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

    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 […]

    ★ 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

    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

    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

    Lessons from a flat tire – gaining perspective on market volatility

    Is recent market volatility making you anxious? Gaining some perspective could help relieve that anxiety and ensure that you remain on track to reach your financial goals. Your financial journey is a lot like a long road trip. On your route from point A to point B, even while driving wisely, it is normal to […]

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    Updated annual savings limits for 2019

    The IRS recently released the indexed dollar limits for qualified retirement plans for 2019. The amounts remain largely unchanged, due to low inflation rates, but personal investors and retirement plan fiduciaries should review the update for smart saving opportunities. 401(k), 403(b), 457 Plan deferral Limit: 2018: $18,500, 2019: $19,000 “Catch-up” Contribution >age 50: 2018: $6,000, […]

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    Six things you can still do for your year-end financial planning

    There are still a few weeks to go before we step into 2019 and that means you still have opportunities to make sure you’ve done what you can to take advantage of some financial benefits. While the Tax Cuts and Jobs Act of 2017 (TCJA) made prepaying taxes less attractive due to low deduction limits […]

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    Article library & special past blogposts

    News articles to help you and others make better financial decisions. Topics include investor behavior, smart financial choices, investor pitfalls to avoid, inter-generational wealth issues, fiduciary process, and other topics.

    ★ Featured blog post

    Action steps to reduce the risk of identify theft

    The Equifax data breach increases the risk of identity theft for 145 million Americans. Consider and take these action steps to help protect yourself.

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