Blog
AI's Role in Shaping Our Tomorrow: A Look Ahead
While artificial intelligence (AI) is making headlines today, the concept of "thinking machines" can be traced back to ancient philosophers and mathematicians. The phrase artificial intelligence was first used in the mid-20th century,...
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Top 10 Questions High Net Worth Individuals Ask About Social Security
Social Security, the program you may have spent a lifetime paying into, is designed to offer stability, supplemental income, and other valuable benefits that can play a role in your overall financial strategy after you retire. We've...
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Understanding the September Effect: What It Is and Why It Happens
If you ask the average investor which month is the most volatile for the stock market, they will probably say October. It's a reasonable answer, but it's incorrect. Despite October's reputation for market-defining events like the...
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Don't Get Hooked: A Guide to Recognizing and Avoiding Phishing
As financial professionals, we understand how vital it is to safeguard your personal and financial information. Unfortunately, in our increasingly digital world, cybersecurity risks, such as phishing attacks, have become a prevalent...
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When is the Best Time to Retire?
The right time to retire depends on several factors, including your financial situation, health, and personal goals. There are four main timeframes for retirement: early retirement, retiring "on time," late retirement, and working...
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Money Tips for Parents Sending Children Off to College
You’ve done a great job teaching your children vital life lessons and instilling values that will last a lifetime. As summer ends and a new school year begins, one thing that shouldn’t be overlooked, especially for...
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Attention Parents and Grandparents of College-Bound Students: FAFSA Gets an Overhaul
Changes are coming to the complicated form that students must submit to qualify for college financial aid, known as the Free Application for Federal Student Aid (FAFSA).The Department of Education is calling it the “most...
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The 6 Biggest Mistakes DIY Investors Make and How to Avoid Them
IntroductionOver the last several months, I have met with quite a few self-proclaimed do-it-yourself (DIY) investors who, after struggling with the markets in 2022, approached me asking for a second opinion. Interestingly, almost every...
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How the SECURE 2.0 Act Changed 529 Plans
Changes to 529 Plans in the SECURE 2.0 ActThe SECURE Act was initially passed by Congress at the end of 2019 and was intended to improve retirement savings opportunities. It was a big deal at the time and the most significant...
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Rising Above the Noise
The investment world is full of noise. Don't listen to the talking heads. Do your own research and focus on your own goals. Invest for the long term, diversify your portfolio, and don't panic. With a sound financial plan, you can rise above
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Qualified Charitable Distributions
A Qualified Charitable Distribution (QCD) is a tax-efficient way for IRA owners aged 70 1/2+ to donate up to $100,000 annually to charity. Consult with a financial advisor to learn more. #charitablegiving #taxplanning
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Mega Backdoor Roth IRA – Is It Right For Me?
Learn how to supercharge your Roth savings? A Mega Backdoor Roth strategy could give you the ability to stash away $43,500 per year into a Roth.
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A Financial Coach Is a Lot Like a Personal Trainer. Let Us Explain.
A personal trainer inspires, motivates, and guides their clientele to success. They help you set and achieve goals and keep you accountable. A financial coach does the same thing, but for your finances.
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Trick Yourself into Building Wealth
About 10 years ago, a colleague of mine saw that I tracked every dollar I spent out of my checking account. She teased me about my $5 bagel. Not what I paid for it, but rather that I took the time to track it on a spreadsheet. I...
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Social Security Ex Spouse Widow's Benefit
Last week we had an interesting question come our way regarding Social Security. There is often fear around making the wrong decision regarding financial matters. We wanted to share this with you as our firm's mission is to help our...
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7 Things to Look for in a Financial Planner
A financial planner’s job is to help you figure out where you stand financially, and to design a cost-effective plan to meet your goals. However, anyone may call themselves a financial planner these days. It is important to be...
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Preparing for Your Company’s IPO
Finally, all of the hard work has paid off. Your organization has a bright future in making the next big step in its journey, and it can be yours too. As we have seen with many startup employees, going public will surely change your...
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Small Company Mandate in CA: Retirement Savings Plan
Over the last decade, the California legislature has been pushing to solve the growing problem of retirement insecurity among private sector workers in the state. The CalSavers Retirement Savings Board was established with the goal to...
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Give Yourself the Opportunity to Take Risk
Lately, it seems like everyone is a stock picker. There is a buzz in the air of excitement, greed, and opportunity. We recognize that you must take some degree of risk to have the opportunity for reward. Take these steps first....
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