Insights & Observations Blog

Insights & Observations

Context and perspective to improve behavioral  finance patterns and  make smarter financial decisions. A focus above the fray, on what matters most for effective financial outcomes and goal achievement.

  • ★ Featured blog post

    How to help your adult children stay in the Bay Area

    Living in San Francisco is expensive. Very expensive. Median rent is nearly twice the national average and 81% of homes cost more than $1 million. It is no wonder that many Bay Area natives find their children leaving to live in places like Seattle, Denver, and Austin, where they can afford a house and where […]

    ★ Featured blog post

    Start this conversation with your aging parents now

    The time to discuss issues related to your parents aging is before you need to. Some senior care professionals promote the idea of the “40-70 rule”, advising that you begin conversations with your parents about their plans and desires once you reach age 40 or they are age 70. While this may seem early since […]

    ★ Featured blog post

    Q219 Quarterly Context Video

    Where are we in the business cycle? The stock market continues upward, but the bond market shows nervousness. Are stocks fairly valued or leaning over-valued? What positive returns are required when different levels of negative returns occur? Is that a quilt or the shapes of the stock market by size and number? 401k plan design […]

    ★ Featured blog post

    What it means to be a fiduciary advisor

    You may have read about the controversy over the fiduciary standard in the investment advisory industry. The SEC recently passed legislation that brought this charged issue back into the spotlight.  We want to share a short overview of what has transpired to help make sense of what you see in the media. As a Registered […]

    ★ Featured blog post

    How to enjoy vacation when you own a business

    When you own a business, taking a “real” vacation may seem impossible. While you appreciate the notion that time away keeps your mind fresh, helps your creativity, and prevents burnout, you may not always embrace it. Even when you do take time off, the temptation to check your phone or review your email magnifies as […]

    ★ Featured blog post

    4 ways business owners can plan for college savings & financial aid

    If you have children approaching their college years and you own a business, you have more opportunities than others to manage your assets and income to save and pay for college.  One of the most favorable treatments for business owners is your ability to increase the amount of financial aid for which your child may […]

    ★ Featured blog post

    Creating the future super savers of America: inspire the next generation to save for retirement

    Contribution by Margaret Hiller, CFP®, CPC Last month was Financial Literacy Month which prompted a flurry of articles on the retirement crisis in the U.S. One noted that the “average” retirement savings amount, paltry though it is, is often an overstated figure because it is the average (or mean) rather than the median and is therefore […]

    ★ Featured blog post

    Do you suffer from investment FOMO? The periodic table of investment returns can help.

    As a business owner you probably do not have the time, inclination or energy to research and anticipate what the right mix of investments is for your personal portfolio. Yet, with daily hype from the media or the unsolicited advice of friends who invested in a winning stock, you may still experience FOMO with your […]

    ★ Featured blog post

    Q119 Quarterly Context Video

    What stage is the US and other countries in the business cycle? Very different results for managed portfolios vs. do-it-yourself investors. The happiness equation is helpful: Happiness ≥ Perception – Expectations. An “inverted” yield curve often precedes a recession… how about this time? 10-year birthday of the post-Global Financial Crisis “bull” stock market. Hot Q1 […]

    ★ Featured blog post

    The happiness equation

    It is sometimes said that “money can’t buy happiness.” While this is true in a literal sense, and there is some debate about the subject in a figurative sense, one thing we know with certainty is that there is a link between emotions and money.  Emotions can have a significant impact on investment success, and […]

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