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# Pacifica Wealth Advisors

Retirement Planning - Sudden Wealth | Pacifica Wealth

## Sitemaps

- [XML Sitemap](https://www.pacificawealth.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Financial Advisor Blog](https://www.pacificawealth.com/blog/) - Financial and business news from Pacifica Wealth Advisors. Topics include sudden wealth, retirement planning, personal finance and small business finance.
- [What does it mean to be a “Fiduciary” and why should it matter to you?](https://www.pacificawealth.com/what-does-it-mean-to-be-a-real-fiduciary-and-why-should-it-matter-to-you/) - We are Fiduciary financial planners. What does that mean for you? Learn about the difference between part-time and full-time fiduciaries. Read why choosing a Fiduciary financial planner is so important.
- [Don't Fade Away as You Age: Robert & Badass Retirement Featured in MarketWatch](https://www.pacificawealth.com/dont-fade-away-as-you-age-robert-badass-retirement-featured-in-marketwatch/)
- [Financial Advice for Lottery Winners](https://www.pacificawealth.com/financial-advice-for-lottery-winners/) - Have you won the lottery? We are nationally recognized as the experts on providing financial advice for lottery winners. See what we recommend...
- [Robert Featured on CFP®: How To Financially Manage Sudden Wealth](https://www.pacificawealth.com/robert-featured-on-cfp-how-to-financially-manage-sudden-wealth/)
- [JTWROS Versus JT TEN: Understanding the Difference](https://www.pacificawealth.com/jtwros-versus-jt-ten-understanding-difference/)
- [Four Steps if You Become a Victim of Identity Theft](https://www.pacificawealth.com/four-steps-if-you-become-a-victim-of-identity-theft/) - Follow this plan if you’ve recently become a victim of identity theft. The Six-Day Financial Makeover, with Robert Pagliarini
- [How to Protect Yourself from Identity Theft](https://www.pacificawealth.com/how-to-protect-yourself-from-identity-theft/) - The FBI lists identity theft as one of the fastest growing crimes in the US. How can you protect yourself? 6-Day Financial Makeover, with Robert Pagliarini
- [Are You At Risk of Identity Theft?](https://www.pacificawealth.com/are-you-at-risk-of-identity-theft/) - Certain practices make you more vulnerable to identity theft. How at risk are you? The Six-Day Financial Makeover, with Robert Pagliarini
- [What’s the Big Deal with Identity Theft?](https://www.pacificawealth.com/whats-the-big-deal-with-identity-theft/) - Identity theft is more than an inconvenience; it can be financially devastating. How can you protect yourself? 6-Day Financial Makeover | Robert Pagliarini
- [Protect Your Assets from Burglars and Fire](https://www.pacificawealth.com/protect-your-assets-from-burglars-and-fire/) - It’s not enough to have insurance. Ensure that home safes & safe-deposit boxes are a part of your financial plan. 6-Day Financial Makeover, Robert Pagliarini
- [Protecting Your Assets from Lawsuits](https://www.pacificawealth.com/protecting-your-assets-from-lawsuits/) - How can you safeguard your wealth from frivolous lawsuits? Have you considered umbrella liability insurance? 6-Day Financial Makeover, with Robert Pagliarini
- [Where to Get Started with Estate Planning](https://www.pacificawealth.com/where-to-get-started-with-estate-planning/) - Do you need to work with an estate planning attorney or can you rely on other sources like insurance brokers to develop your estate plan? Robert Pagliarini
- [Your Essential Estate Plan Toolkit: Optional Estate Planning Documents](https://www.pacificawealth.com/your-essential-estate-plan-toolkit-optional-estate-planning-documents/) - These typically aren’t legally binding estate plan documents, and they focus on values, lessons, and legacy issues. 6-Day Financial Makeover | Robert Pagliarini
- [Your Essential Estate Plan Toolkit: Power of Attorney](https://www.pacificawealth.com/your-essential-estate-plan-toolkit-power-of-attorney/) - This sounds more complicated than it is! There are four types of POA and each has its own purpose. The 6-Day Financial Makeover | Robert Pagliarini
- [Your Essential Estate Plan Toolbox: A Will](https://www.pacificawealth.com/your-essential-estate-plan-toolbox-a-will/) - A Will helps you ensure your impact on the world around you will continue after you. Here’s what you need to know. 6-Day Financial Makeover, Robert Pagliarini
- [The Top 10 Excuses People Use to Avoid Creating an Estate Plan](https://www.pacificawealth.com/the-top-10-excuses-people-use-to-avoid-creating-an-estate-plan/) - Are you putting off your estate planning? Don't fall prey to these common excuses! The Six-Day Financial Makeover | Robert Pagliarini
- [What’s Wrong with My Default Estate Plan?](https://www.pacificawealth.com/whats-wrong-with-my-default-estate-plan/) - By crafting your own continuation plan, you can rest assured that your wishes and your goals are addressed during life and at death. Robert Pagliarini.
