About Ethan Broga

Ethan is head of the Financial Planning Committee which oversees the development and expertise of Empirical’s financial planning recommendations. He holds an M.S. in financial planning and is a Certified Financial Planner®.

How can I reduce my taxes?

One of the questions we receive most frequently is, “How can I reduce my taxes?” When asked to elaborate, many prospective clients cannot give more detail; they just know they want to reduce their tax burden. While there are no magical strategies to completely erase taxes, there are strategies we help our clients employ that […]

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Health Care Planning: What Are My Options?

Not many of us enjoy learning about health insurance or dealing with insurance providers. Whether it is about the cost, trying to compare the coverage under each kind of insurance, or simply learning about the different available options, chances are that you may find the effort confounding. Here we delve into a few aspects of […]

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What Are MyRA Accounts, And How Do They Work?

In the 2014 State of the Union Address, President Obama proposed a new retirement savings program known as “myRA” retirement accounts.  This program, created by executive order of the President and managed by the US Treasury, is intended to provide a simple and affordable method to begin saving for retirement, particularly for people who may […]

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Stocks Are Hitting All-Time Highs, Now What?

In the past several weeks, as the market has been hitting new highs, we have received several questions about what this means for investors.  A common viewpoint is that if the stock market is hitting all-time highs, this must have implications about where the market is headed in the near future.   The last time markets […]

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Enhanced Index Investing: Capitalizing on Market Returns

Traditional Funds vs. Index Funds vs. Enhanced Index Funds A common investment myth, among professional and non-professional investors alike, is that with easy access to copious amounts of financial and economic information, it is easy to determine to some extent, where markets are going and profit accordingly.  This is evident from the large amount of […]

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Filed Social Security too early: What to do when you wish you hadn’t

Most people choose to take Social Security at age 62, electing to receive reduced benefits.  Another option is to wait until the “Full Retirement Age” (which varies based on your birth date).  Each year you choose to forego accepting Social Security (up to age 70) boosts your benefits by 6% to 8%. Keep in mind […]

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The “Fiscal Cliff” and You

As 2012 comes to a close, investors are counting down the days until the end of the year, at which time the United States will go over the “Fiscal Cliff” (a set of deficit-reducing policies that include tax increases and spending cuts), unless politicians can reach an agreement on the fiscal budget.  If they are […]

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