Insights & Observations

Stay Informed

You’re busy creating your own success; to help you stay informed, we share our insights and observations regularly through our blog. Whether you want to secure your personal wealth, improve the lives of your employees or elevate your impact in your community, we invite you to read the topics that matter most to you.

  • The rationale for investment manager changes

    Sometimes we have to change the investments we hold in our clients’ portfolios. We’ve talked about rebalancing and tax loss harvesting as ways to keep portfolios’ allocation in check and lower tax bills, but what happens when a specific investment manager of a mutual fund or other vehicles needs a change? How do we decide… [Read More]

    Retirement Plan audit ERISA

    How to pick an auditor for your company’s retirement plan

    Audit season is in full swing for retirement plans, and if your company has a “large plan” (defined as more than 100 participants) you are required to undergo an annual audit by a CPA. This requirement kicks in when your start-of-year participant count exceeds 120 for the first time. If your company sponsors a plan… [Read More]

    Business owners: Explore Paycheck Protection Program starting 4/3/20, and other programs

    Business owners & leaders: If your business has been adversely affected by the coronavirus directly or indirectly, explore the recent CARES Act Paycheck Protection Program (PPP) forgivable loan, Disaster Loan (& grant) Assistance, or Employee Retention Credit program. The PPP started 4/3/20 for small businesses, and 4/10/20 for sole proprietorships and independent contractors. These programs… [Read More]

    The CARES Act: help for individuals and small businesses

    As we adjust to the effects of COVID-19 in our lives, we wanted to provide some information for individuals and small businesses about the stimulus package passed by Congress on March 27th  The Coronavirus Aid, Relief and Economic Security (CARES) Act, as well as previously announced tax filing relief, should help with business and personal… [Read More]

    CARES Act helps your business: relief for your retirement plan participants

    The Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law on March 27, 2020, and includes provisions to assist retirement plan participants impacted by the COVID-19 pandemic.  For plan sponsors and their participants, this Act can provide essential financial help to many employees.   The new law provides distribution and loan relief to… [Read More]

    Create your own Blue Dot to experience Blue Zone benefits

    What if you had the recipe of life choices that could help you live longer, healthier, and happier? That is exactly what studies show happens in “Blue Zones,” parts of the world with unusually high numbers of happy centenarians. If you don’t live in a Blue Zone, you do not have to move.  You can… [Read More]

    retirement plan sponsors

    The SECURE Act: What individuals, business owners and retirement plan sponsors need to know

    Business owners, especially smaller employers, now have more incentives and options to offer retirement savings plan.  Individuals have additional opportunities to grow their retirement savings.  Signed in to law by the President on December 20, 2019, The SECURE Act (‘Setting Every Community Up for Retirement Enhancement”) brings the most significant pension reform in more than… [Read More]

    2 strategies to reduce taxes that you may not have considered

    With high incomes and appreciated portfolios, many of our clients around the Bay Area seek relief from paying a large sum to Uncle Sam.  Identifying tax minimization opportunities can be difficult as your income and account balances increase; however, there are a few ways you can keep more of what you make.  Here are two… [Read More]

    The 3 flavors of fiduciaries for retirement plans

    After the rise and fall of the Department of Labor’s “fiduciary rule,” followed by the Securities and Exchange Commission’s recent release of the Regulation Best Interest rule, many retirement plan sponsors are now familiar with the term “fiduciary.”  A fiduciary duty is the highest standard of care under the law.  Fiduciaries to an ERISA-qualified plan are… [Read More]

    3 reasons owners should invest outside of their business

    How do many business owners continue to grow and manage their businesses?  They reinvest company profits back into the business. As financial advisors to many business owners, we have learned from experience how important it is to strike the right balance between your company assets and some diversified investments outside of your business. While it… [Read More]

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