Teach Your Young Adult Children to Handle Their Finances

California gets an “’F’ when it comes to preparing our children for the real world of money,” says the most recent report by the Champlain College Center for Financial Literacy. The Center graded every state on their efforts to produce financially literate high school graduates, and California scored close to the bottom. There’s just no […]

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10 Ways to Teach Children Financial Literacy

In our wealth management practice, we are often asked how our clients can best teach their children about money to help them down a path to becoming prudent financial managers as adults. Gained in more than three decades of service, the following are some of the best techniques we’ve learned to help families pass along […]

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Improve Your Financial Health

Blood bath. Frenzy. Sell off. Spooked investors. Wild session. Stocks plunge. Crazy market swings. These are just a few of the sensational phrases the financial media use to describe stock market activity. These phrases are designed to evoke emotions like excitement, anxiety, and even downright panic, and the intention in using phrases like this is to compel the audience to take an action. Whatever action you are urged to take […]

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2021 Financial To-Do List

Happy New Year! Now that 2020 is a wrap, let’s capitalize on the New Year momentum and build a plan for tackling those financial to-dos that keep getting put off. Taking on an entire year at once can seem daunting, so I like to focus on the first half of the year, January through June. […]

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Mortgage Refinancing 101

You may have been hearing a lot about mortgage refinancing during the pandemic, and with good reason: the Federal Reserve has dropped interest rates twice to stimulate the economy, which has led to historically low mortgage rates. But if you are considering a refi, you might want to act sooner rather than later. The Government-Sponsored […]

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Tune Out Investing Noise, Tune in Solid Advice

Media outlets are full of daily investing “advice” in the indistinguishable form of facts, opinions, and even advertisement of financial products. Unfortunately, this “advice” often seems so convincing that investors feel the urge to take impulsive action. Often, these actions lead to costly investment mistakes. Here are a few tips to help keep your investment […]

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Commentary: Fall 2019

A Tale of Two Decades: Lessons for Long Term Investors The first decade of the 21st century, and the second one that’s drawing to a close, have reinforced for investors some timeless market lessons: returns can vary sharply from one period to another; holding a broadly diversified portfolio can help smooth out the swings; and, […]

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Commentary: Spring 2019

LOTTERY WINNINGS At the end of the last quarter, it was announced that one lucky ticket holder had won a $768 million Powerball Lottery. In an instant that person’s life changed – if they received the lump sum payout (which is usually the right thing to do in these situations), they would get $477 million […]

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Willow Creek Commentary: Fall 2018

DIVERSIFICATION – WHERE’S THE BENEFIT As the financial media shouts, “Stocks soar to new highs,” and promotes the strong performance of the S&P 500 or the Dow Jones Index, investors may be asking “Where are my investment returns?” So far, 2018 has proven to be a year when all asset classes other than US Large […]

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