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Retirement – Between a Rock and a Hard Place

Where you might find yourself when looking at your chances of achieving retirement success and some tips to soften the blow. As a financial professional, I constantly talk with people about their retirement goals and while the expectations of my clients may vary when it comes to specifics of how they will spend their “Golden Years”, […]

If you have children and if they inherit your IRA or 401k, they have other options available instead of having to take all of that money immediately upon inheritance out of the IRA or 401k and paying taxes on it. They can stretch out the money they inherit from your account and use it over […]

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What is a Step Up in Basis? And Why Should I Consider Transferring Property Via a Trust? There are number of reasons to create a Trust. Some of them involve avoiding Probate; others may involve avoiding conflict between heirs. However, one that most people don’t think about is avoiding capital gains taxes. I recently had […]

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By no means is this article covering all of the intricate complexities of how to make the most of social security, however it does answer some keys points that can be helpful to know. What is “Full Retirement Age”? Relative to social security, it is the age at which a person may first become entitled […]

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No matter how much or little you have, matters of money illicit stress in people’s life and for many couple’s, fights over finances can break up the union.  In an effort to avoid unnecessary battles, there are some planning steps you can take in advance of tying the knot. Talk about finances Keep finances out […]

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As an attorney with a practice focusing on Business Law and Estate Planning, I have met a fair share of individuals who have started businesses without doing the proper legwork and without knowing what they were getting themselves into.  Before long, problems with business partners, legal issues, and money issues throw the business into a […]

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The origin of credit scoring dates back to the 1950’s.  The purpose of its design was to provide lenders with financial profiles on consumers who wished to borrow money.  The structure of the credit scoring model seeks to reflect the likelihood of an individual to pay off debt without being more than 90 days late […]

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About a year ago a friend called me and asked if I wanted to join him on a skydiving trip.  Two years ago I would have jumped at the opportunity, however this time there was something different.  Before I answered him, I started to think about my life insurance policy and if I had made […]

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YOU are cordially invited to attend an educational, estate planning event to be held on Tuesday, June 3rd, from 7 to 9 pm at the Doubletree Hotel, Carmel Valley (11915 El Camino Real, San Diego, CA 92130).  The focus of this event will be on asset protection planning and also the benefits of appointing a […]

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Planning a Wedding or Planning Your Estate? The Elements are the Same! I am in the midst of planning my wedding, and I love it.  Call me crazy, but I truly enjoy the process.  What I’ve realized is that planning a wedding is really no different than what I have been doing for my clients […]

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The Supreme Court overturned DOMA last summer and for some people their tax, estate planning and retirement planning changed overnight.  For years, same sex, married couples have been excluded from participating in many benefits afforded heterosexual married couples.  The recent change in the law means same sex married couples can now access some of the […]

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It’s a New Year, and it’s time to get things organized.  If your estate plan is complete, go through this checklist for some follow up steps to consider.  If your estate plan is not complete, make it a goal for the New Year. □   Review your existing plan.  Do you remember who you named as […]

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