Why You Need A Financial Plan

There are a few times a year when the volume of calls to my office from people seeking financial advice goes way up. One of them is in January when New Year’s resolutions are top of mind and another is the 30 or so days leading up to the tax deadline in mid-April.The “January effect” […]

Simple Money Truth # 7: You Are Your Credit Score

Your credit score is the single most important tool institutions use to determine your creditworthiness. Without a credit score of 700 or over, you won’t get the best rates on mortgages and car loans, and you may not get that apartment or job that you dream of. Your credit score can also affect the price you pay for auto insurance. A low credit score can prevent you from getting what you want or make what you get much more expensive!

NoBody Knows – And That is Why You Diversify

– Nobody knew that the yield on the 10 year Treasury would keep going down. – Nobody knew that the price of a barrel of oil would drop by 55%. – Nobody knew the Russian ruble would crash. – Nobody knew that Japan would dip into a technical recession. – Nobody knew that Europe’s tentative […]

5 Ideas to Protect Your Email Accounts From Cypercriminals

We all know that hackers and cypercriminals are out there and probably not going away anytime soon. In fact, their crimes, like the recent Russian hacking incident, get bolder all the time. The truth is that criminal networks are conspiring round-the-clock to hack into our email accounts to find ways to steal our money! A […]

5 Money Worries Every Boomer Woman Understands

As a financial adviser, I hear firsthand what boomer women worry about. Of course, all women are not alike: We have unique lifestyles, careers and aspirations. Still, getting older seems to yield surprisingly similar financial worry-lists for us. Here is a list of the top five fears that my clients bring me, and some ideas […]

Corrections are Inevitable

As you open your account statements and see your balance go up month after month you breath a sigh of relief. But, then your next thought is when will it end? It’s true that we are experiencing an unusually long bull market. At of the end of June, the Standard & Poor’s 500 index has […]

Mothers, Daughters and Money

My mom quit her blossoming career as a buyer at the Emporium in San Francisco to become a 1950’s-style housewife. As a dutiful Catholic wife, she gave birth to 6 healthy children and spent the next 16 years or so cooking, cleaning, and loving us all as only a mother can. My dad gave her […]

The Truth About Diversification

Most investment advisors  (including me) believe that  building and maintaining a diversified portfolio is the most prudent way to invest clients’ money. Not only do numerous studies of asset class returns back this up, but no matter how smart and experienced the advisor is, it’s near impossible to predict with consistency which asset class will […]

12 Simple Steps to Financial Success

A new year is almost upon us—always a good time to look towards the future and recommit to past goals or create new ones especially when it comes to our personal finances. Just in time to help with your goal-setting, here is a list of 12 simple steps you can take with your money in […]

Book Review: The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money

As a financial advisor, I published my free ebook, The 10 Simple Truths About Money, because I strongly believe that it’s true that, “Learning financial concepts and managing money can be intimidating, but it doesn’t have to be. There are simple truths about money that can change your life.”