# Financial Advisor in Santa Clarita, CA Virtue Wealth Management

> Fiduciary Financial Advice You Can Understand.


## Posts

- [Artificial Intelligence Best Practices](https://virtuewm.com/artificial-intelligence-best-practices/): How to effectively and securely use AI tools What is Artificial Intelligence? Artificial Intelligence (AI) is a branch of computer science focused on creating systems that can perform tasks typically requiring human intelligence, such as learning, reasoning, problem-solving, understanding language, and recognizing patterns. By using algorithms and large datasets to simulate cognitive functions, AI can adapt to new information and make decisions with minimal human intervention. AI can be used to power and automate endless different technologies when used effectively. Large Language Models (LLMs), a subset of artificial intelligence, are transforming industries by enabling machines to understand and generate human-like  [...]
- [9 Facts About Social Security](https://virtuewm.com/9-facts-about-social-security/): Social Security has been a fact of retirement life ever since it was established in 1935. We all think we know how it works, but how much do you really know? Here are nine things that might surprise you. The Social Security trust fund is huge. It was $2.7 trillion at the end of 2024.1 Most workers are eligible for Social Security benefits, but not all. For example, until 1984, federal government employees were part of the Civil Service Retirement System and were not covered by Social Security.2 You don’t have to work long to be eligible. If you were  [...]
- [The Rise of Crypto Jacking](https://virtuewm.com/rise-of-crypto-jacking-bitcoin/): A New Form of Malware Slowing Down Machines With the growth of digital currencies and online transactions, cryptocurrency has grown to become an everyday topic. Cryptocurrency is a virtual form of currency that operates on a decentralized network called the blockchain. Crypto mining is the process used to create new currencies by using computer processing power to solve complex math equations to add more coins to the blockchain. This process is legal, though controversial because of the difficult nature to provide all the processing power and infrastructure for this process. Crypto Jacking is a cyber-attack where threat actors install malicious  [...]
- [Account View 2.0 Cybersecurity](https://virtuewm.com/account-view-cybersecurity/): View Your Accounts Securely Using Account View 2.0 LPL Financial takes the security and privacy of our products seriously. To safeguard data, we advocate for security in the conception, design, and implementation of our investor-facing platforms, like Account View 2.0. We strive to build the most innovative, secure, and empowering tools for financial professionals and their clients, and encourage our third-party partners and the industry to join us in that commitment. Security is an evolving journey and as cybercriminals change their tactics, we adapt and accelerate our security posture to stay one step ahead. One of the benefits of using  [...]
- [Account Takeovers and How to Defend Against Them](https://virtuewm.com/account-takeovers-how-defend-against-them/): Account Takeovers – What Account Takeovers Are and How to Defend Against Them What is an Account Takeover? Account takeovers occur when an unauthorized user gains access to an account. The severity of the takeover depends on a variety of factors, including what account they gained access to, what their intentions are, and how long they have access for. Bad actors typically attempt to gain access through a few different techniques, including social engineering tactics and technical exploits. Once an attacker has access, they can use the account in whatever manner they desire. Including potentially stealing more login information, payment  [...]
- [Call Center Scams - How They Work](https://virtuewm.com/call-center-scams-how-they-work-avoid-being-victim/): How call center scams work and how to avoid falling victim Have you ever received a call about your cars extended warranty? Or perhaps from a company posing to be an IT solution about your computer that needs fixing? In today’s everchanging, technological landscape, the reports of scam calls have been growing at an unprecedented rate, leading to millions of individuals falling victim each year. Falling victim not only leads to potential financial losses but also can lead to emotional and mental distress for targets. By understanding how these scams work, individuals can be better prepared to recognize their tactics  [...]
- [A Look at Whole Life Insurance](https://virtuewm.com/whole-life-insurance/): Are you a fit for Whole Life Insurance? In exchange for fixed premiums, an insurance company promises to pay a set benefit when the policyholder dies, but also offers additional benefits as well. Whole life insurance policies can build up cash value — effectively a cash reserve that pays a modest rate of return, and the growth is tax-deferred. Guarantees are based on the claims-paying ability of the issuing company. Most whole life insurance policies allow policyholders to borrow a portion of their policy’s cash value. Access to the cash value can allow you to pay for things like college  [...]
