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Estate Planning Basics

March 20, 2020

What is an Estate Plan? An estate plan is a collection of documents designed to protect your wishes should you become incapacitated or pass away. Do I Need an Estate Plan in South Dakota? There are five main reasons you need an estate plan. An estate plan allows you to decide who gets what when …

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Green Shoots

March 19, 2020

“Be Fearful When Others Are Greedy and Greedy When Others Are Fearful” – Warren Buffett During the last decade the stock market rose over 300 percent. During the good times investors got greedy. In the latter part of the bull market, valuations became stretched. Investors kept buying stocks. If you had asked investors what would …

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How Big Should My Emergency Fund Be?

March 15, 2020

Balancing Emergency Cash With Long-Term Investing Keeping a pulse on client cash needs is one of the most important jobs I have as a financial advisor. Here is an excerpt of an email I sent to clients tonight explaining how to balance short-term cash needs with long-term investment goals. Looking to earn more in your …

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5 Steps to Cushion the Stock Market Sell-Off

March 9, 2020

Scary Markets Listen to the news lately and it’s easy to be fearful. The markets are experiencing panic selling. Oil is crashing. The coronavirus is spreading. It is normal to be afraid. It’s been a decade since we’ve seen price swings like we are currently experiencing. As a South Dakota Financial Planner this is the …

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How Should Retirees Prepare for a Bear Market?

February 29, 2020

COVID-19 Stock Market Decline We are a few days removed from one of the quickest market declines in market history. This is fresh off our post on how retirees should invest in a bull market!! Quick overview: the markets have been at all-time highs. Since 2009 many stock markets have doubled or tripled in price. Markets don’t …

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How can I earn more in my emergency fund?

February 21, 2020

My emergency fund I keep $25,000 in an emergency fund. Ideally I’d like it to be $50,000. However I have competing priorities like funding my retirement accounts, saving for college, and travel. My emergency fund is for just that – emergencies. It’s my stash to help me sleep at night. Ideally I will never touch …

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February 18, 2020

Does your 401(k) balance have you thinking about retirement? Times have been good The stock market has moved upwards for the better part of a decade. The S&P 500 is up around 378% during this time. Thanks to rising markets and workplace savings, 401(k) millionaires are at an all-time high. The fear that was present in …


Year In Review – 2019

December 19, 2019

2019 2019 was the busiest year ever for Birch Investments and we have big plans for 2020! Our 8th year in business saw a lot of growth. Alongside that growth we are continually reinvesting into the future of Birch Investments. Clients Birch now serves 50 client households spread across 4 states. Office Space We moved into a …

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What Estate Issues Should Snowbirds Consider?

November 7, 2019

Snowbird Estate Considerations As the snow arrives in South Dakota it’s easy to picture escaping south in the winter. With the growing popularity of AirBnB and VRBO we are seeing more families opt to rent their winter homes. However there are still those who have a desire to own their winter getaway and have a …

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TD Ameritrade Now Offers $0 Commissions

October 2, 2019

TD Ameritrade Goes Commission Free You may have seen the news…TD Ameritrade is eliminating base commissions for online exchange-listed stock, ETF (domestic and Canadian), and options trades, moving from $6.95 to $0.00. Please see the company press release for additional details on this milestone announcement: THE BEST JUST GOT BETTER: TD AMERITRADE INTRODUCES $0 COMMISSIONS …

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