Save more in 2021: 6 opportunities for midlife professionals and business owners

By |2021-02-26T11:57:36-08:00February 26th, 2021|Blog, Business Owners, Financial planning tips and perspectives, Insurance, Personal Wealth|

As you reach certain midlife milestones, you gain opportunities to save more money, whether through tax-deferred vehicles or identifying key expenses where you may be overpaying.  Business owners also have a chance to bounce back from what may have been a slower year in 2020 with some favorable tax rules.  Which of these options [Read More]

4 life-changing benefits of a Midlife Gap Year for business owners

By |2021-02-15T15:25:33-08:00February 15th, 2021|Blog, Business Owners, General thoughts, Lifestyle, Personal Wealth|

COVID-19 continues to have a wide-ranging impact on business, our economy, and our everyday lives. But the one lesser-discussed impact could be the most difficult to deal with—the personal one. The pandemic’s upheaval has escalated life’s stresses for many business owners, making a Midlife Gap Year all the more attractive. As you contemplate the [Read More]

Wealth and happiness – the surprising factor that can increase well-being

By |2021-02-10T10:22:16-08:00February 10th, 2021|Blog, General thoughts, Lifestyle, Personal Wealth|

Does money buy happiness?  Wealth and happiness are often paired together.  As you earn more income, invest more into the market, or reduce your debt, you likely feel more life satisfaction. This seems obvious, and many studies* prove this to be correct.  However, in a study conducted by researchers from UC, Riverside, a surprising [Read More]

Q420 Quarterly Context Video

By |2021-02-19T12:43:03-08:00January 21st, 2021|Blog|

Expected impact of a new administration in the Oval Office, Wall St. vs. Main St., stimulation-supported market returns defying the pandemic, almost surely unrepeatable 13.9% 10-year annualized US stock market return, what the yield curve is saying, COVID case patterns, investor actual returns vs. the markets (hint: emotional investing hurts), what % of stocks [Read More]

4 rewarding ways to spend your Midlife Gap Year

By |2021-01-14T17:03:47-08:00January 13th, 2021|Blog, Business Owners, Lifestyle, Personal Wealth|

As you consider taking a Midlife Gap Year, you may find your mind jumping from idea to idea with no clear trajectory for how to spend your time off. How will you make the most of your career break? Of course, this answer will be different for everyone. We all find satisfaction in different [Read More]

More help for business owners: PPP loans, deductions, and other stimulus provisions

By |2021-01-06T14:33:44-08:00January 6th, 2021|Blog, Business Owners, Financial planning tips and perspectives, Personal Wealth|

If you're looking for a new PPP loan for your business, the latest stimulus package, the Consolidated Appropriations Act (CAA) that was signed into law on December 27, 2020 may benefit you. It provides $900B in COVID-19 relief and extends and expands on some provisions of the CARES Act, enacted in March, to help [Read More]

Gen X insurance: how to put proper midlife protections in place

By |2020-12-23T13:50:05-08:00December 21st, 2020|Blog, Business Owners, Financial planning tips and perspectives, Insurance, Personal Wealth|

If you're a Gen X-er, it’s likely your life is starting to look very different than it did in your early years when you were just beginning your career and starting a family.  Now you’ve made significant headway in your career, earn a higher income, and have amassed significantly more wealth. Your children may [Read More]

What California homeowners need to know about Proposition 19

By |2020-12-12T16:10:56-08:00December 12th, 2020|Blog|

On election day, the narrow passage of Proposition 19 in California brought good news for some homeowners.  The new law allows homeowners who are over 55, or disabled, or victims of wildfires or other disasters to transfer the tax base of their primary residence to a replacement residence.  This expands on the [Read More]

Inflation’s effect on 2021 retirement contribution limits

By |2020-12-06T14:18:00-08:00December 4th, 2020|Blog, Business Owners, Fiduciary, Institutional, Personal Wealth|

The IRS released the dollar limits for 2021 qualified retirement plan contributions.  For 2021, employees’ and owners’ ability to defer compensation and invest for their future remains about the same as 2020. Because of low inflation, most of the common contribution levels were left unchanged, with defined contribution total dollar amounts (from employee and [Read More]

What retirement plan sponsors need to know for 2021

By |2020-11-13T10:29:45-08:00November 7th, 2020|Blog, Fiduciary, Institutional|

Safe harbor retirement plan for 2021 Now is the time to take action if you wish to implement a new safe harbor 401(k) plan or make changes to your existing safe harbor structure for 2021.  To satisfy the participant notice requirements, companies should install or amend calendar-year plans by the end of November.  If [Read More]

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