- [Survive… The Death of a Loved One (Estate Planning Solutions)](https://www.pacificawealth.com/survive-the-death-of-a-loved-one-estate-planning-solutions/) - Most people are think that estate planning is not for them because they think it’s only for the rich. Yet, neglecting to plan for your estate is a mistake.
- [When Should You Buy a Long-Term Care Policy & How Much Should You Spend](https://www.pacificawealth.com/when-should-you-buy-a-long-term-care-policy-how-much-should-you-spend/) - There are few things in life that can cost as much as a prolonged LTC need. High costs for care can decimate even the strongest finances. Robert Pagliarini
- [What Should Your Long-Term Care Policy Entail?](https://www.pacificawealth.com/what-should-your-long-term-care-policy-entail/) - There are a large number of options with LTC insurance, but the following are general guidelines that will help determine what your policy should contain.
- [How Are You Going to Pay For Long-Term Care?](https://www.pacificawealth.com/how-are-you-going-to-pay-for-long-term-care/) - Long-term care is not cheap and costs vary depending on the type of care needed. How are you going to pay for LTC? 6-Day Financial Makeover | Robert Pagliarini
- [Survive… Old Age (Long-Term Care Solutions)](https://www.pacificawealth.com/survive-old-age-long-term-care-solutions/) - What do you need to know about long-term care (LTC) solutions? The Six-Day Financial Makeover, with Robert Pagliarini
- [What Are My Long-Term Care Options?](https://www.pacificawealth.com/what-are-my-long-term-care-options/) - There are more long-term care solutions available today than there were a few years ago. What are your options? The 6-Day Financial Makeover Robert Pagliarini
- [Survive… When Disaster Strikes](https://www.pacificawealth.com/survive-when-disaster-strikes/) - Insurance provides the best defense for situations that are impossible to predict, control, and prevent. But what insurance do you need? Robert Pagliarini
- [The Ins and Outs of Life Insurance](https://www.pacificawealth.com/the-ins-and-outs-of-life-insurance/) - If you have life insurance when you pass away, your loved ones can use the proceeds to help them fulfill their goals. Financial Makeover | Robert Pagliarini
- [What You Need to Know About Disability Insurance](https://www.pacificawealth.com/what-you-need-to-know-about-disability-insurance/) - Until you become financially independent, your ability to work needs to be protected. Disability insurance provides this protection. Robert Pagliarini
- [All About Health Insurance](https://www.pacificawealth.com/all-about-health-insurance/) - How much health insurance do you need? What type of plan is right for you? The Six-Day Financial Makeover | Robert Pagliarini
- [All About Homeowner’s Insurance](https://www.pacificawealth.com/all-about-homeowners-insurance/) - Not all homeowner insurance policies are created equal. How can you find the right plan for you? The Six-Day Financial Makeover | Robert Pagliarini
- [All About Auto Insurance](https://www.pacificawealth.com/all-about-auto-insurance/) - Little known auto insurance tips can have a dramatic impact on your finances. Here’s what you need to know. The 6-Day Financial Makeover. Robert Pagliarini
- [Monitor Your Investment Accounts](https://www.pacificawealth.com/monitor-your-investment-accounts/) - Do as much as you can on autopilot, but check in occasionally to make sure you’re still on financial track. 6-Day Financial Makeover, Robert Pagliarini
- [Six Steps to Investment Success](https://www.pacificawealth.com/six-steps-to-investment-success/) - Purpose-Driven Investing will help you reach your goals, achieve investment success, and become a better investor. 6-Day Financial Makeover | Robert Pagliarini
- [Invest Using the Investment Strategy that Best Matches Your Personality](https://www.pacificawealth.com/invest-using-the-investment-strategy-that-best-matches-your-personality/) - As you get closer to reaching your goals, you need to re-allocate the accounts to a more conservative portfolio. 6-Day Financial Makeover, Robert Pagliarini
- [Determine the Initial Timeframe for Each Goal](https://www.pacificawealth.com/determine-the-initial-timeframe-for-each-goal/) - The more time you have, the less money you need to save and the more dividends, interest & growth from your investments. This is the power of compounding. 6 Day Financial Makeover, Robert Pagliarini
- [Match Your Investment Personality with the Corresponding Investment Strategy](https://www.pacificawealth.com/match-your-investment-personality-with-the-corresponding-investment-strategy/) - Each Investment Personality requires a specific Investment Strategy. Learn what's right for you in the 6-Day Financial Makeover. Robert Pagliarini
- [Discover Your Investment Personality](https://www.pacificawealth.com/discover-your-investment-personality/) - Knowing and understanding your Investment Personality will help you maximize your return and keep yourself sane in the face of today’s information overload.
