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Spring 2023 Newsletter

Bank failures…just what we didn’t need at this current inflection point in the economy. Shades of 2008, but with a different twist. Should we be surprised? No, because it is now apparent that many bankers are not good risk managers. So now along with war, fear of recession, inflation, homelessness, crime, political partisanship that borders on embarrassment, we also [...]

May 12th, 2023|

U.S. Bank Failures: What Happened and What We’re Watching

On March 10, regulators announced the closure of Silicon Valley Bank, an institution that specialized in providing banking and financial services to the technology and life sciences industries as well as private equity and venture capital firms. “Nearly half” of U.S. venture‑backed technology and life science companies bank with Silicon Valley Bank, according to the company. With more than [...]

March 15th, 2023|


February 03, 2023 Resolutions Phil Albitz, CFP® I know it’s February, but Happy New Year everybody. Healthy and happy in 2023 is a resolution we should all embrace. With that said, I'm going to suggest 5 more resolutions to make for a more successful financial 2023. 1) Get your estate in order. If you don’t [...]

February 12th, 2023|

Why Your Gas Bill Just Went Up

February 02, 2023 Why Your Gas Bill Just Went Up By Paul Miloe, CRPS® If you receive billing from a gas utility, your January bill was likely an unwelcomed surprise. For many in the U.S., natural gas bills saw significant increases over the past year. Here in southern CA, one of the local utilities, SoCalGas, [...]

February 11th, 2023|

Qualified Charitable Distribution in 2022? Don’t Forget to Report It

February 06, 2023 Qualified Charitable Distribution in 2022? Don't Forget to Report It By Clete Albitz, CFA, CFP® One growing gifting strategy that many investors have utilized is the qualified charitable distribution (QCD). A QCD is a distribution from an IRA for those over the age of 70 ½ issued directly to a charitable organization. [...]

February 11th, 2023|

New Law Allows Tax-Free 529 Plan Rollovers to Roth IRAs

January 25, 2023 New Law Allows Tax-Free 529 Plan Rollovers to Roth IRAs By Vance Albitz, CFP® 529 plan savers can now transfer unused funds while keeping the tax benefits. The recently signed $1.7 trillion government spending package has a provision that allows Americans to roll money from a 529 plan to a Roth IRA, [...]

February 10th, 2023|

RMD Changes for IRA Beneficiaries in 2023

February 08, 2023 RMD Changes for IRA Beneficiaries in 2023 By Sylvia Salguero, Financial Advisor Calculating Required minimum distributions, or RMDs, has always been complicated, due to confusing tax rules that depend on the type of beneficiary, when they inherited the account and who was the person they inherited from. The SECURE and CARES Acts that [...]

February 8th, 2023|
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