June 18, 2019 A Lesson on Patience I Learned from My Dad Phil Albitz, CFP® Today I’m going to talk about some investment lessons I learned from my Dad. My Dad passed away about 20 years ago. He was a hard working man who gained common sense from experience. I learned [...]
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So far Vance Albitz has created 62 blog entries.
June 10, 2019 New Mandate for All Employers in CA By Paul Miloe, CRPS® If you own a business in CA and currently do not offer an employer-sponsored retirement plan (such as a SEP, SIMPLE, 401(k), etc.), take note that as of July 1, 2019, CA has implemented the mandatory [...]
June 18, 2019 For Millenials, the Housing Market Now Looks Much Different Than It Used To By Vance Albitz, CFP® Mortgage rates recently dropped below 4% for the first time since early 2018, adding to the likelihood of a revival in the housing market going into the summer. Lower rates to [...]
June 3, 2019 Understanding Net Unrealized Appreciation By Clete Albitz, CFP® Employer stock held within an employer retirement plan is eligible for favorable tax treatment on the “Net Unrealized Appreciation” (NUA) of the stock if certain requirements are met. NUA is the difference between the cost basis and current value [...]
January 14, 2019 The Markets: Wouldn't It Be Nice Phil Albitz When I was driving home the other day, I was listening to the radio and that old Beach Boys tune, Wouldn’t it Be Nice was playing. You know, "wouldn’t it be nice if we were older"...you know the song. [...]
March 8, 2019 When It Makes Sense to Invest in Gold (And When it Does Not) By Vance Albitz, CFP® We often look to Warren Buffett for investing advice. When it comes to gold (and other precious metals), it is clear Buffett does not own any in his investment portfolio. [...]
March 12, 2019 Tax Change and IRA Management Fees By Paul Miloe, CRPS® With 2018 tax filing season underway, the realities of the Tax Cuts and Jobs Act of 2017 (effective in 2018) are now being understood. The big change most taxpayers have noticed was the substantial increase to the [...]
March 11, 2019 Don't Expect an "Average" Market Return in 2019 (Or Any Other Year) By Clete Albitz, CFP® When we hear about annual long-term equity returns, quoted figures typically range between 8 and 12% depending upon the type of equities under evaluation (i.e. large cap vs. small cap, growth [...]
March 14, 2019 The Genie and the Market Phil Albitz When I was in the 6th grade, I remember writing a report on John Calhoun. He was the vice president under John Quincy Adams and Andrew Jackson from 1825 to 1832. He wouldn’t make it as a pillar of society [...]
March 12, 2019 Early Retirement Considerations By Sylvia Salguero, Financial Advisor Have you decided to retire early? Say at 62, when you’re able to start collecting benefits from Social Security? Your investment accounts have done well for a period of time, so they should continue to perform as well to perpetuity, [...]