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Health care is a line item that rarely shrinks in retirement. Premiums, copays, and prescriptions accumulate over the years, so trimming avoidable costs preserves cash flow. One lever many retirees overlook sits inside Medicare itself:…
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San Diego has long been a magnet for retirees, and it’s easy to see why. With its temperate climate, beautiful beaches, vibrant cultural scene, and top-tier healthcare options, it offers an ideal lifestyle for those…
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California Capital Gains Tax works just like income tax—the state treats profits from selling stocks, bonds, real estate, or other assets as ordinary income. Unlike the Federal government, which separates short-term and long-term capital gains,…
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Think California inheritance tax is going to take a bite out of what you inherit? Here’s the surprising truth: California doesn’t have an inheritance tax. But don’t relax just yet. Federal estate taxes, property tax…
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Most people assume the California estate tax is just another cost of living in the Golden State. But here’s the surprise: California doesn’t currently have a state-level estate tax. Sounds like good news, right? Not…
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Today I’m sharing everything you need to know about Per Stirpes. In fact, this confusing Latin word recently saved our client from sending over $500,000 to the wrong beneficiary. (And she didn’t need an attorney…
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If you’re retired or planning to retire in the next decade, Congress just made decisions that directly affect you and your financial future. On July 4th, 2025, lawmakers passed the “One Big Beautiful Bill Act”—an…
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The Investment Policy Statement (IPS) is a document that dictates how you invest your money. If you’re working with a financial advisor, the IPS will also dictate how they invest your money for you. The…
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