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Saving for College

| April 5, 2014 | 0 Comments

According to a 2011 report by the Census Bureau, a college graduate can earn over 80 percent more during his or her lifetime than someone with just a high school diploma. But that advantage comes with a price tag. Currently, the annual cost of a four year private college can top $30,000 for tuition, fees, […]

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Extra Crispy

| March 3, 2014 | 0 Comments

By now, it can’t come as a surprise to San Diegans that California is facing one of the worst droughts in recorded history, and according to one report, maybe the worst since 1580. In a recent interview on KPBS, CAL FIRE San Diego Deputy Chief Kelly Zombro stated that local brush moisture levels are at […]

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What Happens to Your Digital Assets?

| February 3, 2014 | 0 Comments

As more and more of our life moves from filing cabinets and desk drawers into “the cloud,” it is becoming more important to plan for the management of your electronic assets at death or disability. Think about your iTunes library. Or (for the six people reading this column who don’t own an Apple product) think […]

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Have You Reviewed Your Beneficiary Designations Lately?

| December 31, 2013 | 0 Comments

When was the last time you reviewed the beneficiaries for your retirement accounts and insurance policies? When you open a retirement account or buy an insurance policy, part of the process is determining who will receive the assets when you pass away: your beneficiary. Unfortunately, many people never review those choices, even when life changes. […]

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Financial Fraud is on the Rise

| December 5, 2013 | 0 Comments

Recently, financial companies have seen a marked increase in the incidence and sophistication of financial fraud, especially through email. Charles Schwab has informed us that industry-wide attempts at financial fraud have increased more than ten-fold over the past five years from 30,000 per year to more than 300,000. At a recent meeting with other financial […]

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Rental Car Insurance

| October 1, 2013 | 0 Comments

It’s probably safe to say that most of us have been there before. You’ve just gotten off of a long flight, and you’re ready to start your vacation. The rental car shuttle has just dropped you off at the counter, and after the tedious search to confirm your reservation, you get the following question: “Would […]

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The Value of a Financial Advisor

| September 4, 2013 | 0 Comments

We Americans tend to be a very optimistic bunch. It’s part of our national character and some might even say part of our DNA. Perhaps that’s why casinos are so popular despite certain knowledge that the odds are against us. How else could you explain spending $1 for a lottery ticket with odds against us […]

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Presidio Little League Season Ends

| July 2, 2013 | 0 Comments
Presidio Little League Season Ends

  Chalk lines, trimmed grass, close plays, chanting teammates and cheering parents making up the sights and sounds of little league baseball came to an end for the Presidio Little League at Sefton Field on Saturday June 8th. The official season ended for twelve teams of Padres playing in four divisions but play will go […]

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What Does a Smoke Break Really Cost?

| July 1, 2013 | 0 Comments

I was recently struck by how much money Americans spend on healthcare every year. The figure is astounding: almost 18 percent of all spending in our economy goes to health care. So I thought it might be interesting to break out some of the costs of one of America’s favorite bad habits: smoking. Of course, […]

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Financial Planning for the Terminally Ill

| June 2, 2013 | 0 Comments

Preparing for the Worst Unfortunately, this seems to have become a theme for me lately as a colleague and a client both recently asked me to help them prepare for an imminent death in the family. Estate planning in general is a complex, difficult and often emotional process. Having to rush the planning by doing […]

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