Retirement Planning

Social Security Facts for 2019

As of December 2018, more than 43.7 million retired Americans collected Social Security, with more than 8 million disabled workers collecting benefits as well. But Social Security is much more than retirement income. Along with providing a small income to millions of seniors, Social Security also provides life insurance as well as survivor benefits.

Easy Ways to Financial Health

We all have our own unique way of handling our finances. While some of us are natural born savers, others may have a hard time making it to the next paycheck. Fortunately, most of us fall somewhere in-between, putting away money at times, while making frivolous purchases at other times.

What Does Having Wealth Mean to You?

In our discussions with clients, the term “wealth” has always been tossed about somewhat loosely. We talk about building wealth, wealth management, wealth enhancement, and wealth preservation and wealth in general as if it were universally understood.

The Keys to Building Wealth

For many Americans, building true wealth might seem elusive, even illusory considering that many people, who very recently were sitting on six and seven figure 401k plans and home equity values, now feel unprepared for retirement. The lessons learned from the financial crisis is that wealth can be fleeting.

Does a Sand Sculpture Teach Us Anything About Financial Planning

Last week Jeff and I spent a few days at the beach in San Clemente, CA as leaders of a church youth group.  As part of the activities we brought in a friend of mine, Randy Ewing, to do a sand sculpture.  Randy is an artist and his sand sculptures are amazing.  We started early in the morning by loading 3 stacked plywood frames with packed sand.  Once the sand blocks were pre

Retirement Savings vs. College Savings

Our clients often ask if saving for their children's college education should supersede saving for their retirement.  We typically recommend retirement savings as the top priority.  As mentioned in this video, you can take out a loan for college but you can not for your retirement.


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