Discretionary Investing Defined

Discretionary Investing Defined

Recently, one of our clients asked us to define Discretionary Investing. It’s natural to have questions throughout your financial planning journey.  Whether you thoroughly researched your options or you jumped in blindly and now you’re backtracking . . . we’ve got answers for you.  It’s our pleasure to meet you where you are and help…
Continue Reading

Stock Market Crash: When Will it Happen + How to Prepare

Stock Market Crash: When Will it Happen + How to Prepare

Today we are talking about the next stock market crash and how to prepare. You’ve probably heard the media making all kinds of predictions: “The stock market is overvalued. It can’t keep going up forever. It’s an election year, so the stock market is going to crash!” And yeah, it’s fun to listen to the…
Continue Reading

Per Stirpes: What Does This Funny Word Mean + Is it Right for You?

Per Stirpes: What Does This Funny Word Mean + Is it Right for You?

Today I’m going to explain exactly what per stirpes is. In fact, this funny Latin word recently saved our client from sending over $500,000 to the wrong beneficiary. And she didn’t even need to hire an attorney to fix it! If you want to make sure your money is inherited by the right people, you’ll…
Continue Reading

How to Get the Most from Broadcom’s 401(k), ESPP & RSUs

How to Get the Most from Broadcom’s 401(k), ESPP & RSUs

Here’s a step-by-step guide on how to use Broadcom’s 401(k) plan and other employee benefits to save for your retirement. As an employee for Broadcom, you can take advantage of several fantastic options for retirement savings. Broadcom’s 401(K): Traditional 401(k) vs Roth 401(k) Broadcom recently made changes to their 401(k). You now have a few…
Continue Reading

Step-by-Step How to Lower Taxes in Retirement

Step-by-Step How to Lower Taxes in Retirement

Recently, a new client visited our office. He had a good problem to have; he had saved too much money! With most of his money in a traditional IRA account, he was worried about the taxes. He came to us wanting to know how to lower taxes in retirement. Fortunately, there are many ways to lighten taxes in…
Continue Reading

You Can’t Invest Yourself Out of a Savings Hole

You Can’t Invest Yourself Out of a Savings Hole

Recently, I saw a wonderful post on Twitter. It’s too good not to share: “You can save your way out of an investment mistake. You can’t invest your way out of a savings mistake.” – Tom Conlon — Dan Egan 🤓 (@daniel_egan) May 1, 2018 This is a fantastic point. It’s such a good point…
Continue Reading

Should I Buy Extra Insurance from My Job?

Should I Buy Extra Insurance from My Job?

Should you purchase extra insurance through your job? It’s a question many employed folks must answer as they navigate through any number of employer benefits. While receiving health insurance for free is a no-brainer, there is a trickier question: Does it make sense to buy disability insurance, term life insurance or any other benefit through…
Continue Reading

How to Fix a Big Social Security Mistake

How to Fix a Big Social Security Mistake

If you’re nearing retirement and are worrying about having enough money, there’s a huge mistake you should know about. This big mistake is taking Social Security benefits as soon as possible. Instead of signing up to receive Social Security retirement benefits at age 62, wait until you’re 70 (if you can afford it.) Why should…
Continue Reading