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Married Filing Jointly or Separately? The Choice Is Yours

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


If you are married, you generally have a choice of filing your federal income tax return(s) as married filing jointly (MFJ) or as married filing separately (MFS). Because of a number of special rules, your combined tax will often be lower if you file married filing jointly than if you file married filing separately, but that is not always the case. You should...

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Filing Your 2013 Federal Income Tax Return

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


For most people, the due date for filing a 2013 federal income tax return is April 15, 2014. Here are a few things to keep in mind this filing season.

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The Frugal Habits of Millionaires

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


The word "millionaire" typically conjures up images of a lavish, jet-setting lifestyle, but behind the scenes, that may not always be the case. Like Warren Buffett, who famously still lives in the relatively modest house in Omaha, Nebraska, that he bought in 1958 for $31,500, many millionaires (and billionaires) live a modest, if not downright frugal lifestyle--a lifestyle that may have helped them become millionaires in the first place.

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Bonds vs. Bond Funds: Which Is Better When Interest Rates Rise?

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


The Federal Reserve has said it expects to begin raising its target rate sometime in 2014. Since bond prices fall when interest rates rise, it may be a good time to pay increased attention to any fixed-income investments you have. Here are some factors to consider when you review your portfolio.

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The Impact of Health-Care Costs on Social Security

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


For many retirees and their families, Social Security provides a dependable source of income. In fact, for the majority of retirees, Social Security accounts for at least half of their income (Source: Fast Facts & Figures About Social Security, 2013). However, more of that income is being spent on health-related costs each year, leaving less available for other retirement expenses.

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