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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Moving Out of a High Income Tax State
Are you looking to move to a lower income tax state in preparation for retirement? Be sure to follow these basic rules to ensure you don’t get penalized in case of an audit!
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The Problem with the 4% Rule
What happens if the market is volatile when you retire? Today’s podcast episode discusses a major problem with the 4% rule that all retirement savers and soon-to-be retirees need to be aware of. Listen now and read my latest column on Forbes for more details on the 4% rule.
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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…
Read MoreStates 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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Everything You Wanted To Know About the Retirement Income 4% Rule
Have you heard of the 4% rule? How much can you safely withdraw from your retirement portfolio and not run out of money? Is allocating 75% of your portfolio to stocks a risky move? In today’s episode of Financial Transitions, we’ll explore everything you need to know about the 4% rule. Learn how you can…
Read MoreRobert 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 “Fiduciary” and why should it matter to you?
Understanding of what a fiduciary financial advisor is. 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 Fiduciary and I would be legally and ethically required to put their interests first. I would…
Read MoreHow 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…
Read MoreRobert 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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