- [Renters Insurance - Does it Make Financial Sense?](https://virtuewm.com/renters-insurance/): Renters sometimes overlook the need for insurance based on the belief that they may not have a significant amount of personal possessions, or because the property is already insured by the owner. While it is true that a rental property is insured by the owner, the destruction or loss of your personal belongings is not. But, that’s not the only risk renters need to worry about. The typical renter’s insurance policy can cover your possessions against losses arising from fire, smoke, lightning, theft, vandalism, explosion, wind storm and water damage (excluding floods). Even if you don’t believe that the value  [...]
- [All Muni Bonds Are NOT Created Equal](https://virtuewm.com/muni-bonds-not-created-equal/): The city of Detroit emerged from bankruptcy in 2014. Still, its previous inability to pay investors left some questioning their long-held assumption about the relative safety of municipal bonds. Without question, in the wake of Detroit’s troubles, gaining a better understanding of municipal bonds makes more sense than ever.1 At their most basic level, there are two types of municipal bonds:2 General obligation bonds, which are a promise by the issuer to levy taxes sufficient to make full and timely payments to investors. Revenue bonds, which are bonds whose interest and principal are backed by the revenues of the project  [...]
- [File a Claim or Not? Home Insurance](https://virtuewm.com/home-insurance-file-or-not-file/): Insurance is meant to protect you against financial loss. But is it really meant to protect you from any and all financial loss? When it comes to filing a loss claim on your home insurance, there may be times when not filing may be the wisest course of action.1 According to one study, the national average premium increase after filing a homeowners insurance claim is 9%, although this number varies depending on your specific location.2 What About My Premium? Some insurance companies may protect you against premium increases. However, if filing a claim means your premium will rise, you may  [...]
- [A Decision Not Made Is Still a Decision](https://virtuewm.com/planning-401k-non-retirement-investing/): Whether through inertia or trepidation, investors who put off important investment decisions might consider the admonition offered by motivational speaker Brian Tracy, “Almost any decision is better than no decision at all.” This investment inaction is played out in many ways, often silently, invisibly, and with potential consequences to an individual’s future financial security. Let’s review some of the forms this takes. Your 401(k) Plan                                                One of the worst decisions may be the failure to enroll. Not only do non-participants miss out on one way to save for their retirement, but they also forfeit any potential employer-matching contributions. Not participating  [...]
- [Bucket List and Lifetime Financial Goals](https://virtuewm.com/bucket-list-financial-goals/): A Bucket Plan to Go with Your Bucket List John and Mary are nearing retirement and they have a lot of items on their bucket list. Longer life expectancies mean John and Mary may need to prepare for two or even three decades of retirement. How should they position their money?1 One approach is to segment your expenses into three buckets: Basic Living Expenses— Food, Rent, Utilities, etc. Discretionary Spending — Vacations, Dining Out, etc. Legacy Assets — for heirs and charities Next, pair appropriate investments to each bucket. For instance, Social Security might be assigned to the Basic Living  [...]
- [Brief Guide to Condo Insurance](https://virtuewm.com/condo-insurance-brief-guide-tips/): A Brief Guide To Condo Insurance The ownership structure of a condominium unit is different from that of a single family house. Here’s what you need to know when purchasing insurance for your condo.1 1. Understand the Master Policy Since the ownership of all common areas is shared with other condo owners, the association of owners typically purchases insurance coverage (a master policy) for the common areas, e.g., hallways, exterior walls, etc. The condo association’s policy will outline what is covered and what is not. 2. Three Types of Coverage There are three basic types of coverage under a master  [...]
- [Important Birthdays Over 50](https://virtuewm.com/important-birthdays-over-50/): Age 50 At age 50, workers in certain qualified retirement plans are able to begin making annual catch-up contributions in addition to their normal contributions. Those who participate in 401(k), 403(b), and 457 plans can contribute an additional $7,500 per year in 2025. Those who participate in Simple Individual Retirement Account (IRA) or Simple 401(k) plans can make a catch-up contribution of up to $3,500 in 2025. And those who participate in traditional or Roth IRAs can set aside an additional $1,000 a year.1,2 Age 59½ At age 59½, workers are able to start making withdrawals from qualified retirement plans  [...]
