• This field is for validation purposes and should be left unchanged.
Ready to talk? Call 949-305-0500

What You Need To Know About Target-Date Funds

Do target-date funds represent smart choices, or just convenient ones? These funds have become ubiquitous in employer-sponsored retirement plans and their popularity has soared in the past decade. According to Morningstar, net inflows into target-date funds tripled during 2007-13. Asset … Continue reading

What To Do With Your Tax Refund

Should your refund be spent? In 2014, more than 109 million tax filers received federal tax refunds, with the average refund at $2,792. What happens to that money? According to H&R Block’s Tax Institute, little of it is saved or … Continue reading

Economic Update 04/21/15

MODERATE INFLATION RESUMES The Consumer Price Index rose 0.2% for a second consecutive month in March, as did the Producer Price Index (in a marked departure from its 0.5% February retreat). Economists polled by MarketWatch had forecast an 0.3% March … Continue reading

Why You Need to Check Up on Your Retirement Strategy

Motivational speaker Denis Waitley once remarked, “You must stick to your conviction, but be ready to abandon your assumptions.” That statement certainly applies to retirement planning. Your effort must not waver, yet you must also examine it from time to … Continue reading

Economic Update 04/14/15

SERVICE SECTOR CONTINUES TO EXPAND At 56.5, the Institute for Supply Management’s March non-manufacturing index came in 0.4 points beneath its February reading but still indicated healthy expansion for the service industry. While business activity fell by 1.9%, new orders … Continue reading

The Basics of Medicare

Whether your 65th birthday is on the horizon or decades away, you should understand the parts of Medicare – what they cover, and where they come from. Parts A & B: Original Medicare. America created a national health insurance program … Continue reading

How Women Can Save More for Retirement

Numerous articles have mentioned the obstacles women can face as they save for retirement. Turning from the negative, here are some positive factors that may help women save more.  Financial literacy. Learning about investing, retirement topics and the markets is … Continue reading

Economic Update 04/07/15

EMPLOYERS ADD JUST 126,000 JOBS IN MARCH What led to this moderation in hiring, which snapped a yearlong streak of payrolls expanding by 200,000 or more per month? Are dollar strength and low oil prices now hampering corporate profits? Did … Continue reading

Economic Update 03/30/15

HOME SALES PICK UP Existing home sales accelerated 1.2% to an annual pace of 4.88 million in February, the National Association of Realtors announced. Sales had slowed markedly in January. February also brought a big jump in new home buying … Continue reading

The Psychology of Saving & Spending

Why do some households save more than others? Building household savings may depend not only on cash flow, but also on psychology. With the right outlook, saving becomes a commitment. With a less positive outlook, it becomes a task – … Continue reading