Hi, I’m Russ Thornton, and I’ve been delivering personal financial advice for over 20 years. My lifestyle financial planning service helps women achieve the life they want without fear of ever running out of money.

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Use Evernote To Make Your Brain Bigger

Evernote LogoToday marks the beginning of October.

Next thing you know, Halloween will be here. Then Thanksgiving. Then Christmas.

Then . . . it’s a new year: 2015

What are you doing to make the remainder of 2014 the best in can be for yourself and others you care about?

And what will 2015 hold for you? Will it be your best year ever?

Reply to this email and let me know. Who knows, maybe I can help make your plans a reality. Or perhaps one of the experts in my growing network can help.

Regardless of your plans for the coming days, weeks, and months ahead, I think we can all agree that the overall pace of life seems to be accelerating every day.

And remember, while it’s important to get a good return on your money, it’s not the only thing – nor is it the most important thing – I help my clients with.

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6 Dos and Don’ts For Women Choosing a Divorce Attorney

Pachman Richardson Family LawIf you’re considering or faced with divorce, selecting an attorney is one of the most important decisions you’ll make. The quality of and compatibility with your attorney are vital factors in terms of maximizing your potential to achieve as much financial security as possible during the divorce process and beyond.

No matter how urgent or difficult the situation, it pays to take time to interview attorneys and check out their credentials before you make a decision, according to Melody Richardson of Pachman Richardson LLC, family law attorneys in Atlanta, Ga. Richardson, who has practiced exclusively family law for nearly 20 years, is a founding member of the firm.

As you begin the process of selecting the attorney that will hopefully partner with you to bring your divorce to as successful a conclusion as possible, here are six dos and don’t designed to help you identify the most professional and experienced attorney possible.

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Your Financial Advisor’s Finances

Broke Financial AdvisorEveryone has to start somewhere, right?

Whether it’s your first job, your first romantic relationship, your first attempt at a new sport or something else that isn’t familiar and comfortable, most of us make some mistakes and learn some lessons along the way.

But what if you don’t learn from your mistakes and convert those learning opportunities into wisdom?

With that in mind, I’d ask you to read this article by Rick Kahler, a fee-only financial planner based in Rapid City, South Dakota.

The gist of the article is how you might investigate the health of your financial advisor’s personal finances.

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Article Round-Up

Round UpEvery once in a while, instead of my usual weekly article, I’ll share a collection of articles that I found interesting.

Maybe you’ll find one or more of them interesting, too.

So let’s get started, shall we?

I have a client whose Mom passed away recently, and she asked for my input on the distribution of her Mom’s IRA. It turns out her Mom had named her estate as the primary beneficiary of her IRA, and this is something I advise against doing. In most cases, it is far better to name a specific person (or persons) as beneficiary for your 401k, IRA and other retirement accounts. For more on why this important, read this.

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Managing Your Retirement Income Like A Pension


I hope you’re doing well.

A couple of weeks ago, I shared with you an email I received from my planning team.

It contained some terminology that, while common among my colleagues, left some of you asking for an explanation.

Specifically, I had a few people ask me about the term “overfunded” that was mentioned in the email.

And this is the reason today’s article has “managing your retirement income like a pension” as its title.

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