Weekly Wrap-up
Equity-Indexed Annuities: Protection, Growth Potential, and the Trade-Offs
After years of strong stock market performance, concerns about elevated valuations, particularly in technology and artificial intelligence companies have renewed discussions about protecting investment portfolios from future market downturns. Market corrections are...
When AI Stocks Fall, and Treasury Yields Drop, Where Can Investors Find Safety?
After years of extraordinary gains fueled by artificial intelligence (AI), technology stocks are experiencing renewed selling pressure. Investors are questioning whether massive spending on AI infrastructure will ultimately deliver the profits needed to justify...
Is Your Retirement Portfolio Too Dependent on the Tech Boom?
The stock market has delivered impressive gains in recent years, largely driven by technology and artificial intelligence companies. While investors have enjoyed watching their portfolios grow, we're hearing a common question from clients: How sustainable are these...
The Fed Raised Interest Rates. What Does That Mean for Your Money?
With another potential rate increase on October 28, here's what you should know about CDs, money markets, bonds, mortgages and other financial decisions. Whenever the Federal Reserve changes interest rates, one of the most common questions I hear from clients is: "How...
ARMs Are Making a Comeback: What You Need to Know
High Interest Rates Are Driving Interest in ARMs With fixed-rate mortgages hovering near the 7% mark, we are fielding more questions from clients about a popular alternative: the Adjustable-Rate Mortgage (ARM). An ARM provides an initial interest rate that is...
Five Estate-Planning Mistakes That Could Be Costly!
Small estate-planning missteps can create major headaches for your heirs. When it comes to estate planning, most people prefer not to think about it. Even for those who have, they sometimes make mistakes when they start taking action. The good news is that you have...
U.S. Debt Just Topped $40 Trillion. Should Investors Be Worried?
U.S. Debt Just Topped $40 Trillion. Should Investors Be Worried? The U.S. national debt has officially crossed $40 trillion—a staggering number and a milestone that understandably raises questions for investors. But what does $40 trillion actually mean, and should it...
Bond Funds, Individual Bonds and California Munis: What Should Investors Do While Yields Are Still High?
One of the most common questions I get from clients is: After a few years of very mediocre bond index performance, investors may finally earn meaningful income from bonds. But will these higher yields last? This week, the U.S. Treasury announced that it will increase...
The Best Budgeting Apps of 2026 (And the One I Still Use Every Day)
One of the most common questions I get from clients is: "What budgeting app do you recommend?" My answer usually surprises them. I still use Excel. Yep... good old-fashioned Excel. After more than 35 years in financial planning, I've found that the "best" budgeting...
Think You Can Withdraw $20,000 Per Year from Your 529 Plan Tax-Free for Private School? Not So Fast if You Live in California.
The recent changes to federal 529 plan rules have generated a lot of excitement—and a lot of confusion. We've already had clients ask, "Great! So I can take $20,000 per year out of my 529 plan for my child's private school tuition completely tax-free." The answer is:...
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