Image of the dark storm clouds - before the rain

Three Thoughts During Scary Markets

So, remember all those times we’ve said that investment risks and expected rewards are related? Coronavirus-fueled fears, driving economic insecurities, aggravating a host of simmering global sore spots, spiraling into stomach-wrenching market sell-offs… Be it confirmed. Today’s unfolding news is the realization of those risks we’ve been talking about all along. In case you’ve forgotten – or[…..]

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Protecting the Good Samaritans: Your Safety Guide for Non-Profit Board Service

This year, we’re inviting a handful of our most trusted colleagues to share their ideas and expertise on topics of interest to our clients. For this blog, we’re happy to introduce you to Randy Koeneke. Randy is Managing Partner at Sierra Republic Insurance Solutions, a specialty property & casualty commercial insurance agency with a focus on non-profit[…..]

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Good practices for managing your household cash flow

Throughout my time working in Financial Planning, I have come to realize that living without a cash flow plan is like traveling across the country without a roadmap. It can be accomplished but not without pain and wasted time. Only 40% of Americans have some kind of cash flow plan, but those who have it agree that[…..]

Finance and medicine. Health insurance concept.

Repeal of Health Care Mandate – but not in California!

You have probably noticed the effects of the Tax Cuts and Jobs Act which was effective January 2018.  Most notable for Californians was the $10,000 limitation on the deduction of State and Local Taxes (SALT limitation). Also included in that bill was the repeal of the “individual mandate” which requires everyone to purchase health insurance if they[…..]

Golden nest egg concept for retirement savings

Looking to a SECURE 2020: You, Your Retirement and the SECURE Act

You may have missed the news – buried in a much bigger spending bill and passed in the thick of the holiday season—but after months of nearly bringing it to the finish line, it’s now official: on Friday, December 20, 2019, the Setting Every Community Up for Retirement Enhancement (SECURE) Act was signed into law. The SECURE[…..]

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The Divorce Process

The divorce process is commonly a long-drawn-out excursion filled with fear, contention, and emotion.  In this article, I will lay out the basic steps of a divorce.  I will go through a logical sequence and you should recognize that it is not always in this order.  Many of these concepts are similar in all states, but divorce[…..]

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Six Financial Best Practices for 2020

What a year it’s been. Remember December 2018? As The New York Times reported at the time, “Stocks plunged in December [2018], posting their worst monthly loss since the financial crisis and the worst December since 1931 and the Great Depression.” It’s amazing how quickly memories fade and markets move on. Around this time last year, we[…..]

2020 goals notepad

Setting Goals for the New Year

With the New Year (and new decade!) approaching, you may be thinking about resolutions for 2020. Beginning a new year can be an exciting and hopeful time and is the perfect moment to reflect and formulate new goals. These goals can range from changing bad habits to learning new skills, from refining existing skills to improving relationships[…..]