CLEAR AND CONCISE
 FINANCIAL ADVICE®

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Money Tips: Teach Your Children About Money

I thought Thanksgiving week was the perfect time to update this article on teaching kids and grandkids about money. There are few topics where your insights will be more valuable. All parents pray that their children and grandchildren will never have to worry about where their next meals will come from, or work in a …View Article

New Retirement Plan Contribution Limits for 2019

Does it seem like forever since the Treasury Department increased the amount you can contribute to an IRA? It turns out that the limit has been stuck at $5,500 (if you are under 50) and $6,500 if you are 50 or over, for six years. Those limits are being increased to $6,000 and $7,000 respectively, …View Article

Never Argue About Money: 7 Tips

Money is a hot button issue in many relationships. It’s common for spouses to have different spending and savings priorities. This often leads to conflict since these financial decisions affect so many aspects of a couple’s lives. Usually, one spouse is more focused on the present and places a higher priority on using money to …View Article

Worried About the Stock Market?

It’s hard to believe the stock market was hitting new highs just five weeks ago. October has been a rough month. I know some people are getting nervous based on questions or comments I’ve heard from friends, neighbors, and clients. One person asked me whether they should proceed with buying a house in light of …View Article

Mortgage Interest Deduction – FAQs

Last year, I was listening to an interview of six different economists on NPR. The topic was which tax and spending policies were good or bad for America. Two things shocked me: 1) that six economists could agree on anything, and 2) the one thing they agreed on was that the home mortgage interest deduction …View Article

2018 3rd Quarter Market Review & Outlook

Every quarter, I look forward to the commentary & outlook column written by my esteemed colleagues, Robert Luna (Chief Investment Officer) and Luis Galdamez (Director of Research and Trading). This quarter’s commentary did not disappoint. The information is especially timely considering recent market volatility. We are also proud to include the insights of Jeremy Siegel …View Article

Longevity Insurance = Deferred Income Annuity

I was recently speaking to a client who has numerous relatives in their mid-90s to early 100s. We all pray for good health and long lives, but sometimes, we do not consider the potential financial ramifications of living so long. Many people buy life insurance to provide funds for their loved ones in case they …View Article

Car Purchase: New or Used?

Automobiles are among the biggest ticket items you’ll ever purchase. In fact, the average person buys 13 cars over a lifetime. The average cost of a new car in 2018 is approximately $35,000 according to Kelley Blue Book. Therefore, it’s really important to make good financial decisions when buying cars. The biggest decision is whether …View Article

Retirement Investing: What’s a Reasonable Rate of Return?

One the many important decisions as you transition into retirement is: “How should I invest for this new chapter of life?” If you are reading this article, there is a good chance you are a prudent saver who has been saving and investing throughout your career. Now you need to figure out your retirement investing …View Article

Planned vs. Actual Retirement Age

One of the questions on every pre-retiree’s mind is: “When should I (or can I) retire?” The average reported retirement age for Americans who are already retired is 61. This is lower than the age at which people are retiring today. A recent poll from the U.S. Census Bureau shows that the average age of …View Article