As the 2020-21 school year begins, students of all ages are facing many changes to their school experiences due to the COVID-19 pandemic—whether transitioning to remote instruction or instituting mask-wearing within school buildings. These changes may exacerbate annual back-to-school stress, as parents and students navigate covering the many back-to-school expenses. To help, understand your opportunities…
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Lately I’ve been reading and watching a lot of World War II documentaries (Netflix has a series called WWII In Color that is excellent). The more I learn about that war and the other wars our soldiers have fought in the more I understand and appreciate this holiday. I used to think about it as…
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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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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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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…
Read MoreThe 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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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…
Read MoreAs 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…
Read More 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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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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