Weekly Wrap-up

Yea…not the most exciting task on your list but you really should review your insurance policies annually to ensure you have adequate coverage as well as appropriate premiums. Insurance policy reviews involve an assessment of your overall insurance coverage to ensure...

As many of our clients may know, I sold my Alameda home and purchased a new property in Novato in late 2023.  At the time I did these transactions, mortgage rates were near all-time highs.  I gave up my 1.90% fixed 15 yr. mortgage and secured a new, whopping 7.50% 30...

Investing in the cryptocurrency market, while exciting in its headline-making growth spurts, has also been fraught with complexities and considerable volatility. However, 2024 has brought a game-changer to the crypto landscape with the launch of new crypto...

Current market conditions are ‘choppy’!  What can you expect from this market?? In the ever-changing landscape of global markets, staying informed about current conditions is crucial for investors and businesses alike. As we entered 2024, the market began to...

As we move into a new year, that may come with new year’s resolutions.  Common goals are losing weight, exercising more, spending more quality time with friends and family, eating better, etc.  The start of a new year also provides the perfect opportunity to reflect...

SECURE 2.0 Act Provides Another Solution for Excess 529 Plan Savings 529 plans are popular and tax-smart ways for families to save for education expenses. The plans allow contributions that can grow tax-free and be withdrawn without incurring state or federal taxes...

Dear Valued Friends and Clients, We are thrilled to share some exciting news with you – Asti Financial Management is proud to announce that we are going 100% virtual!  In response to the evolving landscape following the global pandemic, we are closing our Alameda...

Thanksgiving (noun): The act of rendering thanks or of expressing gratitude for favors, benefits, or mercies; an acknowledgment of benefits received. On this day of Thanks, here are some things you can do for your well-being: #1 Feeling Grateful Reflecting on the...

The US tax code is a progressive tax where the more you earn, the more tax you will pay.  One progressive tax that affects retirees is the Income Related Monthly Adjustment Amount or IRMAA.  IRMAA is an extra charge on Medicare premiums for people with higher incomes....

When it comes to understanding average funeral costs, there is a lot to consider.  You must take into account your loved ones’ final wishes.  I recently wrote about my own father’s death.  We had moved him to California to be with family in his last months.  His wish...