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Investing

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

What’s This Gonna Cost? All About Fees

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Let’s play “complete the word.” We know it’s a bad word. We know it starts with “f.” We know it has four letters. We know this course is rated PG-13. So that must mean the word is: FEES. Yup, fees. Those nasty buggers that strip away your hard-earned money. The bad news is they are…

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What Is the Best Way To Handle the Ups and Downs in the Market?

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How will you possibly handle the ups in the market? This is kind of a trick question. Those stressful days, weeks, and months where you look at your accounts and they just keep going up, and all you can think of is all the money you are making? How will you handle this? Therapy? Of…

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How To Make More Money by Knowing Your Risk Tolerance

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You are now an expert on risk tolerance! Congratulations. But who cares? As the familiar saying goes, “You can’t pay your rent with risk tolerance.” Well, now, maybe you can. Let’s look at an example of two people: Clueless Karen and Insightful Irene. Clueless Karen has never heard of risk tolerance and is definitely not…

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What Is Risk Tolerance?

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Investing. You buy some stocks and mutual funds and watch your money grow like this over time. This is not what happens though. This is more like what happens. What does this represent? This shows the value of your portfolio, or maybe just a stock or mutual fund. Basically, it shows how the prices of…

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Account Ownership? What’s That?

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I’m all for starting slowly. Get started with something comfortably, and then gradually make things a bit more difficult. Unfortunately, brokerage firms, RIAs, and discount brokerages don’t take this same approach. Let’s say you get up the courage to start investing. You’ve gone through this book, and you feel you are money smart. You are…

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Don’t Believe the Hype: Knowing What’s Possible vs. What’s Probable

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Which of the following is possible? North Korean cyber-terrorists can hack into our banking system and wipe out our wealth. A magnitude 15 earthquake strikes in California causing the state to sink into the Pacific Ocean. Artificially intelligent robots replace 99% of global jobs leaving the population without work and income. The U.S. government could…

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The One Investment Trick You Need To Know

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For the next ten seconds, stop everything you’re doing. You just learned the investment trick. In case you missed it, let’s try it again. Imagine you just heard that a well-known financial guru has predicted the market is going to crash in the coming weeks. Here is the investment trick: stop everything you’re doing. Did…

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The Dangers of Financial Pornography

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Have you heard the breaking news story about the dog that bit a man? Of course not. That’s not news. A dog biting someone is fairly routine. What about the news story about the man biting a dog? Maybe that was newsworthy about 20 years ago, but even that is blasé. To make news now,…

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Why Are Investors so Bad At Investing?

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Have you heard of the caveman who was analytical, measured in his approach, and focused on long-term goals rather than short-term dangers? No? Yeah, me neither. That dude didn’t live to be 12 years old. He’s not a caveman, he’s a cave boy. All those wonderful personality characteristics would serve that cave boy today as…

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Why You Don’t Need to Time the Market

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Okay, so you were so moved by the last lesson that you are sure you will not be successful timing the market and you’re sure there isn’t some investment expert or formula that can time the market either. Does this mean you are doomed as an investor? Let’s look at some real world data. This…

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