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The Three Secrets to a Satisfying Retirement

| June 5, 2021 | 0 Comments

As we work towards retirement, the financial services and marketing industries bombard us with images of happy people traveling, playing golf and walking on the beach; a permanent vacation. The reality is a bit more mundane: the average retiree spends most of their time (after sleeping) watching television. For those preparing for retirement (and even […]

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Inflation – Here to Stay?

| April 5, 2021 | 0 Comments

The single greatest question facing investors at the moment is what will happen to inflation. This was highlighted with the grounding of a large freighter which recently blocked the Suez Canal, cutting off shipping between Asia, Europe and the U.S. East coast. Inflation affects interest rates and interest rates affect just about everything else. So […]

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Revocable Living Trust – Essential California Estate Planning

| March 6, 2021 | 0 Comments

A potential client recently asked me if trusts were really necessary.  All of their assets were titled in joint name, so why go through the hassle and expense of creating a trust? Let’s start with Probate. Probate fees start at four percent of the first $100,000 and reach $9,000 on the first million. Having your […]

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Financial Planning: A Case Study

| December 14, 2020 | 0 Comments

If you think financial planning is only for the rich, think again. People from all walks of life can benefit greatly from planning their finances. A recent situation I was involved in demonstrates how a long-term approach is critical, and how you need to be careful where you are getting your financial advice. Some family […]

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Investing in the “New Normal”: Now what?

| June 8, 2020 | 0 Comments

As I write this article, it appears that the current outbreak of the COVID-19 pandemic has peaked in most U.S. states. State and local lock-down orders are being eased, but it’s an open question as to what will pass for a new normal while the pandemic continues. Even as some states begin to open up, […]

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Ronin Factory Makes $100,000+ Donation to Meals on Wheels San Diego County

| May 11, 2020 | 0 Comments
Ronin Factory Makes $100,000+ Donation to Meals on Wheels San Diego County

San Diego based apparel company Ronin Factory gave a large donation to Meals on Wheels San Diego County. The money was collected from proceeds from every single order they received in the final two weeks of their normal monthly truck giveaway, as well as direct donations by their customers. What started out with a goal […]

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Diplomats, Not Dictators

| February 1, 2020 | 0 Comments
Diplomats, Not Dictators

Government Charged to Represent Its Constituents Being involved in a small business and assisting other small businesses around the country has some real benefits, versus working in big corporate America. I have done both in my lifetime and have valued these experiences.  One moves slower, has layers of bureaucracy, and, also tends to be more […]

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Charitable Gifting Today

| December 4, 2019 | 0 Comments

The Tax Cuts and Jobs Act of 2017 eliminated or capped a lot of itemized deductions for most taxpayers. While deductions for charitable gifts were preserved, raising the standard deduction meant that many taxpayers lost the benefit of all but the largest donations. Here are some strategies that you can use to squeeze out the […]

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Interest Rates are Very, Very Low

| September 3, 2019 | 0 Comments

Over the past few weeks, stock market volatility has risen and the yield on the 10-year Treasury Note has plummeted to the lowest levels since 2016. Roughly one quarter of all bonds outstanding trade at negative yields, mostly outside the U.S. With long-term interest rates lower than short-term rates in the U.S., let’s review some […]

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Should I Buy or Lease My Next Car?

| August 6, 2019 | 0 Comments

For some people, the decision whether to buy or lease a car is simply a matter of preference. But which is the better financial decision? To answer this, you must evaluate long-term cash flows and winnow out the (often hidden) costs. This can be difficult to do, especially when the salesman is tapping his finger […]

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