Personal Finance

Our Financial Advisors in Santa Clarita provide one-on-one personal finance strategies and Wealth Management services to select families, business owners and professional entertainers and athletes. Our Financial Advisors in Southern California are experts in helping individuals and businesses with financial planning and investment advice. Clients benefit from our financial advice in not only protecting their financial assets but growing them over time with our unique Advance and Protect Financial Strategies.
Our Private Wealth Management services for high net worth individuals encompassing financial planning, estate planning and tax strategies.

What Beneficiaries Need To Know

2016-12-14T17:06:12-08:00

Beneficiaries: What do you do when an account owner passes away? If your loved ones have invested, saved or insured themselves to any degree, you may be named as a beneficiary to one or more of their accounts, policies or assets in the event of their deaths. While we all hope “that day” never comes, [...]

What Beneficiaries Need To Know2016-12-14T17:06:12-08:00

Less Protection for Inherited IRAs

2016-12-14T17:06:13-08:00

They are no longer exempt from creditors & bankruptcy proceedings. A SCOTUS ruling raises eyebrows. On June 12, 2014, the Supreme Court ruled 9-0 that assets held within inherited IRAs by non-spousal beneficiaries do not legally constitute “retirement funds.” Therefore, those assets are not protected from creditors under federal bankruptcy statutes.1,2 This opinion may have [...]

Less Protection for Inherited IRAs2016-12-14T17:06:13-08:00

The Question Marks Surrounding Wall Street Trading

2016-12-14T17:06:13-08:00

Wall Street Trading: What don’t we know about the way the markets work? In a perfect world, the financial markets would be entirely transparent and without mysteries. In this imperfect one, we have financial markets reliant on high-speed trading and dark pools, both of which are imperfectly understood. Thanks to the bestselling Flash Boys: A [...]

The Question Marks Surrounding Wall Street Trading2016-12-14T17:06:13-08:00

Couples Retiring on the Same Page

2016-12-14T17:06:15-08:00

Agreeing about what you want from retirement is crucial. What does a good retirement look like to you? Does it resemble the retirement that your spouse or partner has in mind? It is at least roughly similar? The Social Security Commission currently projects an average retirement of 19 years for a man and 21 years [...]

Couples Retiring on the Same Page2016-12-14T17:06:15-08:00

Medicare Enrollment Options for 2014-15

2016-12-14T17:06:15-08:00

A summary of what you need to know. Key Medicare enrollment periods are approaching. This fall and winter, there are three periods in which Medicare beneficiaries can either enroll or disenroll in forms of coverage. * Oct. 15-Dec. 7: Open enrollment period. This is when you can exit Original Medicare (Parts A & B) for [...]

Medicare Enrollment Options for 2014-152016-12-14T17:06:15-08:00

Alternative Approaches to Retirement Planning

2016-12-14T17:06:16-08:00

Is the conventional wisdom for everyone? Questioning traditional assumptions about retirement planning can be illuminating. Some retirement planners and economists argue that they need to be reexamined. Does most retirement planning focus on the future at the expense of the present? One noted economist makes that case. Laurence Kotlikoff, the former White House economic advisor [...]

Alternative Approaches to Retirement Planning2016-12-14T17:06:16-08:00

FATCA: What It Is, How It Affects Investors

2016-12-14T17:06:17-08:00

Offshore accounts are receiving a new level of scrutiny. The federal government implements new rules to fight tax dodgers. As of July 1, 2014, the Foreign Account Tax Compliance Act (FATCA) is in effect. FATCA requires something new of foreign financial institutions: they must now report any assets held by American citizens, U.S. “persons,” U.S. [...]

FATCA: What It Is, How It Affects Investors2016-12-14T17:06:17-08:00

Bad Spending Habits That Can Be Corrected

2016-12-14T17:06:18-08:00

A little frugality may lead to a lot of financial progress. Americans have a great deal of disposable income relative to many other nations, yet our free spending can take us further and further away from the potential for financial freedom. Some people fall into crippling spending habits and injure their finances as a consequence. [...]

Bad Spending Habits That Can Be Corrected2016-12-14T17:06:18-08:00

Donating Highly Appreciated Stock

2016-12-14T17:06:19-08:00

Donating Stock - It can give you a tax break. It can give a charity a tax break in the future. Why sell shares when you can gift them? If you have appreciated stocks in your portfolio (and you hold them in a non-qualified account that doesn’t get special tax treatment), then you might want [...]

Donating Highly Appreciated Stock2016-12-14T17:06:19-08:00

When a Windfall Comes Your Way

2016-12-14T17:06:21-08:00

What do you do with big money? A first-world problem, and nothing more? Not quite. Getting rich quick can be liberating, but it can also be frustrating. Sudden wealth can help you resolve anxieties about funding your retirement or your children’s college educations, and newfound financial freedom can lead to time freedom – greater opportunity [...]

When a Windfall Comes Your Way2016-12-14T17:06:21-08:00
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