Tagged with life insurance

“SAFE MONEY” IN TODAY’S ENVIRONMENT

“SAFE MONEY” IN TODAY’S ENVIRONMENT

We live in interesting times.  Interest rates are at historical lows while stocks are at historical highs.  Most experts in the financial industry would agree that stock valuations are stretched and there is currently quite a bit of risk in the stock market.  Most financial planners would tell you that you need safe assets in … Continue reading

EVERYONE NEEDS AN ADVISOR

EVERYONE NEEDS AN ADVISOR

This article will be somewhat biased given the fact that I am a financial advisor.  Having said that, I truly believe if you can find a competent and trustworthy financial advisor, they can be worth their weight in gold. Many people mistake investment planning for financial planning. Investment planning is just one component of overall … Continue reading

THE TAX DRAIN

THE TAX DRAIN

I wanted to officially congratulate everyone for making it through another tax season.  We are now in financial freedom territory.  This means you get to keep what you earn versus it going to the government.  If you live in California, “Tax Freedom Day” was April 27th.  That means up until April, 27th, all your earnings … Continue reading

A TAXING TIME

A TAXING TIME

Tax rates are at historical lows with capital gains rates at 15% and ordinary income tax rates at 10-35%.  What a lot of people don’t realize is that in times past, capital gains rates have been as high as 77% with the top ordinary income tax rate as high as 94%.  Add to this estate taxes … Continue reading