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On Target Financial


5301 SW 7th Street, Topeka, KS 66606


Phone:  785-272-5000

Fax:      785-272-6725


Joseph G. Prokop, CFP®, CRPC®



January/February 2022

What's the Difference Between Risk and Volatility?

You may think of volatility and risk as interchangeable terms, but they’re not. Picture volatility as a two-way thoroughfare. Just as a car on that road can go in either direction, the price of an investment can go up or down over time. That’s volatility.

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How Much Should You Save?

Determining how much you need to save is different for everyone, but here are a few general guidelines that apply to most people.

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Natural Disasters: Are You Covered for Flood Damage?

Hurricanes, wildfires, catastrophic flooding — if your home or business were affected by a natural disaster, would your current insurance cover the damage? You might be surprised to learn that a typical homeowners or business insurance policy generally does not cover flood damage. For that, you'll need flood insurance.

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Your Retirement Countdown

If you expect to leave the workforce in the next five years or so, planning will make for a smooth transition.

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Filing Taxes in a Disaster Area

Although taxes may be the last thing on your mind after a disaster, filing a tax return may help you recoup some of your losses. But reconstructing documents can be challenging.

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Why Consider an Irrevocable Life Insurance Trust?

All life insurance policy proceeds are paid income-tax free and can provide immediate cash to pay final expenses and income for survivors. So why would you consider an irrevocable life insurance trust (ILIT)?

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Majority of Americans Live Paycheck to Paycheck

According to the research, 54 percent of consumers in the US (125 million adults) are living paycheck to paycheck and 70% have less than $15,000 saved for emergencies.

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How to Stop Living Paycheck to Paycheck

Controlling spending may be hard, but it’s not impossible. Here are some ideas to help you get started.

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Invest with Income Taxes in Mind

While taxes alone should never drive your investment decisions, minimizing their impact matters.

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When Spouses Are Co-owners

Spouses who own a business together know the challenges of mixing their personal and professional lives. But what happens if the time comes when one partner wants something different? Here are a few options to consider when divorce, the desire to pursue a different occupation, or loss of interest in the business affects your business partnership.

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Investment advisory services offered through Cambridge Investment Research Advisors, Joseph Prokop, Investment Adviser Representative. Cambridge and On Target Financial are not affiliated.
On Target Financial and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.

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