- [Retirement Strategy After a Job Loss](https://virtuewm.com/retirement-strategy-after-job-loss/): Few events are more stressful and disruptive than an unexpected job loss or layoff. For many, it’s a hit not just to finances but also to confidence and sense of self. You’re not alone if you’ve been laid off—or if the idea is an all-consuming concern. According to a November 2024 MarketWatch survey, 70% of workers have taken concrete steps to prepare for a layoff, and about six million Americans “lose or leave” their jobs each month.1,2 Whether or not a job loss or layoff comes unexpectedly, you may have more choices than you think. Here are a few things  [...]
- [Can I Create a Roth IRA if I'm Over the Income Limit?](https://virtuewm.com/can-i-create-roth-ira-if-over-income-limit/): Yes, you might be able to create a Roth individual retirement account (IRA) if you’re over the income limit. This strategy involves converting a traditional IRA to a Roth IRA. The idea, often referred to as a “backdoor Roth conversion,” is sometimes used by individuals whose incomes exceed the current limits for direct Roth IRA contributions. Keep in mind that there are pros and cons associated with a backdoor Roth conversion, including tax consequences. This article provides a high-level overview that should be used for informational purposes only. Tax, legal, and accounting professionals can provide more detailed insights about the  [...]
- [Doggy Pay Care - Budgeting for Pet Care](https://virtuewm.com/budgeting-financial-expenses-pet/): Creating a Budget for Dog Parenthood Are you thinking about bringing a loyal, frisbee-chasing, treat-seeking, sock-stealing, face-licking, tail-wagging, bed-cuddling Canis familiaris into your life? If so, you’re in good company. According to Forbes Advisor, 65.1 million U.S. households own a dog, making it the most popular pet by far (cats are second, at 46.5 million households). To help you create a budget for dog parenthood, consider these typical expense items and general cost estimates: INITIAL COSTS Adoption or purchase fee. If you’re adopting from a shelter, the fee may range from $50 to $300, whereas purchasing from a breeder can  [...]
- [Unravelling the Rising Cost of Living](https://virtuewm.com/inflation-rising-cost-of-living-strategies/): Understanding What Drives Higher Prices Can Help Improve Retirement Planning According to the Employee Benefit Research Institute’s 2024 Retirement Confidence Survey, 83% of workers are concerned that the higher cost of living will make it harder to save as much as they want toward retirement. If you’re like most retirement savers, you’ve likely had concerns over the rising cost of living over the past few years. And for younger workers, it’s the first time you’ve experienced an elevated inflation rate as an investor. The cost of living, which reflects the amount of money required to maintain a certain standard of  [...]
- [Roth or Regular? Your 401k or IRA Choices](https://virtuewm.com/roth-regular-ira-401k-choices/): Taking Advantage of a Roth Contribution Option Can Give You Some Flexibility in Retirement According to Vanguard’s “How America Saves 2024,” 82% of employers offer a Roth 401(k) option in addition to a traditional, or regular, 401(k) option. However, just 17% of employees contribute to a Roth. If you have access to a Roth 401(k) option through your employer, it can add some diversity and flexibility to your retirement income and tax strategy. Roth or regular? Here’s what to consider: Contributions Contributions to a Roth 401(k) are made with after-tax dollars, unlike a traditional 401(k) where contributions are made with  [...]
- [3 things to know about the coming estate tax exemption sunset](https://virtuewm.com/3-things-to-know-about-the-coming-estate-tax-exemption-sunset/): Tax Cuts and Jobs Act is scheduled to sunset. Get your planning done soon so you don’t miss out. “Due to personally owned life insurance and estate growth over time, more clients than you might think could be impacted by the estate tax sunset.” The current estate tax exemption amount is historically high, but it’s scheduled to “sunset,” on December 31, 2025, unless Congress takes action. Many people believe they don’t have enough assets for federal estate taxes to ever apply to them, but if this sunset occurs, more may be impacted– and if not immediately, at some point in  [...]
