Net Unrealized Appreciation

For readers nearing retirement, it is advisable to review your investment allocation. Yes, the stock market has attained all-time highs as recently as July 15, 2019, and that is notable because people think more about retirement as late stage bull markets reach new heights. Swelling 401(k) balances logically seem congruent with near-retiree optimism and confidence that you may have finally…

What You Should Know about Rollover IRAs

As the landscape for career-oriented professionals has shifted in recent decades, fewer and fewer employees stay with one employer from date of hire through the day they retire. Rather, more frequently, people change jobs seeking new professional experiences, and explore their professional options in an effort to catapult their career vertically at a more rapid rate.

#Men&$

I’ve written articles about women being excellent decision makers and how their thoughtful decisions and patient approach can lead to investment success. But, you know the old adage, “you can please some of the people all of the time, and all of the people some of the time, but never all of the people all of the time?” Well, that…

Women & Investing

While gender equality in the workforce arguably has room for improvement, and so too does the persistence of a pay gap, there should not be a gap in financial literacy or investing confidence between women and men. Yet studies suggest that women believe they have less financial savvy than their male counterparts. That’s an erroneous belief because women innately possess…

Stash Cash & Be Prepared

Markets and economies move in cycles. And, as you may know, we’re 10 years into this current expansion. Yet, many people have become accustomed to sustained growth in the value of their stock, bond and real estate portfolio, and they have unknowingly been influenced by a theory economists refer to as the “wealth effect.” You may be familiar with the…

Building a Successful Investment Portfolio

Building and designing a successful investment portfolio is subjective, as each investor has a different definition of achieving success. Because success is articulated differently for investors, it’s plausible to see how the portfolio building process can be part “art” and part “science.” Of course, if it were only science it would be much easier because we would know definitively the…

Financial Health & Economic Wellness

Health and wellness are common topics at the launch of a new year. And, for good reason, given the habitual practice of setting New Year’s resolutions to achieve a better, more rewarding future in the year ahead. But, with the events of November, and the worst fires to strike Malibu in 25 years if ever, we are reminded that health…

Attitude & Gratitude

As we approach the close of another year, we can enjoy the returns earned in the stock, bond, and real estate investment portfolio in a variety of ways. And, while having more wealth accumulated now than ever before is comforting, it is equally, if not more rewarding to use your increased economic power to help others. The holiday season is…

Waste? Or, Best Money Ever Spent?

A rewarding and exciting part of investing is watching portfolio asset values grow over time to meet and achieve the financial goals that you set out to accomplish years ago. It is also satisfying to witness a retirement portfolio generate sufficient income to provide for a lifestyle in retirement like the one lived during peak earning years. And, really the…

You (and Your Community) 

 Article Jeff Runyan  At the end of the day, humans are generally selfish and our existence, for better or worse, is often an effort in “preservation of self.” That means what’s best for you, what’s best for your family, and it extends further into what’s best for your community.  However, before one can focus on helping their community, they must first make sure their…