- [Create Investment Accounts for Each of Your Goals](https://www.pacificawealth.com/create-investment-accounts-for-each-of-your-goals/) - If you're not sure what kind of account to open, your brokerage firm should be able to help. The Six-Day Financial Makeover | Robert Pagliarini
- [Using Automatic Transfers to Easily Reach Your Goals](https://www.pacificawealth.com/using-automatic-transfers-to-easily-reach-your-goals/) - If your employer doesn’t offer direct deposit, you can still put savings on autopilot. The Six-Day Financial Makeover | Robert Pagliarini
- [Capitalize on the Advantages of Direct Deposit](https://www.pacificawealth.com/capitalize-on-the-advantages-of-direct-deposit/) - How can you take the ease of saving in your 401(k) and save for your other goals? The Six-Day Financial Makeover | Robert Pagliarini
- [Taking Advantage of Your 401(k) Account](https://www.pacificawealth.com/taking-advantage-of-your-401k-account/) - The 401(k) is one of the best tools you have in your savings arsenal. The Six-Day Financial Makeover | Robert Pagliarini
- [An Effortless Savings Program](https://www.pacificawealth.com/an-effortless-savings-program/) - A good savings plan is like a good diet: It’s only going to work if you stick with it. The Six-Day Financial Makeover | Robert Pagliarini
- [Introducing Purpose-Driven Investing](https://www.pacificawealth.com/introducing-purpose-driven-investing/) - Purpose-Driven Investing simplifies investing so you don’t feel overwhelmed. How can you leverage this strategy? 6-Day Financial Makeover | Robert Pagliarini
- [The Benefits of Purpose-Driven Investing](https://www.pacificawealth.com/the-benefits-of-purpose-driven-investing/) - What are the real-world benefits of implementing a Purpose-Driven Investing strategy? The Six-Day Financial Makeover | Robert Pagliarini
- [What's Wrong With How We Currently Invest?](https://www.pacificawealth.com/whats-wrong-with-how-we-currently-invest/) - Unfortunately, the traditional method of investing isn’t intuitive and it just isn’t effective. The Six-Day Financial Makeover | Robert Pagliarini
- [Income Maximizing Program](https://www.pacificawealth.com/income-maximizing-program/) - What should you do if the life you want is above your means? Increase your income to match your desired lifestyle. 6-Day Financial Makeover | Robert Pagliarini
- [The Debt Demolition Program](https://www.pacificawealth.com/the-debt-demolition-program/) - How can you think about saving to reach your goals when you are plagued with overwhelming credit card debt? The Six-Day Financial Makeover | Robert Pagliarini
- [The Expense X-Ray Process](https://www.pacificawealth.com/the-expense-x-ray-process/) - It’s time to X-Ray your cash-flow to look for hidden opportunities. Take a close look at each expense to determine if it supports your overall life vision.