- [How Biden's Withdrawal Impacts Your Investments](https://virtuewm.com/bidens-withdrawal-impact/)
- [Spoofing - Have You Been a Victim?](https://virtuewm.com/spoofing-online-security-tips-protection/): In the FBI’s 2023 Internet Crime Report, email spoofing has cost the world over $18 million and leads all other categories with the most complaints filed. An average of 3 billion spoofing emails are sent per day. Understanding how to identify and avoid them can prevent you from becoming a victim and keep your accounts secure. Cybercriminals are using the email spoofing tactic to trick users into divulging sensitive information that may lead to financial fraud and potentially identity theft. What is Spoofing? Spoofing occurs when bad actors send emails or other correspondence purportedly from legitimate businesses. Spoofing can also  [...]
- [Market Performance Remains a Tale of Haves and Have-Nots](https://virtuewm.com/market-forecast-update-haves-havenots/)
- [Stock Market Forecast: Double Digit Earnings Growth on Tap](https://virtuewm.com/stock-market-double-digit-growth-forecast/)
- [Medicare A, B, C, and D - Making Sense of it all](https://virtuewm.com/medicare-a-b-c-d-making-sense/): With its four distinct parts, Medicare can be an alphabet soup of complexity. We provide an overview of the various components and how they impact your healthcare costs. Medicare is available to virtually all U.S. citizens and legal residents 65 years of age and over who have previously worked and paid U.S. taxes or who are/were married to someone who did.  There are four key parts to Medicare — Parts A, B, C, and D. To maximize coverage and benefits, it is critical to understand the features of each. Medicare Parts A and B are referred to as Original Medicare  [...]
- [How to Identify Investment Scams](https://virtuewm.com/investment-scams-identify/): Based on the FBI’s most recent internet crime report, investment fraud saw a 38% increase in 2023 with losses accruing up to $4.57 billion dollars. It is important to note that the FBI has seen investment scam losses increase exponentially since 2020, showing no signs of slowing down. Cybercriminals are relying on tricking victims into giving away sensitive information that will lead to financial fraud. It is vital to understand that investment scams are designed to target victims associated with various areas such as financial institutions, real estate, cryptocurrency, and more. What are Investment Scams? Investment scams are fraudulent practices  [...]
- [How We Protect Your Online Account with Us](https://virtuewm.com/online-security-your-investment-accounts/): LPL Financial takes the security and privacy of our products seriously. To safeguard data, we advocate for security in the conception, design, and implementation of our investor-facing platforms, like Account View 2.0. We strive to build the most innovative, secure, and empowering tools for financial professionals and their clients, and encourage our third-party partners and the industry to join us in that commitment. Security is an evolving journey and as cybercriminals change their tactics, we adapt and accelerate our security posture to stay one step ahead. One of the benefits of using LPL’s tools is that they’re only available to  [...]
- [3 Tax Advantages When You Invest in Qualified Opportunity Zones](https://virtuewm.com/tax-advantages-qualified-opportunity-zones-qoz/): Qualified Opportunity Zones (QOZs) come up often in financial planning conversations, particularly for clients who have a strong need to mitigate capital gains tax issues. A QOZ is a classic example of one investing tool which delivers the most value as one component of a multifaceted strategy. A QOZ has four main benefits: Defer the gain until 2026 tax year. No capital gains taxes on the new investment if you hold it for 10 years. You can still accelerate the depreciation on your new purchase, and no recapture on this after the 10-year holding period. You can invest in real  [...]
- [Deepfakes - How Scammers Overseas and in US Are Targeting You and Your Money](https://virtuewm.com/deepfakes-scammers-phishing-security/): Be aware: This article discusses the rising impact of Deepfakes and how to identify them. With the growth of technology, we’ve seen the evolution and adoption of artificial intelligence (AI) skyrocket. Looking to simplify workflows or to innovate upon existing business, cyber criminals are using these same tools to for more sophisticated cyberattacks to commit identity theft or financial fraud. One such threat is known as deepfakes. What are Deepfakes? A “deepfake” is a type of synthetic media created using artificial intelligence techniques involving deep learning algorithms. This involves the alteration of digital content such as films, photographs, or audio  [...]
- [Financial Tip: Review All Your Insurance Policies Annually to Protect Your Assets](https://virtuewm.com/insurance-policy-checklist-review-life-home-auto/)
- [8 Fun Tax Tips for Small Business Owners](https://virtuewm.com/8-fun-tax-tips-for-small-business-owners/): Small Business Owners – Dance Your Way to Tax Benefits Jazz up your financial dance floor by steering clear of the dull groove of inaccurate record keeping! Picture this: a well-choreographed routine of meticulous bookkeeping, where every dollar waltzes in and out, setting the stage for a financially focused business extravaganza. Keep those records in tip-top shape, and watch the tax trouble tango away! Your time is valuable – Consider a bookkeeper to free up more of your time to work on your moves… I mean business. If you’re a DIYer, consider apps that track your expenses and categorize them  [...]
