I’ve come across two distinct clients recently who were experiencing identical issues. Both clients were single women on the cusp of retirement. And, as with almost every middle-class American, these two distinct clients faced an identical situation: They had not saved enough money. The simple (obvious?) solution to their savings shortfall was to downgrade their […]
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Case Study: Account Distribution Hierarchy for Mortgage Paydown in Retirement
Imagine a retired client. Being 68 years old, he’s managed to save a bit of money over his lifetime. Whatsmore, that money is spread across different types of accounts: His tax-deferred traditional IRA His tax-free Roth IRA The family’s taxable investment account Being that the client is retired – and a good portion of his […]
How to Save on Taxes
No one likes taxes. So, why not strategize on how to save on them? Listen up for a few strategies to decrease your tax bill.
Do I Even Need Life Insurance?
Life Insurance comes in so many flavors! Which one makes the most sense? Or, do you even need it? Listen to our latest episode of the Stay Wealthy podcast to find out!
Why California Rental Property is Not a (Historically) Great Investment
EXECUTIVE SUMMARY Investors in illiquid real estate should be compensated with investment returns above what U.S. stock market investors receive. This is because real estate is illiquid – whereas U.S. large cap stocks are highly liquid. Historically, U.S. stocks market investors received an investment return of roughly 10% per year. Therefore, investors in illiquid real estate should […]
Do You Really Need to Own International Stocks?
Given International stocks have suffered twice as many bear markets than U.S. stocks since 1970, why do people invest in international stocks? In this episode of Stay Wealth San Diego podcast we discuss how come.