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Martin A. Smith, CRPC®, AIFA® President,
Retirement Planning Financial Advisor™

Martin A. Smith is the President of Wealthcare Financial Group, Inc.™ a retirement planning and investment management firm. He is also a personal finance blogger and founder of Answers About Wealth™, an educational resource that offers trusted advice by professional advisors. Martin is committed to providing each client with values-based advice and custom-tailored service. Thus, the need for prudent advice and high quality service is also the basis for his business philosophy; “How much better it is to get wisdom than gold! And to get understanding is to be chosen rather than silver!” Proverbs 16:16

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3107, 2012

Avoid Making Retirement Planning Mistakes

July 31st, 2012

At all costs, major retirement planning mistakes can and should be avoided just like Caffeine. Caffeine? Yes, caffeine! Hang in there with me for a minute and you will understand what I’m talking about. When done properly, the process of retirement financial planning should greatly reduce the potential for costly mis [...]
Martin A. Smith
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1607, 2013

College Loans: A Dilemma for African Americans

July 16th, 2013

According to the U.S. Census Bureau, 18 percent of African-Americans 35 years old and older had a bachelor’s degree or higher in 2010. Some 1.5 million African-Americans 25 years old and older had advanced degrees in 2010, and 2.9 million were enrolled in college in 2010, a 1.7 million increase since 1990. While the [...]
Martin A. Smith
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2307, 2013

Financial Literacy: Key to Creating and Sustaining Wealth for African Americans

July 23rd, 2013

Legacy planning is a lifelong endeavor that requires patience, discipline, a strong work ethic and proficiency when it comes to the subject of money and taxes. Being “wealthy” should not only be defined in numerical terms. Otherwise, what good does having a lot of money do for the people who are unable to enjoy it [...]
Martin A. Smith
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106, 2015

What You Need to Know About High Yield Bonds

June 1st, 2015

Interest rates at historically low levels are great for those looking to refinance a mortgage or borrow money to start a business. However, people who rely on their investments for income have sought out a variety of alternatives to rock-bottom yields on U.S. Treasuries, including high-yield bonds. If you’re cons [...]
Martin A. Smith
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706, 2015

Top Retirement Planning Mistakes to Avoid Like the Plague!

June 7th, 2015

Top Retirement Planning Mistakes to Avoid Like the Plague! Too many people fall victim to one or more common retirement planning mistakes that could prevent them from reaching their retirement goals. Here are four easily avoidable mistakes that could prevent you from reaching your retirement goals. 1. Putting off plann [...]
Martin A. Smith
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1606, 2015

Is Your Portfolio Too Risky for Your Tolerance?

June 16th, 2015

If you’re like most people, you probably evaluate your portfolio in terms of its return. However, return isn’t the only factor you should consider, also important is the amount of risk you take in pursuing those returns. The term “risk” is often understood to mean the risk of loss. However, a po [...]
Martin A. Smith
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