Insights

Drawing on our deep industry knowledge, we assist clients with access to a wealth of insights and educational resources. Here, you can gain valuable perspectives on current market dynamics and explore our comprehensive retirement resources, offering a collection of financial planning, wealth management, and investment strategies.

Timely Q & A

A lot of our clients want to know what is meant by the term parabolic rise in a stock price. A parabolic rise is best shown by this illustration. You get a stock that’s basing, the price just stays stable, goes up and down a little bit, and then some news comes out and “boom”

Homeowners Insurance Woes

While the financial markets have been on the mend in 2023, the property and homeowners insurance markets have been facing very difficult times. In states like CA and FL where there have been repeated and widespread events like wildfires, hurricanes, and flooding, homeowners seeking to insure their property are being faced with a declining array

The Silent Generation: A Generation of Strength and Resilience (1928-1945)

In our recent Spring Newsletter, we highlighted the Baby Boomer, Gen X, Millennial, Gen Z, and Gen Alpha generations. We did this “Just So You Know” article to explain exactly what birth years are associated with the different generations. Somehow, we failed to mention the group of people who laid the foundation for the generations

TD Ameritrade and Charles Schwab Transition Timeline

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RMD Changes for IRA Beneficiaries in 2023

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 passed in 2019, and their related provisions and IRS rules are adding to the

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

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. The organization receives the full gift and the donor’s taxable income is reduced by the amount of the

Resolutions

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 have a will or a trust, make

Why Your Gas Bill Just Went Up

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, sent a letter in Jan to customers shortly after sending billing notices to help

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

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, free of both income taxes and penalties. The rollover measure will take effect in 2024. The rollover

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