Done Buying Diapers? Don’t Forget About College

As college tuition soars, saving early for education is one of the best decisions parents and grandparents can make. If your children or grandchildren plan to attend college, a 529 savings plan is a great way to save. The earlier you begin, the longer you can save, and the more your money can benefit from […]

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Aging Parents: How to Support Independence as a Family

In many ways, I was blessed with parents who aged well. My father passed away recently, but they both celebrated their 90th birthdays last year and lived active and independent lives. But the time of real cognitive and physical decline did finally befall them. My father had been in a bad accident and spent over […]

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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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Market Commentary: Spring 2020 – The CARES Act

The CARES Act The following is a summary of major provisions of the Coronavirus Aid, Relief, and Economic Security “CARES” Act. The Act is a complex piece of legislation and it covers many areas; our focus will be on how it impacts individuals. We would welcome speaking to you about it and if it might […]

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Preparing for a Successful Retirement: Start Now

If you are within 20 years of retiring, now is the time to start planning so that you can make more informed decisions about your future and be financially and emotionally prepared for one of life’s biggest transitions. Though individual situations vary, these basic recommendations should be considered by anyone preparing for retirement. The sooner […]

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3 Ways Health Savings Accounts Help You Plan for Retirement

Many people don’t realize that a health savings account, or HSA, can be a powerful retirement savings vehicle. The reason is, from a tax perspective, the HSA is unique and offers a triple tax benefit: The money you contribute reduces your taxable income. Money within an HSA grows tax-deferred. Withdrawals are tax-free as long as […]

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What’s on your Financial To-Do List for 2014?

Originally Published in the North Bay Business Journal Some surprising resolutions for financial success in the New Year Almost everyone makes resolutions at the start of a brand new year. Last year, more than half of Americans added a financial goal to their list, according to a Fidelity study. Are any of these smart money […]

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How the Wealthy Get that Way: 5 Habits to Increase Wealth

Originally Published in the North Bay Business Journal With the end of the year fast approaching, and New Year’s resolutions just around the corner, it seems like a good time to consider our financial health. With that in mind, I thought I’d share a few of the habits I’ve seen in some of our most […]

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Future Shock: Behavioral Science Turns Spenders into Savers

How Behavioral Science is Turning Spenders into Savers Jason Zweig has written a really interesting article on why it is so difficult for people to set aside money for the long-term future. Stanford and other university economists, neuroscientists and psychologists are working on innovative ways to address this problem. One fascinating experiment creates an avatar […]

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