Phone: +1 (760) 651-6315
Fiduciary Hourly Fee-Only Financial Planner
I wrote this blog post to help those of you who are reaching retirement age and own a lot of individual stocks in your brokerage account, and you are not sure what to do with them. Not knowing what to do, notRead more
This is a written summary of a video I posted on YouTube. Introduction Recently, I worked with a client couple who were considering using Schwab Intelligent Portfolios, a Robo-advisor, for managing their retirement funds. This got me wondering whetherRead more
I have had a few new clients recently tell me they do not understand bonds and therefore have not invested in them. They are currently invested in money market funds or CDs, instead of bonds. This post should explain howRead more
Links to 2023 Mutual Fund and ETF Year End Distributions The following links take you to the details of funds that are paying out capital gains or dividends in 2023. American Funds by Capital Group Blackrock and iShares MutualRead more
Do you want objective financial advice? Are you comfortable managing your own investments at Fidelity, Schwab, Vanguard, or others? Then you should consider hiring an hourly financial advisor when you need advice. Finding a financial advisor or aRead more
The definition of tax efficient withdrawals in retirement means correctly managing which account type your investments are in, when to pull from these accounts, and whether you should convert some of your tax-deferred accounts to Roth IRAs to reduce your overallRead more
As you investigate financial advisors and the various methods financial advisors and financial planners use to charge for their services, you should become aware of the benefits of using an hourly, fee-only financial planner. There are two big conflicts ofRead more
You’ve probably heard or read that you should wait until age 70 before claiming Social Security. In this blog, I’m going to show you actual numbers, so that you can see just how much of a difference delaying Social Security can make. Read more
Currently, my favorite stock ETF is the Invesco Russell 1000® Dynamic Multi-Factor ETF. The ticker symbol is OMFL. Let’s go through the name of this ETF and see what each of the parts means. Invesco is a largeRead more
If you are looking for financial advice by the hour to help you invest or plan for retirement, then you have found one of the rare financial advisors who does not charge AUM fees. In fact, I do not manageRead more
It is important to understand that just because the stock market has done very well in recent memory (2022 excluded), does not mean that will always be the case. It can be easy to assume that stocks always go upRead more
As I am sure you know, the stock market in 2022 has had a terrible year. As of October 10th, it is down 24% for the year. Could the bottom be near, and the markets go higher from here? Read more
I recently spent four days at a tax training seminar for financial advisors. There were many impactful topics covered in the lessons. One of those, which I will cover in this blog post, is referred to as the widow’s (orRead more
If you follow financial news, you will have seen reports about the Federal Reserve’s new inflation target. Rather than using their goal of a 2% cap on inflation, the Federal Reserve would like to see inflation average 2% over anRead more
Federal employees, State employees, teachers, union workers, and others who have most of their net worth in their pension, their work retirement account (TSP, 403(b), 457, etc.), and their home equity are a perfect fit for the consultant financial planningRead more
