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David Holland, CPA, CFP®, hosts PlanStrongerTV™, a financial variety program featuring fascinating guests and a wide array of topics – from the psychology of money to retirement planning to estate planning. Make David Holland your source for interesting information that affects your pocketbook and helps you PlanStronger™ for your financial future.
Watch a promo for an upcoming episode below or click on More PlanStrongerTV™ to explore more previews and guest interviews from episodes of PlanStrongerTV™
David Holland is an author and a financial columnist.
David Holland writes a weekly column on personal finance. You can read his latest column, or peruse the Archives, at www.HollandColumn.com. David has written columns on a wide variety of topics related to retirement planning and managing your personal finances. In the Archives, you will find valuable information (in plain English!) on retirement income planning, investing, life insurance, long-term care, and many more financial topics. These are issues that affect almost everyone.
When an item, or a destination, is made available to only a certain group of people, it seems very exclusive, so everyone wants the item – or to visit that particular location. Back in the 1970s, when disco was the rage, there was a wild, and wildly popular, nightclub in New York City. Its patrons were famous actors, actresses, singers, musicians and artists. Unless you “were someone” or “knew someone,” you didn’t get in the door. I’m sure there are still places like that today, but none rival the notoriety this particular club attained. Still, when morning came, and the cleaning crew turned on the lights, wasn’t this “just another nightclub?” In this instance, the “restrictive entry policy” of this club serves as a good analogy for stocks/securities that are only offered to certain individuals, namely, “accredited investors.” I had someone ask me if those investments are any “better” than the ones offered to the general public. You might be surprised by the answer.
First, we’ll start by defining an accredited investor. According to investor.gov, “[an] accredited investor, in the context of a natural person, includes anyone who:
• earned income that exceeded $200,000 (or $300,000 together with a spouse) in each of the prior two years, and reasonably expects the same for the current year, OR
• has a net worth over $1 million, either alone or together with a spouse (excluding the value of the person’s primary residence).”
David has also written two books in his Confessions of a Financial Planner series: Secrets to a Secure Retirement and How to Get Great Advice & Avoid Financial Scams. The mission of this series is to provide easily accessible information on a wide variety of topics concerning personal finance. Everyone is affected by money issues and, yet, there are few resources available to answer even the most basic of questions in Plain English. It is David's goal to write books that anyone, from any walk of life, can pick up and relate to. He keeps it simple and doesn't use industry jargon to talk over the reader's head.
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