6 Year-End 2016 Tax Planning Tips and Reminders

Don’t let the year slip away without doing a little tax planning – the financial benefits will be worth your time. All of the below tips and reminders must be done by December 31, or you either forfeit the opportunity or pay penalties. 1. Max Out Qualified Plan Contributions If your cash flow can stand it […]

Happily Self-Employed: 10 Tips to Finding Bliss as Your Own Boss!

A friend who recently left her corporate job and is now self-employed asked me how I manage to run a business while still enjoying an active, interesting life outside of work.  She wanted some suggestions, which made me reflect on what has been most important for me in achieving a healthy and happy work-life balance. […]

How to Prepare For An Encore Career

Ready for a career change? More and more people are rethinking success at midlife or retirement, and considering a shift to more meaningful, purpose-driven work. Combining a desire for social contribution, entrepreneurial passion, a job that’s not-just-a-job, and – often – continued income, encore careers are an appealing fresh start. Whatever your encore career goals, […]

Smart and Savvy Roth IRA Strategies

Roth IRA’s are a great savings tool. Contributions aren’t deductible like with traditional IRAs, so Roth contributions don’t lower your tax bill immediately. However, the tax-free nature of any earnings, no required minimum distributions (RMD’S) and ability to withdraw your contributions at any time, tax and penalty free, make them an excellent planning and savings […]

Sticker Shock: The Cost of College (& Who Pays For This?)

Not only is it seemingly more and more competitive for the latest crop of high school grads to be accepted into their top choice colleges, but the price tag of higher education is enough to send parents into a panic…even those families who wisely began college savings when the teenagers were just a twinkle in […]

Pet Insurance: Thumbs Up or Thumbs Down

This is a tale of two dogs, two families, and two very different opinions! Lola Eleven years ago, when we brought our beloved Corgi puppy into our family, we were advised to purchase pet insurance. As first-time dog owners, we ignored a lot of advice: have your puppy sleep in a crate (that lasted approximately […]

Getting On The Same Page: Investing With Your Spouse

Are we speaking a different language? Financial experts, thought leaders, and academics have written extensively about the role gender plays in investment styles, and the innate differences can be a source of conflict during financial planning. Studies generally agree women feel less confident about investing, and prefer to keep more cash assets, while men can […]

So, You Want to Buy Your First Home

Home ownership continues to be an important part of the American Dream, and a top financial goal for many of my Generation X and Millennial clients. Buying a home is both a significant financial and emotional investment, and in the San Francisco Bay Area home ownership is not always an easy goal to meet. With […]

Just Retired? 10 Ways To Keep Spending Under Control

Does this sound like you? You have just retired, and you’re exhilarated. Each day dawns with no schedule. You can sleep in or get up early. You can fiddle around the house all day or go out with friends. You can stay out late, enjoy another glass of wine and not worry about being alert […]

10 Family and Individual Tax Breaks You Should Know About

  Given the timing (right in the midst of the holiday season), you might have missed hearing about some favorable last-minute tax legislation (also known as the Protecting Americans from Tax Hikes Act of 2015), that will benefit your wallet. There is a little something for everyone and best of all, it makes some of […]