Latest Posts

Adjusting Your Portfolio as You Age

by Brandon Miller on May 3, 2018

Financial Planning, Retirement Planning, Education

If you are an experienced investor, you have probably fine-tuned your portfolio through the years in response to market cycles or in pursuit of a better return. As you approach or enter retirement, is another adjustment necessary?
Some investors may think they can approach retirement without looking at their portfolios. Their investment allocations may be little changed from what they were 10 or 15 years ago. Because of that inattention (and this long bull market), their invested assets may be exposed to more risk than they would like. 

Why You Want a Retirement Plan in Writing

by Brandon Miller on Apr 25, 2018

Retirement Planning, Education, Financial Planning

Many people save and invest vaguely for the future. They know they need to accumulate money for retirement, but when it comes to how much they will need or how they will do it, they are not quite sure. They will “wing it,” hope for the best, and see how it goes. How do they know they are really contributing enough to their retirement accounts? Would they feel less anxious about the future if they had a written plan?  

Retirement Plans for Individuals & Businesses

by Brandon Miller on Apr 18, 2018

Retirement Planning, Education, Small Business

Households are saving too little for the future. According to one new analysis, 41% of Gen Xers and 42% of baby boomers have yet to begin saving for retirement. In a recent financial industry survey, 35% of small business owners said they were planning to use the sale proceeds from their company for a retirement fund, an idea which comes with a flashing question mark.1,2
Do you need to build retirement savings? Take a look at these retirement plans:

The Move Toward Fee-Based Advisory Accounts

by Brandon Miller on Apr 11, 2018

Fee-Based, Education, Financial Planning

A major shift has occurred in the financial world. More and more financial professionals have moved away from the industry’s traditional compensation model to a new one – in the eyes of many of them, a better one.
Increasingly, financial professionals are introducing their clients to fee-based accounts. This means a change in the way a financial advisor is paid for some or all services. It also implies a meaningful change in the advisor-client relationship. 

An Update to the Fiduciary Standard

by Brandon Miller on Apr 6, 2018

Fiduciary, Fee-Based, Education

This year, the Department of Labor intends to introduce a new rule regarding retirement plan accounts, with full implementation envisioned by 2018. Under this new rule, financial professionals who consult retirement savers will be held to a fiduciary standard of care. In other words, they will have an ethical and legal obligation to always act in a client’s best interest.1,2

Own a home? Here's how the new tax "cut" affects you.

by Brandon Miller on Feb 16, 2018

Homeowners, Financial Planning, Education, Tax

Let’s face it. The cost of owning a home in the Bay Area is crazy high. We pay taxes on top of taxes—at some of the top rates in the nation. Our state taxes alone are the highest of any state in the Union, according to the Federation of Tax Administrators.

But every April 15, homeowners could find a little relief in the form of tax deductions. We could deduct the full amount paid for personal (non-business) state and local property taxes. And that was on top of being able to deduct every dime paid in state and local income tax.

Ah, the good old days.