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Saving for the Future: Start Now or Start Later?

From Stephen Clifford, Registered Investment Advisor Representative The Winfield Group - Scottsdale, Arizona


There are many ways to try to reach a future goal. You can save now, or you can save later (or perhaps do both). But there is an advantage to putting your savings and earnings to work for you as early as possible.

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Tips for Traveling Abroad

From Stephen Clifford, Registered Investment Advisor Representative The Winfield Group - Scottsdale, Arizona


For many people, there's perhaps nothing more exciting than traveling to a new country, experiencing different cultures, tasting exotic foods, and exploring unfamiliar landscapes. But before you take off on an international adventure, consider that a little preparation and a few precautions can help prevent a lot of unexpected headaches.

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15 Facts about Social Security

From Stephen Clifford, Registered Investment Advisor Representative
The Winfield Group - Scottsdale, Arizona


It's easy to take Social Security for granted when retirement is years away, but with 94% of the U.S. workforce covered by Social Security,* it's likely that this program will play a role in your financial future, perhaps even sooner than you think. Here are some facts and statistics from the Social Security Administration that highlight why Social Security is important to so many people.

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Five Risks That Could Derail Your Work-Sponsored Retirement Plan

From Stephen Clifford, Registered Investment Advisor Representative
The Winfield Group - Scottsdale, Arizona


As a participant in your work-sponsored retirement savings plan, you've made a very important commitment to yourself and your family: to prepare for your future. Congratulations! Making that commitment is an important first step in your pursuit of a successful retirement. Now it's important to stay focused--and be aware of a few key risks that could derail your progress along the way.

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Is There a New Way to Calculate My Home Office Deduction?

From Stephen Clifford, Registered Investment Advisor Representative
The Winfield Group - Scottsdale, Arizona


Yes, but first it's important to understand what hasn't changed. To qualify for an income tax deduction for home office expenses, the IRS still requires that you meet two tests--the place of business test and the exclusive and regular use test.

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