- [The Optimized Spending Pyramid](https://www.pacificawealth.com/the-optimized-spending-pyramid/) - Before you analyze your expenses and goals and develop a personalized cash-flow plan, let’s look at an optimized Spending Pyramid. Robert Pagliarini
- [Swim, Tread, or Sink? A Cash-Flow Quiz](https://www.pacificawealth.com/swim-tread-or-sink-a-cash-flow-quiz/) - Are your finances in shape or are you falling behind? Find out how to start getting ahead. The Six-Day Financial Makeover | Robert Pagliarini
- [Take Control of Your Cash-Flow](https://www.pacificawealth.com/take-control-of-your-cash-flow/) - When it comes to finances, it doesn’t matter how much or little income you have as long as you use it efficiently. 6-Day Financial Makeover | Robert Pagliarini
- [Take Control of Your Net Worth](https://www.pacificawealth.com/take-control-of-your-net-worth/)
- [Take Control of Your Finances](https://www.pacificawealth.com/take-control-of-your-finances/) - If you aren’t in control of your finances, they're in control of you. How can you get closer to reaching your goals? Robert Pagliarini, 6-Day Financial Makeover
- [Limiting Belief #7: I Should Be Able to Read a Book or Attend a Conference and Immediately Become Financially Successful](https://www.pacificawealth.com/limiting-belief-7-i-should-be-able-to-read-a-book-or-attend-a-conference-and-immediately-become-financially-successful/) - Your six-day financial makeover requires action. You've got to implement. Pacifica Wealth Advisors | Robert Pagliarini
- [Limiting Belief #6:  I’m Not Smart Enough to be Financially Successful](https://www.pacificawealth.com/limiting-belief-6-im-not-smart-enough-to-be-financially-successful/) - What does it take to become financially successful? Is there a proven formula that will provide the solution? The Six-Day Financial Makeover | Robert Pagliarini
- [Limiting Belief #5: You Have to Lie, Cheat, and Take Advantage of People to Become Successful](https://www.pacificawealth.com/limiting-belief-5-you-have-to-lie-cheat-and-take-advantage-of-people-to-become-successful/) - Do you have to lie, cheat, and take advantage of people to become financially successful? The Six-Day Financial Makeover, with Robert Pagliarini
- [Limiting Belief #4: If I’m Financially Successful, I’ll Be Working So Much I Won’t Have Any Time with My Family or My Hobbies](https://www.pacificawealth.com/limiting-belief-4-if-im-financially-successful-ill-be-working-so-much-i-wont-have-any-time-with-my-family-or-my-hobbies/) - Financial success and happiness is not an either/or choice. As long as you keep your purpose in mind, you won’t get sucked into the rat-race. Robert Pagliarini
- [Limiting Belief #3: Small Actions are Insignificant and Don’t Produce Big Rewards](https://www.pacificawealth.com/limiting-belief-3-small-actions-are-insignificant-and-dont-produce-big-rewards/) - No matter how small your actions, over time, they can have a tremendous impact on your success. The Six-Day Financial Makeover, Robert Pagliarini
- [Limiting Belief #2: Getting By Is Good Enough](https://www.pacificawealth.com/limiting-belief-2-getting-by-is-good-enough/) - How can you avoid falling into the mental trap of mediocrity? The Six-Day Financial Makeover, with Robert Pagliarini.
- [Limiting Belief #1: No Matter What I Do, I Can’t Get Ahead](https://www.pacificawealth.com/limiting-belief-1-no-matter-what-i-do-i-cant-get-ahead/) - Warning: This belief is extremely dangerous to your wealth & is guaranteed to cause financial paralysis. The Six-Day Financial Makeover, with Robert Pagliarini.
- [The 7 Most Common Limiting Financial Beliefs](https://www.pacificawealth.com/the-7-most-common-limiting-financial-beliefs/) - What beliefs prevent you from moving forward and having the life you desire? What's holding you back? The Six-Day Financial Makeover, with Robert Pagliarini.
- [Eliminate Limiting Beliefs](https://www.pacificawealth.com/eliminate-limiting-beliefs/) - Are you ready to break free from those limiting beliefs that have held you back from financial success? The Six-Day Financial Makeover, with Robert Pagliarini.
