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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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Most retirees budget for Medicare premiums. What they don’t budget for is paying 2–3x more than their neighbor for the exact same coverage. That’s what IRMAA does. If your income crosses certain thresholds, Medicare adds…
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In this article, I’m sharing the top questions to ask a financial advisor in 2026. I’m also sharing how to choose a financial advisor. Hiring an advisor is one of the BIGGEST financial decisions you’ll…
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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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