SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients: The SYM Financial Advisors logo.
SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients: The SYM Financial Advisors logo.

Wealth Planning

A SYM Financial Advisors referee, from the independent, commission-free fiduciary with 55+ years of serving clients, wearing a striped shirt and cap blows a whistle while holding a yellow penalty flag, with the text “EARLY RETIREMENT” overlaid at the top.

How to Avoid an Early Retirement Penalty

March 2, 2022

Every now and again, SYM Financial advisors and planners run into clients who retire early. There are many good reasons why someone might “retire early” in the eyes of the IRS, which is any time before reaching the age of 59½. Some are ready to separate from their jobs sooner than they had anticipated. Others may be impacted by layoffs, workforce reduction, or health problems that make it difficult to continue working. No matter how

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Infographic titled 2 Minds of Financial Decision-Making, featuring a split brain graphic to compare logical and emotional perspectives, as studied by SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients, to help them avoid the pitfalls of a non-fiduciary approach.

The Cost of Emotions in Financial Decisions

February 14, 2022

You might think that the hardest financial decisions are knowing which investments to pick, mitigating downside risk, or understanding how taxes might impact your returns. But there is one thing that can derail your investment portfolio even faster than poor investment choices and tax mistakes. That is the voice inside your head. On the surface, our daily thoughts and emotions may seem trivial. However, they can trick us into chasing after investments that don’t make

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An infographic from SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients, titled “Emergency Savings: The Good, The Bad, and The Ugly” comparing the benefits of savings, potential emergency costs, and the high interest rates of debt.

Keeping up with Emergency Savings, No Matter What

February 2, 2022

There are many good reasons why financial experts recommend building an emergency savings fund. Having a dependable reserve of money can allow anyone to handle unplanned expenses without relying on credit cards or loans. And for some, emergency savings can even make a difference between leaving a toxic job or relationship — or getting stuck in a bad situation for months, years, or even decades. In this post, we’ll talk about how emergency savings can

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Infographic titled “Tax Time Checkup” for SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients, showing that 62% of Americans expect a tax refund, with a breakdown of planned uses including savings, debt, daily expenses, home improvements, major purchases, and vacations.

Next Year’s Income Tax Planning Starts Now

February 1, 2022

Whether you are the type to submit your tax filing early or you wait until the April 15th deadline, there are ways to make the annual necessity easier on yourself. Income tax filing doesn’t have to be a frantic race. If you develop the right habits now, you can take small steps all year long, which will make the tax-filing project much simpler. That can lead to a quicker, smoother filing — and can potentially

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SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients: a broken green patterned Christmas ornament with scattered glass shards, representing the risks of not choosing a commission-free fiduciary for your SYM Financial Advisors investment strategy.

Best of Holiday Mishaps and Misadventures

November 16, 2021

The holidays are supposed to be just like the joyful, cozy pictures of fireside smiles and perfect cookies that we see in magazines… But we all know that in real life, they can turn awkward and hysterical faster than you can say “Oh Santa!”  Have you ever experienced a less-than-perfect holiday? The SYM team shares some of their most memorable mishaps.  Turkey Got Runover by a Grandma “A couple of days before Thanksgiving, Grandma was

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SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients: The words “Taxes 101” handwritten in black ink on lined yellow paper.

Taxes 101

November 12, 2021

The Difference between Marginal and Effective Tax Rate Do you know the difference between marginal and effective tax rates? This was a topic that didn’t get a lot of attention until 2007, when billionaire Warren Buffett expressed his frustration with the fact that he pays a lower tax rate than his secretary. Buffett learned this after he conducted a survey of his employees and discovered they were paying an average of 32.9% — compared to his

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