Life Insurance or 401(k)?

Life Insurance or 401(k)?

I love reader questions – and always jump at the chance to answer them. Today’s question comes from Phillip. Phillip just had his first kid, Alexander. Being a good parent, Phillip is making progress towards three vital things for new parents: Life Insurance Disability Insurance A Will Like any budget-conscious person, Phillip is aghast at the…
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Roth 401(k) vs Traditional 401(k)?

Roth 401(k) vs Traditional 401(k)?

Today’s post is inspired by a client, who asks about his Roth 401(k): I just looked at my 401k account and I have the option to do a Roth 401K. What are your thoughts between traditional and Roth? I’m a strong believer in the Roth option. I’ve got a few reasons why. Tax Arbitrage The…
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What a Trump Presidency Means for Your 401(k)

What a Trump Presidency Means for Your 401(k)

A few nights before the election, my wife and I were out for a walk with our Jack-a-Bee. The topic of the presidency came up. Our conversation went something like this: Lien, my wife: Hilary is going to win the election. Me: I wouldn’t be so sure. Lien: All the polls show Hilary is in…
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A Simple Guide to College Savings Plans

A Simple Guide to College Savings Plans

Why should you consider college savings plans? $440,223! That’s why! $440,223 is the estimated cost to send my unborn child to my alma mater – The University of Arizona – in 18 years. It’s also close to the median home price in San Diego. Here, see for yourself and share in my misery:      …
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What’s the Easiest Way to Save Money?

What’s the Easiest Way to Save Money?

What’s the Easiest Way to Save Money? You may be asking this question if you can’t manage to save money (or if you can’t save as much money as you’d like to). You may think saving money means you need to budget and stick to that budget by diligently tracking every purchase you make. That’s…
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San Diego Real Estate: Better to Buy or Rent?

San Diego Real Estate: Better to Buy or Rent?

While a lot of the guidance I offer as a financial advisor is based on my financial expertise, some of my best advice comes from the belly of life experience. And let me tell you, I don’t really hold back – especially when my life experience might help a client avoid a huge mistake. One…
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Why Jerry Seinfeld Was Right About Public Speaking

Remember that famous Jerry Seinfeld joke about public speaking? He references a study that said people are more fearful of speaking in front of a crowd than death. If true, it means the average person attending a funeral “would rather be in the casket than doing the eulogy.” This one: That’s me. I’m one of…
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