efficient Strategies for Charitable Giving

There is no feeling like giving to a cause or charity that you care deeply about. Being in a position to help is empowering. With all that is occurring in the world, many families are looking for opportunities to make a greater impact and leave a lasting legacy. There are numerous methods of donating to your favorite charities that are often overlooked. This article highlights a few efficient tax planning strategies for maximizing your charitable impact.

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The Power of the ETF - Changing the Way the World Invests

Exchange Traded Funds, also known as ETFs, have changed the way the world invests. ETFs have drawn an enormous amount of capital in the last decade and there seems to be an ETF for everything these days. This article highlights critical information that you need to know about ETFs and the opportunities they give investors.

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