Financial Planning Articles

Legacy Planning for Digital Assets

By |2024-06-21T14:49:26-07:00June 21st, 2024|

As we continue to rely on technology to make our lives more convenient, our digital asset landscape is becoming more relevant than ever. Including language in your estate plan that covers digital assets is an increasingly common practice to provide clarity over who has legal authority.  

Safeguarding Against Financial Scams

By |2024-05-17T14:20:15-07:00May 17th, 2024|

Beyond awareness of what types of scams are out there, it’s important to recognize why they succeed, and acknowledge the pitfalls of some common reactions should they happen to you or a loved one.

Roth IRAs: Investing In Your Future

By |2024-05-29T13:59:51-07:00April 29th, 2024|

Having retirement money in both a Roth and a 401k gives you the choice to take either taxable or non-taxable income. This choice allows you to be deliberate about your source of income and taxes. 

Navigating Finances, Together

By |2024-03-15T14:49:09-07:00March 15th, 2024|

Whether couples combine their finances, keep them separate, or use some combination of both depends on their individual preferences, values, and circumstances. Whatever path they choose, having a full picture makes it easier to engage with major financial decisions.

Student Loans As a Planning Tool

By |2024-03-01T13:59:02-08:00March 1st, 2024|

Even when you have sufficient assets to cover the cost of college, it doesn’t automatically mean that now is the best time to use them. There are still timing considerations that can significantly impact both taxes and liquidity. One strategy to consider in these scenarios is having your child take out student loans.

Illuminating the Next Chapter

By |2024-02-09T12:24:57-08:00February 9th, 2024|

In honor of our team member Ariana Alisjahbana welcoming her first child this week, we are rerunning an article from June 2022 that highlights financial considerations to keep in mind as you celebrate this next phase of life. Congratulations to Ariana and her growing family!  

Planning for College with 529s

By |2024-01-26T13:35:57-08:00January 19th, 2024|

Even while tuition bills seem far off in the future, 529 plans can be a powerful tool which can help parents establish the habit of saving early and ease some of the financial and psychological stress that can arise as college enrollment approaches.

Powered By the Sun

By |2024-01-26T13:40:29-08:00November 17th, 2023|

Taking steps to develop independence from the power grid saves energy and money and can also bring you peace of mind. Whether you are ready to make the change to solar energy or just beginning to explore your options, we can help you understand your financial landscape and provide support as you engage with experts to assess your personal situation.

Getting Ahead of Year-End Planning

By |2023-10-27T14:11:52-07:00October 27th, 2023|

As the holiday season shifts into full swing, now is a good time to begin looking at your upcoming expenses ahead of end-of-year financial planning, along with fine-tuning your annual budget as you prepare for the coming new year.

Charitable Gifting in a Volatile World

By |2023-11-10T15:56:24-08:00October 13th, 2023|

Donor Advised Funds (DAFs) are powerful tools for charitable giving and legacy planning. They help with organizing a giving strategy, allow for potential asset growth, benefit yearly tax planning, and help mitigate gains from appreciated stock.

Runway to Retirement

By |2023-11-10T15:59:11-08:00September 15th, 2023|

For many, the years leading up to retirement are a time of transition from the world of work to one of leisure and personal fulfillment. Carefully preparing can give you peace of mind, freeing your headspace for life’s more meaningful moments.

Engaging with Aging, Part I

By |2023-06-09T13:21:38-07:00June 2nd, 2023|

Gradual changes in our physical and mental abilities, coupled with changes to our social landscape, bring many to consider a more dramatic change: – should they move to a residential community that provides built-in care services and new social opportunities Or should they stay in their home?

Leaving a Personalized Legacy

By |2023-05-12T15:46:12-07:00May 5th, 2023|

To personalize your legacy, take a step forward with your estate planning, adopting an attitude of contemplation as you mentally meander through what you want and what you don’t want.

The Right Amount of Liquidity

By |2023-04-14T13:55:57-07:00March 24th, 2023|

Many things can affect the “right” amount of cash to have on hand. In our conversations with clients, we compare it to financial decisions involving a trade-off between security, risk, and return.