The Problem With the 4% Rule
For many years, retirement planning conversations have revolved around a concept known as the 4% rule. The premise is straightforward: withdraw 4% of your retirement […]
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Prospecting Without Product Talk: A Simple Framework That Works
If prospecting feels harder than it should, the problem usually isn’t a lack of solutions. It’s a lack of simple, repeatable language. Most financial professionals
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Why Inflation Needs to Be Part of Every Client Conversation
When it comes to financial planning, one conversation is often overlooked—but absolutely essential: inflation. At Circle of Wealth®, we help people find money they’re losing
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Diet Coke & Jelly Donuts: The Credit Card vs. Emergency Fund Myth
💡 Credit Cards, Emergency Funds, and a Common Financial Misstep It’s a situation we see often—and it sounds responsible on the surface: “I keep a
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Understanding Reverse Mortgages—Explained Simply
When most people hear the term reverse mortgage, they assume it’s complicated or risky. But in reality, a reverse mortgage is simply that—a mortgage in
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