CalSavers Program Information

February 1, 2021By Bethany W

On September 29, 2016, Governor Jerry Brown signed into law Senate Bill 1234, also known as CalSavers. CalSavers mandates that all California employers must offer either a retirement plan for their employees or join the CalSavers program as an alternative. The program defines employees as anyone over the age of 18 who are paid by … Read More

Facts About Medicare Open Enrollment

November 27, 2020By Phil Clark, CPWA®,CFP®

How much do you know about the different coverage options? Presented by Philip Clark, CFP®, November 2020 Medicare’s open enrollment period runs through December 7. If you are enrolling in Medicare for the first time, you will discover that it is much more complex than an employer-sponsored group health plan.1 When you are enrolled in Medicare, … Read More

Quarterly Client Letter – Q3 2020

October 30, 2020By Phil Clark, CPWA®,CFP®

Happy campaign season!  I hope everyone is as tired of political ads as I am, and if you are not, good news, there’s one more week! I rarely and with good reason, discuss politics in these letters. However, I recently wrote a piece comparing the two tax plans from the major presidential nominees and the … Read More

How Women Can Prepare For Retirement

October 28, 2020By Bethany W

A practical financial checklist for the future. Presented by Philip Clark, CFP®, September 2020 When our parents retired, living to 75 amounted to a nice long life, and Social Security was often supplemented by a pension. The Social Security Administration estimates that today’s average 65-year-old woman will live to age 86½. Given these projections, it … Read More

“Backdoor” Roth IRAs

September 22, 2020By Bethany W

If you make too much money to open a Roth IRA, you could create one this way. Presented by Philip Clark, CFP®, September 2020 You can sum up the appeal of a Roth IRA in three words: federal tax benefit. Potential earnings in a Roth IRA grow tax free as long as the owner abides … Read More

Quarterly Client Letter – Q2 2020

August 17, 2020By Bethany W

This last quarter saw violent fluctuations in the capital markets, which have shaken the very core of retail investing for private clients as well as created massive stimulus actions by the federal government. Good thing we didn’t have anything else going on at the time! Oh, wait. COVID-19 has blanketed our country for a second … Read More

Quarterly Client Letter – Q1 2020

April 16, 2020By Bethany W

A computer programmer named David Cook started a company in Dallas, Texas in 1985. After two years, Cook sold the company Blockbuster for $18.5 million, missing one of the most impractical run-ups in history. By 1992, this once small retail shop was sold again for $8.4 billion. By the late 90s, Cook’s bright idea for … Read More

The Major Retirement Planning Mistakes

February 15, 2020By Bethany W

Why are they made again and again? Providedby Philip Clark, CFP® Much is out there about the classic financial mistakes that plague start-ups, family businesses, corporations, and charities. Aside from these blunders, some classic financial missteps plague retirees. Calling them “mistakes” may be a bit harsh, as not all of them represent errors in judgment. … Read More

A Retirement Fact Sheet

January 21, 2020By Bethany W

Some specifics about the “second act.” Provided by Philip Clark, CFP® Does your vision of retirement align with the facts? Here are some noteworthy financial and lifestyle facts about life after 50 that might surprise you. Up to 85% of a retiree’s Social Security income can be taxed. Some retirees are taken aback when they … Read More

Women & Money Paralysis

October 14, 2019By Bethany W

In support of breast cancer awareness month, we are focusing the next few articles on wealth issues impacting women. This article will cover retirement must-haves. We encourage you to donate to charitable organizations of your choosing. Not only it is a great tax saving strategy, it also just makes you feel good. If you would … Read More