Posts by webteam

Financial Advising, Big Picture Risks and Your Life

When some financial advisors think of money, they imagine dollar signs and signers. Most of the clients we see in our California offices, on the other hand, have an expanded view. For them, having money and managing it properly is about having an ideal life. It’s about family, charitable giving, your home and your legacy.…

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Managing the Effects of Millennial College Graduates on Boomers' Retirement Planning

Managing the Effects of Millennial College Graduates on Boomers’ Retirement Planning It’s a great thing that society values education, but millennial college graduates can affect your financial goals. Unfortunately, little thought is put into managing the effects of college graduates on retirement planning. In many cases, the millennial college graduates can have a lasting negative…

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What I Should Know About My Thrift Savings Plan

Thrift Savings Plans and The Investment Fund Allocation Choices As with all things, understanding the Big Picture can help tremendously in your financial goals. A Thrift savings plan, or commonly known as TSP, is a retirement program offered to Federal Employees. A Thrift Savings plan allows the employee to contribute dollars towards their retirement on…

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Old Fashioned Financial Independence

Old Fashioned Financial Independence Are you looking to become financially independent? True financial independence calls for a combination of hard work, discipline, and a few simple steps which I will outline here.

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How to Create Income During Retirement

How To Create Income During Retirement Want to learn how to create income during retirement? Your strategy used will be determined during the accumulation phase or the preservation stage.  Today I will discuss what to focus on when you are ready to retire.  Focus should be placed on creating the income you need and how…

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Multiple 401k Plans and Options

Multiple 401k Plans and Options Here are some common questions we get asked when it comes to 401k plans. “These days many people have moved around, from job to job, ending up with multiple 401k plans. What should I do? Leave the 401k where it is, move it to my new employer, or simply covert…

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4 Items to Review During Retirement

Items to Review During Retirement Analyze your current portfolio.  How much risk are you currently taking?  What is the amount of volatility you are willing to accept and does your portfolio reflect that?  If you know that you cannot bear more than 10 percent fluctuation when the market is down, is your portfolio positioned accordingly?…

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Cash Value Life Insurance – Advantages and Disadvantages

Cash Value Life Insurance – Advantages and Disadvantages Cash value life insurance has been a big controversy amongst financial planners over the years.  Some say it is a great tool because you can build a retirement account to offset your retirement income on a tax free basis.  Others say it is a terrible investment because…

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Do I Need an Investment Advisor?

Do I Need an Investment Advisor? Most of us are busy with work, kids, church, walking the dog, possibly caring for an elderly parent, and a variety of other responsibilities that consume our day.  With all that we have going on, we tend to have little to no time for ourselves.  We often neglect things…

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Fundamentals of Investing

Fundamentals of Investing Don’t fall prey to herd mentality With the government shutdown and other worldwide uncertainties, by “not following the herd,” the investor has opportunity.   When we have wars, natural disasters, government regulation, interest rate fluctuation, high unemployment, etc., downturns in the market often occur and investors often run for the hills. However, for…

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