- [Trusts - Myths and Misconceptions about Estate Planning](https://virtuewm.com/trusts-myths-misconceptions-estate-planning/)
- [Roth Conversion - Tax Strategies to Consider](https://virtuewm.com/roth-ira-conversion-tax-strategy/)
- [What to Expect Out of The Fed](https://virtuewm.com/fed-will-cut-rates-2024/)
- [Good Debt vs Bad Debt](https://virtuewm.com/good-debt-vs-bad-debt/)
- [Retirement Tips - Get Your House in Order with a Will, 529, and Life Insurance](https://virtuewm.com/retirement-tips-get-your-house-in-order-with-a-will-529-and-life-insurance/)
- [8 Metrics for Your Retirement Planning Dashboard](https://virtuewm.com/8-metrics-retirement-planning-dashboard/)
- [Retirement Tips - Paying Down Debt with Snowball or Avalanche Method](https://virtuewm.com/paying-down-debt-retirement-snowball-avalanche/)
- [Retirement Tips - Don't Make a Mistake on New RMD Calculation](https://virtuewm.com/retirement-tips-dont-make-a-mistake-on-new-rmd-calculation/)
- [Market Performance After Rate Cut - Be Careful What You Wish For](https://virtuewm.com/stock-market-performance-after-fed-lowers_rates/)
- [2023 Last Minute Tax Savings Ideas](https://virtuewm.com/2023-tax-savings-ideas-last-minute/)
- [Are You Saving Enough for Retirement?](https://virtuewm.com/are-saving-investing-enough-retirement/)
- [Is India the New China?](https://virtuewm.com/india-the-new-china-growth/)
- [Tax Changes Coming for 2025](https://virtuewm.com/tax-changes-coming-2025/)
- [Estate Planning is For Everyone](https://virtuewm.com/estate-planning-for-everyone/)
- [Certified Financial Planner Adds to Virtue Team](https://virtuewm.com/cfp-certified-financial-planner-welcome-ross/)
- [US Debt Downgrade - Why is market pulling back?](https://virtuewm.com/us-debt-downgrade-market-pullback/)
- [401k Catch Up Contributions are Changing in 2024 - Be aware](https://virtuewm.com/401k-catch-up-contributions-taxable/)
- [Should You Worry About US Debt Ceiling?](https://virtuewm.com/us-debt-ceiling-worry/)
- [How You Title Your Assets Matters](https://virtuewm.com/asset-titling-make-sure-you-do-it-right/)
- [Earnings Estimates Impressively Rose. Recession likely?](https://virtuewm.com/earnings-estimates-rose-recession/)
- [Pay it forward. How to teach your kids about money.](https://virtuewm.com/teach-kids-about-money-roth-ira/)
- [Keep Your Money Safe With These Online Shopping Security Tips](https://virtuewm.com/keep-your-money-safe-online-shopping-security-tips/)
- [Top Tips for Individuals from New Secure Act 2.0](https://virtuewm.com/top-tips-secure-act-individuals-2023/)
- [Financial Tips and Great Ideas to Help You in 2023](https://virtuewm.com/financial-tips-jan-2023-retirement-financial-plan/)
- [Four Ways Interest Rate Hikes Can Affect Your Finances](https://virtuewm.com/2023-fed-rate-hikes-interest-rates-impact-you/)
- [Earnings Up but Stocks Are Down... Not as uncommon as you'd think](https://virtuewm.com/earnings-up-stock-market-down/)
- [Maximizing Retirement Income](https://virtuewm.com/maximizing-your-retirement-income/)
- [Opinion: Consumer Inflation Falls Below 1% Over Second Half of 2022](https://virtuewm.com/2023-fed-rate-hikes-interest-rates/)
- [Financial Planning - Get the Big Picture for You and Your Family](https://virtuewm.com/financial-planning-big-picture/)
- [Understanding Capital Gains Tax (for investors)](https://virtuewm.com/undestanding-capital-gains-tax/)
- [Are Post-Election Trends Supportive of Stocks?](https://virtuewm.com/post-election-good-for-stock-market/)
- [Ask Erick: Can I Contribute to a 401k AND a Roth IRA?](https://virtuewm.com/ask-erick-contribute-401k-and-roth-ira/)
- [The U.S. Government Could Be on the Hook for $1 Trillion in Annual Interest Expenses](https://virtuewm.com/us-debt-1-trillion-interest-charges/): Do Rising Interest Rates Impact US Debt? Congress—and in particular, the House of Representatives—is invested with the “power of the purse”; the ability to tax and spend public money for the national government. And spend they have. Total outstanding government debt currently stands at just over $31 trillion and that number will likely increase, regardless of which party is in power. According to the Congressional Budget Office (CBO), total interest payments on the government’s debt could come in at nearly $580 billion this fiscal year, up from $399 billion in recently-completed fiscal 2022. As such, the federal government currently spends  [...]