- [Use Pictures for Motivation](https://www.pacificawealth.com/use-pictures-for-motivation/) - There's nothing more powerful than looking a collection of pictures that represent your most important goals. The Six-Day Financial Makeover | Robert Pagliarini
- [Calculate How Money Can Help](https://www.pacificawealth.com/calculate-how-money-can-help/) - Calculate how money can help you achieve the IMPACT-Goals most important to you. The Six-Day Financial Makeover | Robert Pagliarini
- [Create and Prioritize IMPACT-Goals](https://www.pacificawealth.com/create-and-prioritize-impact-goals/) - Learn how to set IMPACT-Goals – goals that are designed to be accomplished! The Six-Day Financial Makeover | Robert Pagliarini
- [Define Your Want List](https://www.pacificawealth.com/define-your-want-list/) - This is your chance to define the life you want. It’s time to open the floodgates & unleash your creativity! The Six-Day Financial Makeover, Robert Pagliarini
- [Create the Perfect Vision for Your Future](https://www.pacificawealth.com/create-the-perfect-vision-for-your-future/) - Are you ready to create the perfect vision for you future? The Six-Day Financial Makeover | Robert Pagliarini
- [Get the Most From Life](https://www.pacificawealth.com/get-the-most-from-life/) - When it comes to achieving the life of your dreams, where should you begin? The Six-Day Financial Makeover | Robert Pagliarini
- [The Importance of a Balanced Life](https://www.pacificawealth.com/the-importance-of-a-balanced-life/) - To advance in one area of our life, we often neglect another. How can you maintain a balanced life? The Six-Day Financial Makeover | Robert Pagliarini.
- [What Financial Independence Doesn’t Guarantee](https://www.pacificawealth.com/what-financial-independence-doesnt-guarantee/) - If money doesn’t buy happiness, is achieving financial independence still worthwhile? The Six-Day Financial Makeover | Robert Pagliarini | Pacifica Wealth
- [Are You Financially Independent?](https://www.pacificawealth.com/are-you-financially-independent/) - Financial independence involves earning enough passive income to support the kind of lifestyle you desire. The Six-Day Financial Makeover | Robert Pagliarini.
- [What is Financial Independence?](https://www.pacificawealth.com/what-is-financial-independence-2/) - I define financial independence as being able to support the lifestyle you desire without having to work. The Six-Day Financial Makeover | Robert Pagliarini.
- [The Importance of Financial Independence](https://www.pacificawealth.com/the-importance-of-financial-independence/) - Here's why gaining financial independence should be your primary financial goal moving forward. The Six-Day Financial Makeover | Robert Pagliarini.
- [Do You Need A Financial Makeover?](https://www.pacificawealth.com/do-you-need-a-financial-makeover/) - Do you want more from life? Are you working harder and putting in longer hours but don’t feel secure? The Six-Day Financial Makeover, Robert Pagliarini.
- [What's A Beneficiary?](https://www.pacificawealth.com/whats-a-beneficiary/) - Here's a slick way to leave money to your family and friends in today's Get Money Smart lesson. Continue your financial education with Robert Pagliarini.
- [How To (Financially) Survive Death](https://www.pacificawealth.com/how-to-financially-survive-death/) - You really have about three main options when it comes to handling what happens to your estate after you die. Continue Get Money Smart with Robert Pagliarini.
- [How To (Financially) Survive A Fraudster](https://www.pacificawealth.com/how-to-financially-survive-a-fraudster/) - Here are 6 tips to protect your finances from the next Bernie Madoff. Continue your Get Money Smart financial education and grow your wealth. Robert Pagliarini.
- [How To (Financially) Survive A Lawsuit](https://www.pacificawealth.com/how-to-financially-survive-a-lawsuit/) - If you haven’t protected yourself, not only can lawsuits be terrifying, but they can also ruin your life. How can you safeguard your finances? Get Money Smart.
- [The Top 3 Risks To Your Money](https://www.pacificawealth.com/the-top-3-risks-to-your-money/) - Each of these risks can decimate your finances overnight, so how can you protect yourself? Continue your Get Money Smart financial education. Robert Pagliarini.
- [All About Disability Insurance](https://www.pacificawealth.com/all-about-disability-insurance/) - This type of insurance can be a real life saver. Learn why you need disability insurance and how you can protect your wealth. Get Money Smart. Robert Pagliarini
- [All About Life Insurance](https://www.pacificawealth.com/all-about-life-insurance/) - There are hundreds of types of life insurance, but the good news is you really need to only know the two big categories. Get Money Smart, Robert Pagliarini.
