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Financial Advisor Blog

Topics include sudden wealth, financial retirement planning, personal and business finance.

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Not all bonds are created equally

Not All Bonds Are Created Equally

Stocks have been the focus over the past couple of months. When you hear about the “market,” they are referring to the stock market. When they discuss that the “futures are up” or the “futures are down,” they are talking about stocks. Everybody wants to talk about stocks, but there is another type of investment…

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COVID-19 Financial Survival Guide

Why is the Stock Market Going Up and Will It Drop Again?

We’ve seen strong gains in the last few weeks from the March 23 low. The questions on many investors’ minds are why and will it last. There is a divergence between the reality of today (e.g., virus spread, lock-downs in many states, record unemployment claims, greatly reduced corporate earnings, rise in bankruptcies, etc.) and what…

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The Power of People: My Thoughts on the Coronavirus

Every day I feel humbled when I hear how companies are responding to the coronavirus. There are feel-good stories about how distilleries have shifted to producing hand sanitizer and how companies such as Apple have donated 9 million medical masks to healthcare workers. There are other stories about how innovative companies are devising ways to…

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A Brief Look At Historical Market Drops

The global stock market has declined in recent days as markets focus on the spread of coronavirus in China and around the world. And while the human toll of this epidemic should not be downplayed or overlooked, it is perhaps the short-term panic in financial markets that have been more contagious. In times like these,…

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Investment Summary For 2019 & What To Expect In 2020

Stock markets are riding high as we approach the end of 2019. What’s more, the largest pullback in the S&P 500 this year was only 7%. There are three key reasons for this outsized performance, and one important takeaway for investors as we enter 2020. Perhaps the most important reason that major markets have experienced…

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States With No Income Tax

As a financial advisor, nearly every client I’ve ever counseled has had one thing in common — their biggest expense has been taxes. For most higher earning individuals, income taxes can account for 40% or more of their income. There is no other expense that even comes close. This is why tax planning is so…

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Robert Speaks at The American College Commencement Ceremony

 Knowledge Summit 2019: Robert Pagliarini Speech from The American College Studios on Vimeo. A message from Pacifica Wealth Advisors President Robert Pagliarini… On Saturday, I participated in my PhD graduation ceremony at The American College in San Diego. I was honored to be selected as this year’s student speaker at the event. It was…

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What does it mean to be a “Real Fiduciary” and why should it matter to you?

Understanding of what a fiduciary financial advisor is – past and present. A new client meeting five or ten years ago looked like this. I’d be so excited to share with them that I was a fiduciary. I’d explain that I was a Real Fiduciary and I would always put their interests first. I would…

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How an Inverted Yield Curve Impacts Investors

The following is a guest post by James Liu, CFA, Founder and Head of Research at Clearnomics Of the market and economic indicators that predict recessions, none is as important as the steepness of the yield curve. It’s for this reason that markets reacted with uncertainty to last week’s intra-day yield curve inversion – the…

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Robert Pagliarini Earns PhD in Financial & Retirement Planning

I am very proud to announce that after nearly four years of long nights and weekends, I have successfully earned a PhD in financial and retirement planning from the American College. It’s been quite a journey! My dissertation is titled Role of Parent-Provided Financial Education on Financial Beliefs, Financial Behaviors & Financial Satisfaction. If you…

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