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]

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]

How tax policy may change with the election

By |2020-09-21T09:56:50-07:00September 17th, 2020|Blog, Business Owners, Financial planning tips and perspectives, In the news, Personal Wealth|

The upcoming presidential election brings with it much speculation about the tax policy and market implications of the outcome. We don’t recommend changing your plans based on educated guesses about how tax policy may change once the election is behind us.  However, it does make sense to consider how changes may affect your planning [Read More]

Using debt to get your business through coronavirus

By |2020-07-25T06:32:36-07:00May 30th, 2020|Blog, Business Owners, Financial planning tips and perspectives, Personal Wealth|

The decision to take on debt is a significant one for any business in normal times.  For businesses severely affected by COVID-19 shutdowns, debt-use consideration takes on heightened importance.  If your business is able to borrow or had credit lines available to draw down, the question becomes how to best use those funds to shore [Read More]

Drawing from experience to navigate uncertainty

By |2020-08-16T18:18:49-07:00April 22nd, 2020|Financial planning tips and perspectives, General thoughts, Personal Wealth, Quarterly thoughts|

Every quarter we send a letter to our clients to set context around recent market activity.  This quarter, we are posting our letter here since it offers some reminders about how our experience and contingency planning get us through difficult times that we feel may benefit everyone.  These past several weeks have reminded us [Read More]

Time-sensitive: Business owners should explore Paycheck Protection Program forgivable loans NOW… application process started 4/3/20

By |2020-04-25T09:20:45-07:00April 2nd, 2020|Fiduciary, Financial planning tips and perspectives, General thoughts|

Business owners & leaders: If your business has been adversely affected by the coronavirus directly or indirectly, we encourage you to explore and apply for Paycheck Protection Program (PPP) forgivable loan or the Disaster Loan (& grant) Assistance programs below, given that the PPP started 4/3/20 for small businesses, and 4/10/20 for sole proprietorships [Read More]

The CARES Act: help for individuals and small businesses

By |2020-04-25T09:22:00-07:00April 2nd, 2020|Fiduciary, Financial planning tips and perspectives, In the news|

  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 [Read More]

Create your own Blue Dot to experience Blue Zone benefits

By |2020-09-06T16:12:13-07:00January 9th, 2020|Blog, Fiduciary, Financial planning tips and perspectives, General thoughts|

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 [Read More]

Is your business prepared for the next disaster?

By |2020-07-20T13:41:07-07:00November 27th, 2019|Blog, Financial planning tips and perspectives, Personal Wealth|

Preparing your business for a natural disaster is as critical as preparing your home, yet many business owners do not have an emergency plan in place.  In the Bay Area, earthquakes are a constant threat with no advanced warning, and the “new normal” of California fire season reminds us how devastating nature can be. [Read More]

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