- [Umbrella Liability Insurance](https://www.pacificawealth.com/umbrella-liability-insurance/)
- [What You Need To Know About Property And Casualty Insurance](https://www.pacificawealth.com/what-you-need-to-know-about-property-and-casualty-insurance/) - The only thing worse than paying for insurance and never needing it is paying for insurance and needing it. Get Money Smart, with Robert Pagliarini.
- [How Are Advisors Compensated?](https://www.pacificawealth.com/how-are-advisors-compensated/) - Ah, very good question! Let’s talk about the ways an investment advisor or financial planner can be compensated. Get Money Smart, Robert Pagliarini.
- [How I See The World...](https://www.pacificawealth.com/how-i-see-the-world/) - Your job is to get into the mind of the advisor and to imagine how they see the world. Continue your Get Money Smart education, with Robert Pagliarini.
- [When To Be The Financial Driver Or Passenger](https://www.pacificawealth.com/when-to-be-the-financial-driver-or-passenger/) - Money can create an interesting power dynamic between you (the client) and your advisors. When should you take the lead? Get Money Smart with Robert Pagliarini.
- [How To Find A Good Financial Advisor: Part 3](https://www.pacificawealth.com/how-to-find-a-good-financial-advisor-part-3/) - In your quest for a good financial advisor, what should you look for? Continue your Get Money Smart financial education with Robert Pagliarini, Get Money Smart.
- [How To Find A Good Financial Advisor: Part 2](https://www.pacificawealth.com/how-to-find-a-good-financial-advisor-part-2/) - Here's why you'll want to work with a Certified Financial Planner®. Continue your Get Money Smart financial education with Robert Pagliarini, Pacifica Wealth.
- [How To Find A Good Financial Advisor: Part 1](https://www.pacificawealth.com/how-to-find-a-good-financial-advisor-part-1/)
- [Game Time! Who's On Your Team?](https://www.pacificawealth.com/game-time-whos-on-your-team/) - You’ll want these three all-stars working for you: I call them the Advisor Triad. Continue your Get Money Smart financial education, with Robert Pagliarini.
- [Why A 5% Return May Be Better Than A 7% Return](https://www.pacificawealth.com/why-a-5-return-may-be-better-than-a-7-return/) - Don’t be confused or misled by promises of high returns. Continue your Get Money Smart financial education, with Robert Pagliarini, Pacifica Wealth Advisors.
- [How To File Your Taxes](https://www.pacificawealth.com/how-to-file-your-taxes/) - There are really only three options when it comes to filing your taxes each year. Continue to grow your Get Money Smart financial education. Robert Pagliarini.
- [How Do I Know How Much To Pay In Taxes?](https://www.pacificawealth.com/how-do-i-know-how-much-to-pay-in-taxes/) - The IRS tax form is called your income tax return. The most common is called the 1040. Continue your Get Money Smart financial education, with Robert Pagliarini
- [So I'm Taxed If I Make Money, But What If I Lose Money?](https://www.pacificawealth.com/so-im-taxed-if-i-make-money-but-what-if-i-lose-money/) - Here's what happens if you have capital losses, rather than capital gains. Continue your Get Money Smart financial education. Robert Pagliarini, Pacifica Wealth
- [What's So Special About Municipal Bonds?](https://www.pacificawealth.com/whats-so-special-about-municipal-bonds/) - When it comes to tax strategy, here's why investing in municipal bonds is almost too good to be true! Continue your Get Money Smart education. Robert Pagliarini
- [How Are Capital Gains Taxed?](https://www.pacificawealth.com/how-are-capital-gains-taxed/) - If you don’t like how ordinary income is taxed, you’ll love how capital gains are taxed. Continue your Get Money Smart financial education. Robert Pagliarini
- [What is Ordinary Income?](https://www.pacificawealth.com/what-is-ordinary-income/) - An extraordinary lesson on ordinary income. Person A makes $100,000. Person B makes $50,000. Who is going to pay more tax? Robert Pagliarini - Get Money Smart
- [Who Do I Pay Taxes To?](https://www.pacificawealth.com/who-do-i-pay-taxes-to/) - The federal government, through the IRS, makes you pay them some of the money you make. Continue your Get Money Smart financial education. Robert Pagliarini.
