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Personal Finance
Why Tax Diversification Determines Retirement Control
Retirement planning is not about accumulation.
It is about control.
For decades, most investors focus on growing assets. They maximize contributions, select diversified funds, and monitor performance. Yet very few evaluate one critical factor that ultimately determines retirement flexibility: tax diversification.
Marshall Goins
Mar 161 min read
January: Where Financial Resolutions Go to Die (and Systems Come to Life)
At Clarion Advisors, we love optimism—but we love systems even more. Because the truth is, willpower is overrated. If building wealth depended on motivation alone, we’d all be retired on a beach by now. Instead, the people who actually win financially aren’t the ones with the best intentions… they’re the ones with the best habits and automatic systems.
Marshall Goins
Jan 142 min read
Backdoor Roth IRA: What It Is and Why It Matters
Roth IRAs are one of the best wealth-building tools out there. Tax-free growth. Tax-free withdrawals. No required minimum distributions. What’s not to love?
Marshall Goins
Jan 122 min read
Build Your Financial House on the Rock
Many young adults dream of financial independence, yet most get stuck building an emergency fund and never reach confident investing. Why? Because money struggles aren’t just about math—they’re emotional. From retail therapy and stress spending to avoiding financial discomfort, emotional habits quietly derail long-term wealth. In this article, Marcus Goins of Clarion Advisors breaks down why so many people stall at Baby Step 3, how emotional spending sabotages financial secur
Marcus Goins
Dec 22, 20252 min read
🎄🎁 Your December Financial Glow-Up: Holiday Edition 🎁🎄
Before you dive into the peppermint mochas and wrap battles (why is every gift box slightly the wrong shape?!), let’s take a moment to appreciate something important:
👉 You’ve made real financial progress this year. Yes, YOU!
Even if it doesn’t always feel like it. Even if you still don’t totally understand what an index fund is. Even if you bought matching pajamas for your dog “because it’s cute.”
Marshall Goins
Dec 22, 20253 min read
A Gift for your Kids or Helping the IRS Get RIcher?
Are those gifts really helping your kids—or are they helping the IRS get richer?
Mickie Giacomini
Oct 30, 20252 min read
The Clarion Call:
Here are some tips to help with tax and financial cleanup.
Marshall Goins
Oct 28, 20254 min read
💰 How Much Income Can You Safely Withdraw from a $1 Million Portfolio?
A $1 million portfolio might sound like a lot, but the income it generates depends on several factors:
How your money is invested
Your retirement age
Market performance
Inflation and lifestyle needs
Many people assume they can safely withdraw 4% a year—about $40,000 annually—but that “rule” isn’t always reliable. Let’s break it down.
Mickie Giacomini
Sep 18, 20252 min read
$1 Million in the Bank? 5 Smart Ways to Make Your Money Work Harder
Discover 5 smart ways to generate reliable income from your $1 million portfolio. Learn dividend stocks, bond laddering, REITs, and more with Clarion Advisors.
Mickie Giacomini
Sep 4, 20252 min read
Unlocking the 5 Types of Wealth to Transform Your Dream Life
Unlocking the 5 Types of Wealth to Transform Your Dream Life
Mickie Giacomini
Jul 29, 20253 min read
The Clarion Call: July 2025
The Clarion Call July 14, 2025 It is summer again and there is no shortage of heat. The summer temperatures are here and the activity in...
Marshall Goins
Jul 15, 20254 min read
Our Process: Organize, Plan, Achieve
Our Process: Organize, Plan, Achieve
Mickie Giacomini
Jul 10, 20251 min read
Leave a Legacy, NOT a Legal Mess: S1 Ep3
Leave a Legacy, not a Legal Mess: Designate your beneficiaries
Mickie Giacomini
Jul 9, 20251 min read
The Impact of "The Little Book of Common Sense Investing" by John C. Bogle
The Little Book of Common Sense Investing: [Book Review]
Marshall Goins
Jun 24, 20253 min read
![Baby Steps Millionaires by Dave Ramsey: [Book Review]](https://static.wixstatic.com/media/c029d8_49dc205693f142a28b2dea3b5d1dc2e9~mv2.png/v1/fill/w_465,h_349,fp_0.50_0.50,lg_1,q_35,blur_30,enc_avif,quality_auto/c029d8_49dc205693f142a28b2dea3b5d1dc2e9~mv2.png)
![Baby Steps Millionaires by Dave Ramsey: [Book Review]](https://static.wixstatic.com/media/c029d8_49dc205693f142a28b2dea3b5d1dc2e9~mv2.png/v1/fill/w_465,h_349,fp_0.50_0.50,lg_1,q_95,enc_avif,quality_auto/c029d8_49dc205693f142a28b2dea3b5d1dc2e9~mv2.png)
Baby Steps Millionaires by Dave Ramsey: [Book Review]
Baby Steps Millionaires by Dave Ramsey: [Book Review]
Marshall Goins
Jun 24, 20252 min read
Discover the Best Financial Summer Reads
Marshall's Favorite Summer Book Recommendations
Marshall Goins
Jun 16, 20252 min read
6 Rules for Successful Investing
Succeeding as an investor isn't hard, but it does take planning and discipline. With the assistance of your financial advisor, the six...
Marshall Goins
Jun 15, 20252 min read
4 Tips to Help you with Stock Market Volatility
Today It's really important to keep financial markets in perspective. Market cycles play out against a backdrop of economic, social and...
Marshall Goins
May 20, 20252 min read
Spring Clean Your Finances: Get Organized Like an Expert
Spring Clean Your Finances: Get Organized Like an Expert
Marshall Goins
Apr 21, 20253 min read
Why Life Insurance Matters: Protecting What Matters Most
Why Life Insurance Matters: Protecting What Matters Most
Marshall Goins
Apr 15, 20253 min read
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