.
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…
Continue Reading
.
If you’re over 70½ and still writing checks to charity from your bank account, you could be leaving thousands of dollars on the table every year. Here’s why: A qualified charitable distribution (QCD) lets you…
Continue Reading
.
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…
Continue Reading
.
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…
Continue Reading
.
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…
Continue Reading
.
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…
Continue Reading
.
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…
Continue Reading
.
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,…
Continue Reading