Tag: Investing
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“I’ve saved $1,000,000 – Can I Retire?”
by Clint Kraft
You’ve finally crossed that seven-figure mark. After decades of saving, investing, and planning, your account balance now shows $1,000,000. It feels like the number everyone talks about, the point where work becomes optional. But here’s the real question: Does that mean you can retire? You’ve likely worked hard for decades, saved and invested carefully, and…
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How a Small Fee Gap on $500,000 Can Cost You ~$150,000 Over 20 Years
by Clint Kraft
When people think about the value of a financial advisor, they often focus only on the fees. And while fees absolutely matter, the truth is you could always find someone cheaper if that’s all you’re looking for. The real question is: what are you getting for the fee you pay? For many families I meet,…
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The Problem with Index Funds
by Clint Kraft
Index funds have become the go-to solution for millions of investors. Firms like Vanguard under Jack Bogle pioneered the strategy back in the 1970’s and saw huge success. They’re marketed as simple, low-cost, and “passive”, an easy way to get broad exposure to the stock market without trying to pick winners or time the market.…
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Why You Shouldn’t Sit on a Lump Sum of Cash
by Clint Kraft
Every year I meet people who receive a lump sum of cash. Sometimes it’s from selling a business, sometimes it’s an inheritance, and sometimes it’s just the result of years of disciplined saving. Almost every time, I hear the same hesitation: “I don’t want to put all of this into the market right away. What…
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What does Kraft Capital really do for Clients?
by Clint Kraft
“So, what do you actually do?” This is the most common question I get from people who have read a few of my articles or know that I’m an advisor. Over time, I’ve realized that most people have a limited understanding of what a financial advisor can actually help them with. This is at no…
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NIL Money: How Athletes Can Manage their Income
by Clint Kraft
Signing your first NIL deal probably felt like a major win, and it is. But what most athletes don’t realize is that once the money hits your account, you’re more than just a student-athlete. You’re now running a business. And like any business owner, the way you handle your money today can set the tone…
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NIL Money at Michigan: Best Moves for Athletes To Manage Money
by Clint Kraft
When you signed your first NIL deal, you probably didn’t expect to become a business overnight. But that’s exactly what’s happened. And just like any business, you need a strategy to manage your money, plan for taxes, and set yourself up for the future. As a financial advisor for NIL athletes, we help people like…
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The Hidden Fees Draining Your Investments (and How to Spot Them in 5 Minutes)
by Clint Kraft
If you’re in you have a 401(k), IRA, or any account that holds investments, I have an important question: Do you know exactly how much you’re paying in investment fees? Most people say: “Not much. I’m just in mutual funds from Fidelity or American Funds. I don’t get an invoice from my advisor that I…
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My Thoughts on the Current Stock Market
by Clint Kraft
I have been debating whether I should post this article for a while now. Some of you may be a bit uneasy or worried about things you see on the news related to politics & the stock market, and I want to take this opportunity to help put your mind at ease. Part of me…
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5 Reasons People Seek out a Financial Advisor
by Clint Kraft
Personal finance is something everyone has to deal with, yet very few people have gotten any formal education on. As your finances become more complex, you may start to feel uncertain about whether you’re making the right decisions. In these situations, many people turn to a financial advisor to help them create an organized plan,…