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09/27/2021
Honored to be recognized as one of the top financial advisors in from Expertise.com
Some great peers to share the recognition with here:
45 Best San Diego Financial Advisors | Expertise.com Find and connect with San Diego's best Financial Advisors. Hand picked by an independent editorial team and updated for 2021.
09/15/2021
Haven't done a video in a while. I get asked a lot about small business metrics, so I put together this video explaining seller's discretionary earnings (SDE) and EBITDA. Hopefully helps buyers and sellers!
What is SDE? This video helps provide background information on SDE and EBITDA. These are two critical terms when it comes to buying and selling a small to medium sized b...
Roth conversions are one of the topics that come up typically towards the end of the year because they can be one of the most powerful wealth building actions you can take; if you fit into the right circumstances.
You won't often hear about this strategy from accountants, as their attention is focused on reducing your taxes every year, rather then long term tax reducing strategies like this.
This strategy of paying taxes now with the hope of paying less taxes later can be very beneficial when planning financials in the long term.
Click the link in our bio to watch a quick video on how to implement this strategy and perhaps save lots of money!
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As we come to year end, you'll likely hear a lot of advisors (like myself) encouraging you to evaluate Roth Conversions for your financial plan.
This video explains Roth Conversions and why they can be such a powerful wealth building activity, if you fall into the right tax bracket and income trajectory!
Always coordinate with your tax professional. I've been on the phone with a dozen accountants the last few weeks getting the support team on the same page to ensure the strategy makes sense for our clients' situation BEFORE moving forward.
Hope this video helps!
https://youtu.be/T5gOIp67ab0
12/03/2020
As December starts, a lot of people begin to think about their 2021 budget.
But if you have a fluctuating/variable income, putting together a cash flow strategy can be very difficult. And if you Google tips, the results aren't very helpful.
Hopefully this article/video will change eventually change that as it climbs the ranks!.
This is a process I've used with clients with fluctuating incomes such as sales, freelancers or business owners that tends to work well. Hope it helps!
How To Budget On A Fluctuating Income Are you wondering how to budget on a fluctuating income?If a significant amount of your wages are variable or in the form of a bonus, you likely find traditi...
12/03/2020
As we close out the year, do you have an investment that's lost value and it's driving you nuts to look at it?
You're just hoping it will get back to "break even", at some point... There might be better use for that money!
End of year planning can be a great time to evaluate tax-loss harvesting. I explain what it is and how it works in this video:
Tax Loss Harvesting Are you interested in learning the benefits of tax loss harvesting? This video will show you how you can use the losses from that position you're frustrated ...
12/01/2020
Should you save in a 401(k) or an IRA in 2021?
In this article with Acorns I discuss, why not both?
We cover, the power of the employer match and the flexibility benefits of the Roth!
Should you use an IRA or a 401(k) to save for retirement? Here's how to make the most of both Invest in both types of retirement accounts, IRAs and 401(k)s, to harness the advantages that each one offers.
11/25/2020
Will be a little spammy this week, but that's because I am incredibly proud of how this course turned out.
I've read countless finance books and watched endless videos and truly believe this will be the best resource available to someone wanting step by step instructions on how to setup their finances.
This course goes A-Z on how to design and execute on building a system to grow and then protect your wealth. It will be particularly helpful to people 25-40, with no credit card debt, trying to figure out what to do with their excess cash flow.
Pre-sale will be all week at 50% off so if you have any questions at all, please reach out and ask! Course goes live 12/1. Click this link to learn more and sign up:
Drive To Financial Freedom An online, self-paced course empowering enrollees to take control of their financial future. Learn the critical concepts to grow and protect your money from a CFP®.
11/24/2020
Do you have an investment that's lost value and it drives you nuts to look at it?
You're just hoping it will get back to "break even", at some point... There might be better use for that money!
End of year planning can be a great time to evaluate tax-loss harvesting. I explain what it is and how it works in this video:
Tax Loss Harvesting Are you interested in learning the benefits of tax loss harvesting? This video will show you how you can use the losses from that position you're frustrated ...
11/23/2020
After 7 months of live classes and two months of video edits, I am excited to announce...
Now available for Black Friday WEEK! Pre-sale of the comprehensive financial course they should have taught growing up, but never did:
Drive To Financial Freedom
5 core sections with 28 videos covering:
1) How to build your automated cash flow system
2) Tips to invest so you can grow your money confidently
3) Ways to ensure you stop overpaying the IRS
4) Do's and don'ts when it comes to insurance
5) What estate planning is in plain english
I worked extremely hard on this and am excited to finally make the information available. Pre-sale will last all week and gets 50% off. So reach out to me if you have any questions or want to learn more.
Course goes live 12/1. Just in time to take control of your finances for 2021!
Drive To Financial Freedom An online, self-paced course empowering enrollees to take control of their financial future. Learn the critical concepts to grow and protect your money from a CFP®.
11/19/2020
As a longtime reader of MarketWatch myself, it was fun to be able to provide another reader with some tips on how they should approach their investment strategy.
We cover:
What's an appropriate expected return?
How to evaluate risk?
And why many people are asking the wrong question.
Hope you enjoy!
I’m a 31-year-old engineer who wants to shift to a lower-paying job one day — what rate of return do I need to sustain my retirement savings? Have a question about retirement? Email [email protected]
11/12/2020
With rates dropping, some people are wondering if they should abandon their emergency fund.
In this article with Business Insider, I share why I don't think that's such a good idea.
"Likely the most important aspect of long-term success with the high-yield savings account is pairing it with your other investments to ensure your total asset allocation is appropriate for your goals and risk tolerance," he said. "Often, people are viewing these accounts in isolation, which can lead them to be under/over funded."
I hope you find the information helpful!
A financial planner convinced me to keep my money in a high-yield savings account, even though my interest rate is below 1% and dropping After years earning next to nothing in interest in a typical savings account, she was dismayed when her high-yield savings rate started dropping
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