Location, Location, Location! How Asset Placement Can Save You Taxes

Asset Placement is a popular discussion among financial planners (we’re a nerdy bunch). Asset Placement is determining what type of account (IRA, Roth IRA, trust, etc.) should hold what type of investment (bonds, US stocks, foreign stocks, real estate, etc.). If you ignore asset placement and you are agnostic as to tax consequences, you are probably paying[…..]

Hitting the Books during Spring Break

As kids, most of us anticipated Spring Break as a time to escape from reading, books, or anything that remotely resembled “heavy” thinking. However, as I’ve gotten older, I find that I anticipate Spring Break or any vacation as a great opportunity for leisure reading. With that in mind, I have a handful of Spring Break-worthy books related[…..]

Understanding Your Social Security Benefits; Changes April 2016

Recently, enjoying a dinner out with good friends, I learned my girlfriend’s husband was about to turn 66.  I tried to focus on the fabulous dinner, but honestly, I was thinking, “What are your plans for claiming Social Security benefits?”  A financial planner plans in so many environments, not just in the office! When the time was right, I asked! […..]

A Little Irish Inspiration – Living Simply and Happily

“May the road rise to meet you…” and other pearls of wisdom inspired by St. Patrick’s Day. Green beer, corned beef, and the traditional Irish blessing that starts “May the road rise to meet you…” receive varying degrees of attention and contemplation—depending on your proclivities—around St. Patrick’s Day. Regardless of your opinions on beer and Irish food,[…..]

UK Spending Cuts An Example To US?

How refreshing it’s been to follow the recent elections in the UK! (And, how much less painful than watching the process in California!)  The new coalition government in the UK made a promise that, if elected, they would balance their budget that would result in several years of economic pain.  They were voted in and now they’re delivering on[…..]