- [Saving college funds for children](https://virtuewm.com/saving-for-college-with-life-insurance/): As college costs are expected to continue climbing, let me help you plan for your child’s education expenses. Life insurance can be vital in helping you save college funds for your children. Whether you’re there or not. I’ll help you determine how much you’ll need for your child’s education fund.  Here are some benefits of utilizing life insurance as part of your college savings plan. Tax advantages Life insurance offers certain tax advantages. In the event of your death, your family can choose to use the income tax-free death benefit to pay education costs. And with some types of life  [...]
- [Pensions pay guaranteed income for life.  Can you get one?](https://virtuewm.com/pensions-pay-income-for-life/)
- [Long-term Care Benefits and What They Cover](https://virtuewm.com/long-term-care-and-what-covered/): Long-term care insurance coverage can help pay for home health care, nursing home costs, adult day care and other qualifying services. Benefits are paid tax-free after qualifying conditions are met.1 If you never need long-term care, your beneficiaries will receive your death benefit, tax-free. What does long-term care insurance cover? Long-term care insurance can help pay for: Home health care Nursing home costs Assisted living facilities Adult daycare Home modifications (such as outdoor ramps or grab bars for bathrooms) Care coordination Do I need long-term care insurance? Most people over 65 have a chance of needing some type of long-term care  [...]
- [Taking Stock of Uncertain Markets](https://virtuewm.com/taking-stock-uncertain-markets/)
- [How much does life insurance cost?](https://virtuewm.com/how-much-does-life-insurance-cost/): The cost of life insurance may be less expensive than most people think. One survey found that respondents consistently overestimated the cost of term life coverage, and that half of the population estimated the cost of life insurance at more than three-times the actual cost.1 So how much does life insurance really cost? That depends on the following factors: Amount of coverage – The amount that will be paid out if you pass away Amount of time – The length of time your policy is active You – Your health, age and behaviors With term life insurance — which is generally the  [...]
- [How much life insurance do I need?](https://virtuewm.com/how-much-life-insurance-do-i-need/): Investing & retirement resources It’s not really about how much life insurance you need. It’s how much money your family will need after you’re gone. We’re here to help you make important decisions about insurance planning to protect your loved ones. The right level of coverage When buying a life insurance policy, it’s important to choose the right amount of coverage. You don’t want too much, paying for protection you don’t need. Nor do you want to have too little, leaving your loved ones under-protected. Determine how much life insurance you need There are two common methods for calculating the amount of  [...]
- [How do I choose the right life insurance product?](https://virtuewm.com/how-do-i-choose-the-right-life-insurance-product/): Common Questions Why do I need life insurance? Life insurance can offer you some reassurance that the people you love will be taken care of if a tragedy strikes. Payouts are tax-free, so that’s one less thing they will need to worry about. What is the difference between the types of life insurance? Term life insurance covers you for a length of time, and is generally the most affordable type of life insurance. If something happens to you within the term (10, 15, 20, or 30 years), your beneficiaries will receive the payout benefit. There are other types of insurance for  [...]
