5 Top Reasons Why You Should Work with Toce Financial
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Hiring a financial advisor doesn’t mean stepping into the tired world of high-fee products, generic advice, and confusing titles. At Toce Financial, we’re actively rejecting that model. We aren’t here to perpetuate the status quo we’re here to replace it. We’re Investment Advisor Representatives (IARs) of an independent Registered Investment Advisory (RIA) firm. That means... Read More →
Where Does the Money Come From?
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How Stocks Generate Profits for Investors: The stock market is a marketplace where publicly traded companies’ stocks are bought and sold. When a company’s stock is traded on the stock market, the company is essentially selling a small ownership stake in itself. The stock market allows companies to raise capital by selling these ownership stakes,... Read More →
Secure Act 2.0
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The Secure Act 2.0 would also make significant changes to 401(k) plans, which are a popular type of retirement savings plan offered by many employers. Here are a few key provisions of the act related to 401(k) plans: The act would allow long-term, part-time workers to participate in 401(k) plans. Currently, many part-time workers are... Read More →
Top Five Mistakes That New Investors Make
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As a financial planner, I often see new investors make the same mistakes as they navigate the world of investing. Here are the five most common mistakes that I see new investors make and how to avoid them: Over Diversifying Your Portfolio: While it’s important to diversify in order to spread out your risk and... Read More →
Warren Buffett‘s investment approach
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Warren Buffet is widely considered one of the greatest investors of all time, and his success can be attributed in part to his use of filters to identify profitable investment opportunities. Buffet has four key filters that he uses to evaluate potential investments: the circle of competence, sustainable competitive advantage, management, and price. Let’s take... Read More →
Why Stockpicking is Dead
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Stockpicking, the practice of selecting individual stocks for investment, is no longer a viable strategy for the majority of investors. One of the main reasons for this is the consistent underperformance of professional stock pickers compared to a benchmark index such as the S&P 500. A study by Dalbar, a financial research firm, found that... Read More →
The Demise of Mutual Funds
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Mutual funds have long been a popular investment option for many people, but recent data shows that they may not be the best choice for those looking to get their fair share of market returns. Over the past decade, only 12% of mutual funds have been able to match or exceed the broader market. There... Read More →
Thoughts on Bitcoin
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5 years ago, I wrote to a friend who asked me about Bitcoin. I think the last 5 years has strongly reinforced my thinking here, what do you think?
Why Long-Term Investing Wins: A Smart Strategy for Louisiana Professionals
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You know that you need to be doing something more with your finances, but you’re not sure exactly what. It’s definitely not ideal to have your money parked in a checking or savings account losing to inflation day after day, and something about those crypto, online sports betting, and other ‘get rich quick’ schemes just... Read More →
Boost Your Savings With Bonds
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If you’re looking for a reliable way to earn interest on your savings, bonds are an excellent option. Unlike traditional savings accounts, bonds offer a fixed rate of return that’s currently higher than what you can earn from a bank. In this article, we’ll explore why bonds are a smart investment choice in 2023 and... Read More →