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Tolerate the Volatility

Look beyond this moment and stay focused on your long-term objectives. Volatility will always be around on Wall Street, and as you invest for the long term, you must learn to tolerate it. Rocky moments, fortunately, are not the norm. Most attribute “the market” to company stock, but because there are various assets classes and…

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Managing Sudden Wealth

Sudden Wealth

What do you do with big money? Getting rich quick can be liberating, but it can also be frustrating. Sudden wealth can help you address retirement saving or college funding anxieties, and it may also give you the opportunity to live and work on your terms. On the other hand, you’ll pay more taxes, attract…

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Investing Even When Money Is Tight

For millennials, today is the right time. If you are under 30, you have likely heard that now is the ideal time to save and invest. You know that the power of compound interest is on your side; you recognize the potential advantages of an early start. There is only one problem: you do not…

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Money Management Wisdom

Take these financial lessons to heart.  You have a chance to manage your money better than previous generations have. Some crucial financial steps may help you do just that. Live below your means and refrain from living on margin. How much do you save per month? Generations ago, Americans routinely saved 10% or more of…

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Are You Fully Covered?

Take a moment to see if you are adequately protected. Not all home insurance policies are alike. Coverage amounts obviously vary, and so do coverage areas. Taking ten minutes to scrutinize what your policy does (and does not) cover is a wise idea. Tricia London with Alandale Insurance Co. in Los Alamitos states, “Insurance companies…

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Your Trust May Not Be A Wealth Transfer Strategy


Basic estate planning documents may not communicate your intentions to effectively transfer wealth. There are three degrees of estate planning: advanced, basic, and none at all. Basic is better than none, but elementary estate planning can still leave something to be desired. While appropriate documents may be in place, they may not be able to…

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Life Insurance with Long Term Care Benefits


Are they worthwhile alternatives to traditional Long Term Care policies?  The price of long-term care insurance has really gone up. If you are a baby boomer and you have kept your eye on it for a few years, chances are you have noticed this. Last year, the American Association for Long-Term Care Insurance (AALTCI) noted…

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Are You At Risk of an Audit?

Risk is low, unless you show the I.R.S. some conspicuous “red flags” on your return. AUDIT Fewer than 1% of Americans have their federal taxes audited. The percentage has declined recently due to Internal Revenue Service budget cuts. In 2016, just 0.7% of individual returns were audited (1 of every 143). That compares to 1.1%…

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