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In this article, I’m sharing the 10 most important questions to ask a financial advisor in 2026—plus a step-by-step process for choosing the right one. I’m also sharing the biggest red flags to watch for…
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If you’re retired or planning to retire in the next decade, Congress recently 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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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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In this article, I’m sharing what a letter of instruction is and EXACTLY how to write one. In fact, ignoring this simple estate planning task could cause major challenges for your heirs if you pass…
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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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In this article, I share seven San Diego Financial Advisors to consider in 2026. I also provide dozens of free resources to help local retirement savers find a qualified professional. So, if you need help…
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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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