Investment Advice Santa Rosa – COUPLES RETIRING ON THE SAME PAGE

July 22nd, 2014 → 8:51 pm @ // No Comments

Agreeing about what you want from retirement is crucial. What does a good retirement look like to you? Does it resemble the retirement that your spouse or partner has in mind? It is at least roughly similar? The Social Security Commission currently projects an average retirement of 19 years for a man and 21 years […]

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FINANCIAL ADVICE SANTA ROSA – CLASSIC INVESTING MISTAKES

June 25th, 2014 → 8:35 pm @ // No Comments

How many can you prevent yourself from making?      Year after year, in bull and bear markets, investors make some all-too-common blunders. They have been written about, talked about, and critiqued at some length – and yet they are still made. You can chalk them up to psychology, human nature, perhaps even a degree of peer […]

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Financial Advice Santa Rosa – THE ECONOMY HEADS FOR NORMAL

May 29th, 2014 → 6:10 pm @ // No Comments

A look at the fundamentals affirms the hunch. The stock market may be up and down this year, but America’s economic recovery seems to be proceeding at a decent pace. Anyone who wants some evidence of that can find it in some key fundamental financial indicators. Pessimists may counter: didn’t the economy grow just 0.1% […]

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Tax Advice Santa Rosa – DO YOUR INVESTMENTS MATCH YOUR RISK TOLERANCE?

May 14th, 2014 → 5:14 pm @ // No Comments

When was the last time you looked at the content of your portfolio? When turbulence hits Wall Street, are you stressed out? If you have taken on too much risk in your portfolio – which can happen through intention or inattention – stock market volatility may make you anxious. So from time to time, it […]

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Tax Advice Santa Rosa – WOMEN, LONGEVITY RISK & RETIREMENT SAVING

April 23rd, 2014 → 11:00 pm @ // No Comments

Statistics point out the need to save early, save consistently & stay invested. Will you live to be 100? If you’re a woman, your odds of becoming a centenarian are seemingly better than those of men. In the 2010 U.S. Census, over 80% of Americans aged 100 or older were women. Will you eventually live […]

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Tax Advice Santa Rosa – HOW LTC INSURANCE CAN HELP PROTECT YOUR ASSETS

April 4th, 2014 → 5:13 pm @ // No Comments

Create a pool of healthcare dollars that will grow in any market. How will you pay for long term care? The sad fact is that most people don’t know the answer to that question. But a solution is available. As baby boomers leave their careers behind, long term care insurance will become very important in […]

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Tax Advice Santa Rosa – WHY DO WE SAVE SO LITTLE?

March 13th, 2014 → 8:49 pm @ // No Comments

What’s good for the economy isn’t necessarily good for our future. Our parents & grandparents saved much more than we do. Most people who have read up on the economy for any length of time have heard of the personal saving rate (PSAVERT), which the Commerce Department calculates as the ratio of personal saving to […]

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Tax Advice Santa Rosa – RETIRE AT 65 . . . OR NOT?

February 27th, 2014 → 12:12 am @ // No Comments

Your assets matter more than your age. Isn’t 65 the traditional retirement age? Perhaps, but baby boomers are modifying the definition of a traditional retirement (if not redefining it altogether). The Social Security Administration has subtly revised its definition of the traditional retirement age as well. If you glance at the SSA website, the “full” […]

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Tax Advice Santa Rosa – WHAT HAPPENS WHEN SOCIAL SECURITY FUNDS RUN OUT?

February 13th, 2014 → 10:26 pm @ // No Comments

Without Congressional action, Social Security will become insolvent in 2033. Benefits could shrink to 77% of the current levels and/or payments could be delayed. This subject comes up over and over again and Congress keeps kicking it down the road, not wanting to deal with the political fallout that will result if taxes are increased […]

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Tax Advice Santa Rosa – 2014 IRA DEADLINES ARE APPROACHING

January 30th, 2014 → 5:50 pm @ // No Comments

Here is what you need to know for 2014. Financially, many of us associate April with taxes – but we should also associate April with important IRA deadlines. *April 1 is the absolute deadline to take an initial IRA Required Mandatory Distribution (RMD). *April 15 is the deadline for making annual contributions to a traditional […]

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