- [Five Things to Know About Preferred Securities](https://virtuewm.com/five-things-about-preferred-securities/)
- [Earnings Season Ends with a Whimper - Where We Go from Here?](https://virtuewm.com/earnings-season-ends-with-a-whimper/)
- [Is This the Start of a New Bull Market?](https://virtuewm.com/a-new-bull-market/)
- [Erick Arndt named one of Valley 200’s Most Influential Leaders](https://virtuewm.com/erick-arndt-valley-200-most-influential-leaders/)
- [The Three Buckets Principle](https://virtuewm.com/three-buckets-principle/)
- [There is no getting around it. Paying for college is expensive.](https://virtuewm.com/paying-for-college/)
- [Determining if it Makes Sense to Move or Remodel](https://virtuewm.com/move-or-remodel/)
- [Moving Back in With Parents After Living Independently](https://virtuewm.com/boomers-boomerang-kids-moving-back-home/)
- [Indefinitely working from home? Use this opportunity to save money.](https://virtuewm.com/working-from-home-save-money/)
- [Strategies to protect your nest egg](https://virtuewm.com/protect-your-nestegg/)
- [Breaking Down the Real Costs of Purchasing a Home](https://virtuewm.com/purchasing-a-home/)
- [Munis Offer Compelling Relative Value Over Corporate Credit](https://virtuewm.com/municipal-bonds-offer-compelling-value-over-corporate-credit/)
- [Spend Your Money with Intention - Creating a Spending Plan](https://virtuewm.com/create-a-spending-plan/)
- [You're Moving Back Home. Now What?](https://virtuewm.com/moving-back-home/)
- [Considerations When Buying Your First Home.](https://virtuewm.com/buying-first-home/)
- [Finally Some Income for Your Fixed Income](https://virtuewm.com/income-for-your-fixed-income/)
- [Wake-Up Call](https://virtuewm.com/start-your-morning-off-right/)
- [What is your debt-free forecast?](https://virtuewm.com/what-is-your-debt-free-forecast/)
- [Do you know if you’re paying too much in taxes?](https://virtuewm.com/do-you-know-if-youre-paying-too-much-in-taxes/)
- [Money Mantras](https://virtuewm.com/money-mantras/):   RP-750-1221 Tracking #1-05221484 This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material. Kmotion, Inc., 412 Beavercreek Road, Suite 611, Oregon City, OR 97045; www.kmotion.com ©2021 Kmotion, Inc. This newsletter is a publication of Kmotion, Inc., whose role is solely that of publisher. The articles and opinions in this newsletter are those of Kmotion. The articles and opinions are for general information only and  [...]
- [Everything’s Better With Bacon](https://virtuewm.com/everythings-better-with-bacon/):   RP-749-1221 Tracking #1-05221481 investment advice. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material. Kmotion, Inc., 412 Beavercreek Road, Suite 611, Oregon City, OR 97045; www.kmotion.com ©2021 Kmotion, Inc. This newsletter is a publication of Kmotion, Inc., whose role is solely that of publisher. The articles and opinions in this newsletter are those of Kmotion. The articles and opinions are for general information only and are not intended to provide specific advice or recommendations for any individual. Nothing in this publication shall be construed  [...]
- [Messy Jobs Report Unlikely to Change Rate Hike Path - Biden Economy Failing?](https://virtuewm.com/poor-jobs-report-unlikely-change-fed-rate-hike-path/)
- [Stock Market Outlook 2022](https://virtuewm.com/stock-market-outlook-2022/)
- [The Many Faces of Risk](https://virtuewm.com/many-faces-risk-investing/)
- [Time for a Year End Financial Maintenance Check](https://virtuewm.com/year-end-financial-maintenance-check/)
- [Money Well Spent - Getting a Spending Plan Can Pay Off Big](https://virtuewm.com/money-well-spent-spending-plan-budget/)
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- [401k and Retirement Plan Web Resources for Plan Sponsors](https://virtuewm.com/401k-plan-sponsors-web-resources/): For plan sponsor use only, not for use with participants or the general public. This information is not intended as authoritative guidance or tax or legal advice. You should consult with your attorney or tax advisor for guidance on your specific situation. Kmotion, Inc., 412 Beavercreek Road, Suite 611, Oregon City, OR 97045; www.kmotion.com © 2017 Kmotion, Inc. This newsletter is a publication of Kmotion, Inc., whose role is solely that of publisher. The articles and opinions in this publication are for general information only and are not intended to provide tax or legal advice or recommendations for any particular  [...]
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