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Tax Loss Harvesting Strategies for Investor Portfolios in 2023 Tax Year

Tax Loss Harvesting Strategies for Investor Portfolios in 2023 Tax Year
Now is the time, for the 2023 tax year, to take a good look at your non-qualified, taxable investment accounts to consider tax loss harvesting strategies for your portfolios. Effective tax loss harvesting can help avoid capital gains taxes that will be due next year on April 15th. Every investment portfolio has unrealized gains and…
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True North Financial Advisors Provides Financial Advice for Federal Employees to Manage Retirement Plan Benefits

True North Financial Advisors Provides Financial Advice for Federal Employees to Manage Retirement Plan Benefits
Written by, Stephen Ostrofsky, CFP® True North Financial Advisors provides direction and advice to individuals who are current or former federal employees covered under the Federal Employee Retirement System (FERS).  Federal Employees have three retirement benefits that need to be coordinated, including: the Basic FERS Benefit Plan, Social Security and the Thrift Savings Plan. True…
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What Impact Does Chronic and Custodial Healthcare Costs Have on Retirement?

What Impact Does Chronic and Custodial Healthcare Costs Have on Retirement?
Written by Stephen Ostrofsky, CFP® During a recent client meeting with a client, we reviewed their retirement benefits designed to provide for health care costs during retirement. The retirement benefits provided significant sums to my client, but was it enough to offset expected health and custodial care costs? What we found is that many retirees…
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FRS Investment Plan Participants Can Obtain Personalized Investment Advice through Self-Directed Brokerage Accounts

FRS Investment Plan Participants Can Obtain Personalized Investment Advice through Self-Directed Brokerage Accounts
Written by Stephen Ostrofsky, CFP®   The pursuit of personalized investment advice might seem elusive for many Florida Retirement System (FRS) Investment Plan participants.  For many, the Self-Directed Brokerage Accounts (SDBAs), has gone unnoticed by PBSO deputy sheriffs and employees since 2014.  In January 2014, the FRS announced the SDBA option for FRS Investment Plan investors to provide greater…
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