- [What Are The Different Types of Taxes?](https://www.pacificawealth.com/what-are-the-different-types-of-taxes/) - Almost all taxes can fit into the following four categories: make it, spend it, own it, or give it. Continue your Get Money Smart education. Robert Pagliarini.
- [What's The Big Deal With Taxes?](https://www.pacificawealth.com/whats-the-big-deal-with-taxes/)
- [What Are Taxes?](https://www.pacificawealth.com/what-are-taxes/) - If you’ve ever thought to yourself, “The hardest thing in the world to understand is income taxes,” you may be a genius! No one likes taxes, so why have them?
- [How Much Can You Take From Your Investments And Not Run Out Of Money?](https://www.pacificawealth.com/how-much-can-you-take-from-your-investments-and-not-run-out-of-money/) - How much can you take from your portfolio and not run out of money? Follow the 4% rule. Robert Pagliarini. Pacifica Wealth Advisors
- [Keeping Up With The Capuchins](https://www.pacificawealth.com/keeping-up-with-the-capuchins/) - Relative deprivation is a major threat to your finances. What is it and how can you protect yourself? Continue your Get Money Smart education. Robert Pagliarini
- [Shopaholic Syndrome: When You Just Can't Stop Buying Stuff](https://www.pacificawealth.com/shopaholic-syndrome-when-you-just-cant-stop-buying-stuff/) - If you find you are spending more than you can afford, consider these tips on beating shopping addiction. Robert Pagliarini | Get Money Smart | Pacifica Wealth.
- [Help! I Want To Get Rid Of This Debt!](https://www.pacificawealth.com/help-i-want-to-get-rid-of-this-debt/) - Here are real strategies that will work to help you climb out of the debt hole. Continue your Get Money Smart education and grow your wealth. Robert Pagliarini.
- [Assets vs. Liabilities](https://www.pacificawealth.com/assets-vs-liabilities/) - Buy assets and avoid buying liabilities. Your financial education to prepare yourself to grow your wealth and investments. Robert Pagliarini - Get Money Smart
- [Good Debt vs. Bad Debt](https://www.pacificawealth.com/good-debt-vs-bad-debt/) - Want a quick rule of thumb when it comes to understanding the difference between good and bad debt? Continue your Get Money Smart education. Robert Pagliarini
- [The Truth About Debt](https://www.pacificawealth.com/the-truth-about-debt/) - Avoid getting caught in the debt hole. Continue your Get Money Smart financial education and learn how to grow your wealth. Robert Pagliarini
- [A Trick That Can Save You $400,000](https://www.pacificawealth.com/a-trick-that-can-save-you-400000/) - There's a good chance there's an error on your credit report, which can cost you hundreds of thousands of dollars. Here's how to resolve it. Get Money Smart
- [How Your Credit Score Is Calculated](https://www.pacificawealth.com/how-your-credit-score-is-calculated/) - These rules from credit scoring companies will help improve your credit score. Continue your Get Money Smart education & grow your wealth. Robert Pagliarini.
- [What's Your Credit GPA?](https://www.pacificawealth.com/whats-your-credit-gpa/) - Learn all about credit scores. Continue your Get Money Smart financial education and learn to grow your wealth. Robert Pagliarini.
- [Am I Being Too Hard on Credit Cards?](https://www.pacificawealth.com/am-i-being-too-hard-on-credit-cards/) - Learn how credit card companies are making $13 billion per year. Continue your Get Money Smart financial education and grow your wealth. Robert Pagliarini.
- [The 8 Credit Card Rules](https://www.pacificawealth.com/the-8-credit-card-rules/) - Practice safe charging by following these lifesaving credit card rules. Continue your Get Money Smart financial education & grow your wealth. Robert Pagliarini.
- [Free Money! All About Credit Cards](https://www.pacificawealth.com/free-money-all-about-credit-cards/) - Credit cards are the gift that keeps on giving -- both awesome & the cause of crippling debt. Continue your Get Money Smart education. Robert Pagliarini.
- [Credit Cards Are Freakin' Awesome!](https://www.pacificawealth.com/credit-cards-are-freakin-awesome/) - The problem with credit cards is . . . oh, who am I kidding? Credit cards are awesome! Continue your Get Money Smart financial education. Robert Pagliarini.
