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 […]

How to Buy Your First Home: 6 Steps to Find and Purchase 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 the […]

A Little Year End Tax Planning with Your Holiday Punch

Or,  8 Year End Tax-Related Deadlines and Things to Think About With the busyness of the holiday season, it’s easy to forget about things like tax planning. After all, we’d rather focus on having fun with our friends and family! However, there isn’t much you can do to improve your tax situation after December 31st […]

Why We Need To Invest In Stocks

When stock markets correct, like they did last week, it’s important for long-term investors to remind themselves of why they are in the market in the first place. It’s because stocks over the long haul return more than bonds or cash. They do this because they are riskier, and riskier assets offer higher returns to […]

Finding Your Style Can Save You Money

There was a time when men’s grooming and fashion was as complicated as women – but that time is long gone. Today, women probably spend four times as much as men on their appearance, maybe more. The amount of money spent on clothing and accessories can do damage to one’s budget. Happily, it’s possible to […]

3 Things You May Not Know About the Roth IRA

Roth IRA’s are a great savings tool. They are different from traditional IRA’s in that they aren’t deductible, so Roth’s 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 a great […]

Will Wearables Save Healthcare?

We all know that healthcare costs have risen at an alarming rate over the last 20 years. And this might be a reason for alarm. But, if you look at the percentage of the increase related to diagnostic tests and corrective instead of preventative treatments, there’s reason for hope. And that reason lies in the new […]