Weekly Wrap-up

Every year, the IRS updates the contribution limits for employer-sponsored retirement plans. For 2025, here’s what you need to know: Standard Contribution Limits: If you’re under age 50, you can contribute up to $23,500. If you’re over 50, you’re eligible for a...

Over 20% of Americans have a financial resolution on their list for 2025.   While this is  great  - you may have the most  success by not making large, overwhelming promises to yourself. Instead, resolve to do just one or two specific things that will start to improve...

  How Experts Predict the Market May React in 2025 Three widely respected stock-market metrics are signaling potential trouble ahead. Between Inauguration Day 2021 and Election Day 2024, the S&P 500 (SPX) rose an impressive 51%. However, with the S&P 500...

  As open enrollment season approaches, it's the perfect time to review your employee benefits and healthcare coverage for the coming year. This period offers a valuable opportunity to adjust your plans and ensure you're fully covered with the right benefits to...

Refinancing activity is up, but buyers are playing the waiting game.  Mortgage rates ticked down for the third week in a row, but buyers are taking their time before they jump in. The 30-year fixed-rate mortgage averaged 6.08% as of Sept. 26. That's the lowest level...

On Wednesday, the Federal Reserve cut the Fed Funds rate by 0.50%, the largest reduction in 16 years, bringing the key rate to 4.75%-5%. While this move is expected to lower borrowing costs for consumers, the impact on monthly payments may not be immediate. According...

You might be feeling the pinch (what an understatement!) of inflation and the effect it’s had on your vacations and getaways. Vacations are a chance to relax, recharge, and make lasting memories, but without proper planning, the costs can quickly get out of hand....

Last week we focused on the state of homeowner’s insurance in California.  This week, let’s look at some steps a homeowner can take to prevent their insurer from issuing a non-renewal or cancellation of their homeowner’s policy. Insurers are now completing inspections...

You read that right…we are in a CRISIS situation here in California when it comes to homeowner’s insurance. Major insurers are canceling existing policies, refusing to write new ones, or leaving the state entirely. Of the 12 insurers covering 85% of the market, seven...

When I meet people who ask me “what do you do?”  I’m proud to say that I’m a CERTIFIED FINANCIAL PLANNER™ and work with clients on an hourly basis providing custom recommendations.  Hourly planners are different ~ we work with our clients the way a lawyer or therapist...