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Financial Planning

We are an Orange County investment management and tax strategy firm that has developed a national reputation serving sudden wealth clients with financial planning.

How Much Can You Take From Your Investments And Not Run Out Of Money?

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Don’t Kill The Chicken So I’m 15 minutes into an explanation of what I think is a pretty important and complicated subject when my client stops me mid-sentence. She says, “So basically, don’t kill the chicken.” I pause. I pause some more. She looks at me like I’m an idiot, and I look at her…

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Keeping Up With The Capuchins

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This is the story about two naughty monkeys. Your money is threatened by a Trojan horse that comes in the form of a wide grin, a wink, and maybe a hug. This threat is like a computer virus. It runs without your awareness, takes hold of your operating system, and undermines your intentions. This threat…

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Shopaholic Syndrome: When You Just Can’t Stop Buying Stuff

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Here’s what I said about shopping addiction to Dr. Drew. Alcohol, crack, and heroin are known to be highly addictive, but can something as innocuous as shopping be addictive? Dr. Drew Pinksy is an addiction specialist. You may know him as just Dr. Drew. I’ve worked with him on a few TV shows. Here’s what…

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Help! I Want To Get Rid Of This Debt!

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Firstly, you rock. Listen, I get it. It’s easy to get into debt. Having debt reflects past decisions. Today is a new day. And today, you want to pay it off. Congratulations for coming to that decision! When you find yourself in a hole, the first step is to stop digging. That means chopping up…

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Good Debt vs. Bad Debt

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Okay, so debt generally stinks. I think we’ve established that in the last lesson. But sometimes you’ll hear people talk about good debt versus bad debt. Is there really a difference, or is it just a scam? What’s bad debt? Where do I start? Actually, let’s just assume that all debt is bad debt, unless…

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The Truth About Debt

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Let’s start with the basics. Debt is when you owe someone for money you have borrowed. Debt is really digging yourself a hole. The more debt you have, the bigger your hole. Instead of paying yourself first and saving for your own goals, you have to pay back the debt you owe. If the goal…

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A Trick That Can Save You $400,000

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We have two competing issues. On the one hand, talking about credit reports is mind-numbingly boring. On the other hand, talking about credit reports can save you several hundred thousand dollars. I mean, don’t get me wrong. I’m fond of money, but credit reports are sleep-inducing. It’s your call. Skip ahead to the next lesson,…

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How Your Credit Score Is Calculated

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Houston, we have a problem. The title for this lesson is, “How Your Credit Score Is Calculated,” but here’s what we don’t know . . . how your score is calculated. Yeah, that’s kind of a big deal. If you are going to be graded and so much lies on getting a good grade, wouldn’t…

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Am I Being Too Hard on Credit Cards?

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I’m going to show you how to make $13 billion a year. Create a product that is irresistible, addictive, and just a little evil. Of course, you know what I’m talking about. Crack. Yes, I’m going to show you how to create a crack business. You are going to make billions by giving crack to…

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The 8 Credit Card Rules

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If you’re going to have a credit card, and really, what are the chances I’ll actually talk you out of having a credit card, then please, at least practice safe charging. You can avoid most of the dangers of credit cards by thinking about these credit card rules: 1. Admit you are powerless and weak.…

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