Leverage Your Charitable Gifts with These Three Strategies


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The first Tuesday in December is “Giving Tuesday”. Last week we gave thanks for the blessings in our lives. The week before Minnesotans gave to the max as they donated over $21.6 million to their favorite charities on Give To The Max Day 2019.

This time of year is definitely the season for giving.

Of course, you can make a financial gift at any time of the year, but during the holidays people tend to give more as they try to meet year-end tax deadlines before the next tax year begins.

Dana Holt, founder of Holt Consulting, is charitable gift planning educator, coach and professional speaker. She teaches financial advisors, planned giving professionals and others how to make the most of their clients’ resources to make a difference in lives of others and the organizations they love.

Below is a guest post from Dana regarding three common, but very effective strategies to make the most of your year-end charitable gifts.

Happy Thanksgiving 2019!


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I am taking a couple extra days off for the Thanksgiving holiday this week. Below I am re-posting a blog post from just a few years ago regarding 10 Reasons To Support Your Favorite Small Business This Saturday. 

I hope you will give it a quick read and support your favorite local businesses wherever you may find them.

As always, I am forever grateful for your support, the fact that you are reading these words, and that you allow me to serve you as your financial advisor.

10 Reasons To Target Your Favorite Small Business This Saturday

5 Common Scams That Target Retirees and Seniors


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Unfortunately, with the rise of technology there have been more and more accounts of retirees being targeted for financial scams to rob them of their wealth or identities. Because scammers have gained an understanding of how to trick and manipulate this generation, it has become quite common for them to gain access to bank accounts, personal information and in some cases, assets.  

Learning about the common risks can mean the difference between you or your loved ones remaining protected or playing right into the tricks of scam artists. 

Minnesotans Give To The Max


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It’s official. Minnesotans are the most charitable people in the country.

WalletHub recently ranked Minnesota as the nation’s most charitable state for 2018 using a methodology based on 18 different metrics. More specifically, we were ranked #1 in the nation for “Volunteering & Service” and #4 for “Charitable Giving”.

Way to go Minnesota!

You can learn more about WalletHub’s research by clicking here.

Medicare Open Enrollment


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Open enrollment season for Medicare is well underway and runs through December 7.

This open enrollment period provides Medicare users an opportunity to re-shop their healthcare and drug coverage choices, and consider other options for the year ahead.

If you’re enrolled in Medicare you should receive an Annual Notice of Change (ANOC) and Evidence of Coverage (EOC) from your plan provider by the end of every September. Review this information carefully because any changes to co-pays, premiums, deductibles, drug costs or network providers will be listed in these documents.

If you’re happy with the coverage you have, you don’t need to do anything and your policy will simply auto-renew.

Changes to your existing plan or changes to your health may make another plan a better option for you. Take some time now to determine if you should switch and then do so before the open enrollment period ends.

Click here to visit the Medicare website for more information: medicare.gov.  

If you would like help reviewing your plan and the available options, let me know and I will be happy to refer you to a specialist.