Personal Finance Blog | Skrobonja Financial Group
Happy multi-generation family walking in the countryside

Are You Leaving a Legacy or Leaving a Mess?

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It has been my observation that the financial services industry has done a poor job with truly helping people with wealth transfer. The public, and many professional advisors, have limited thinking about how wealth is created and transferred upon death. The existing mindset around estate planning normally leads up to the death of one generation and then distributes the assets…

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Inflation: The Silent Killer of Your Money

The Silent Killer of Your Money

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One of the main enemies of saving money is inflation. It is known as the silent killer and earns its reputation by its slow deterioration on the purchasing power of our money over time. Inflation impacts our life in small doses which make it easily overlooked from one year to the next but its effects can be problematic long term. Inflation…

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What is Cash Flow?

What is Cash Flow?

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One of the most challenging aspects of money management for the average person is the accountability of how it is used. Busy lifestyles and poor habits leave little time for us to properly manage our hard-earned money. It often becomes a cycle of addressing problems as they arise, and otherwise sinking into an out of sight, out of mind mindset….

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The Anatomy of a Financial Plan. Five individuals crowd around a table, papers and laptops before them.

Anatomy of a Financial Plan

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One of the most confusing things about money management is defining what it means to have a financial plan. This can be a challenging topic for many people and I thought it would be helpful for you and perhaps a few financial advisors for me to explain the anatomy of a financial plan. In other words, what is it that…

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Who Gets to Keep More, Them or You?

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What would you think if I told you that the government and our banking system has control of over 60% of your income? Sound ridiculous? Over the last couple of years I have been thinking more and more about what we are taught to do with our money. I have come to a realization that much of what we do…

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Stock Broker or Retirement Planner? Two professionally dressed men sit at a table reviewing a worksheet. Their laptops sit on the table before them.

Stock Broker or Retirement Planner?

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Time and time again I hear from retirees who are stressed about how to get organized and prepared for retirement. They are not sure where to turn for guidance, leaving them ill prepared for what is before them. What is puzzling to me is that the majority of the people that come into my office have a stockbroker who they…

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Managing Cash Flow: An older couple holds hands while on an afternoon bike ride.

Managing Cash Flow

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We live in a world where there are more and more external things that keep much of our financial life out of our control. The stock market, government regulations, tax policy, interest rates, inflation, terrorism and rising health care expenses leaves us in a continuous state of fluctuation. This perpetual state of fluctuation often leaves us confused and searching for...
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