- [A Few Tricks To Reduce Your Expenses](https://www.pacificawealth.com/a-few-tricks-to-reduce-your-expenses/) - Here are painless strategies and tricks that anyone can use to reduce their expenses. Continue your Get Money Smart financial education. Robert Pagliarini.
- [How To Cut Your Expenses with PERK](https://www.pacificawealth.com/how-to-cut-your-expenses-with-perk/) - Good Morning America loved this so much, they had me back three times. It's an easy and painless way to cut your expenses. Robert Pagliarini. Get Money Smart
- [The True Cost of Something](https://www.pacificawealth.com/the-true-cost-of-something/) - Instead of looking at a price tag and assuming that is what something costs, ask yourself how much you had to earn to buy it. Robert Pagliarini. Get Money Smart
- [Why We Buy: The Psychology of Spending Money](https://www.pacificawealth.com/why-we-buy-the-psychology-of-spending-money/) - Explore the psychology behind why we spend money, while continuing your Get Money Smart financial education. Learn how to grow your wealth. Robert Pagliarini.
- [Where Should You Invest? Discount Brokerage](https://www.pacificawealth.com/where-should-you-invest-discount-brokerage/) - If you enjoy investing and think you would be good at it, a discount brokerage puts you in total control & is less expensive. Robert Pagliarini. Pacifica Wealth
- [Where Should You Invest? RIA](https://www.pacificawealth.com/where-should-you-invest-ria/) - Investing with an RIA is a growing and popular option and will probably be a good option for you. Continue your Get Money Smart education. Robert Pagliarini.
- [Where Should You Invest? With A Big Brokerage Firm](https://www.pacificawealth.com/where-should-you-invest-with-a-big-brokerage-firm/) - What are the advantages of investing with a large brokerage firm? Continue your Get Money Smart financial education. Robert Pagliarini. Pacifica Wealth.
- [Where Should You Invest? Directly With A Mutual Fund Company](https://www.pacificawealth.com/where-should-you-invest-directly-with-a-mutual-fund-company/) - Learn how you can invest in mutual fund companies in today's Get Money Smart lesson, and continue your financial education. Robert Pagliarini. Pacifica Wealth.
- [Value Versus Growth Investing: What's A Growth Company?](https://www.pacificawealth.com/value-versus-growth-investing-whats-a-growth-company/) - Buying a value stock is good, but you don’t want to miss out on growth companies! Continue your Get Money Smart education. Robert Pagliarini. Pacifica Wealth.
- [Value Investing vs. Growth Investing: What's A Value Company?](https://www.pacificawealth.com/value-investing-vs-growth-investing-whats-a-value-company/) - Looking to grow your portfolio? Here’s the investment strategy that’s made Warren Buffet one of the richest people in the world. Robert Pagliarini.
- [What Does It Mean That a Stock Is Over or Under Valued?](https://www.pacificawealth.com/what-does-it-mean-that-a-stock-is-over-or-under-valued/) - Here's how to tell if you're buying a stock on sale or over paying for it. Continue your Get Money Smart financial education. Robert Pagliarini. Pacifica Wealth
- [Robert Pagliarini Provides Sudden Wealth Advice to $516M Lottery Winner on USA Today Network Podcast](https://www.pacificawealth.com/robert-pagliarini-provides-sudden-wealth-advice-to-516m-lottery-winner-on-usa-today-network-podcast/) - Robert Pagliarini was featured on a USA Today Network podcast, where he offers advice on protecting newly acquired sudden wealth to a recent lottery winner.
- [Recessions and Depressions: The More Prozac Lesson](https://www.pacificawealth.com/recessions-and-depressions-the-more-prozac-lesson/) - Unlike corrections and bear markets (terms that describe the stock market going down), recessions and depressions describe how much the economy is going down.
- [Corrections and Bear Markets: The Prozac Lesson](https://www.pacificawealth.com/corrections-and-bear-markets-the-prozac-lesson/) - Corrections and bear markets, relate to the stock market and how much stocks are going down. Continue your Get Money Smart education with Robert Pagliarini.
- [Technical vs. Fundamental Analysis](https://www.pacificawealth.com/technical-vs-fundamental-analysis/) - Both fundamental and technical analysts swear by their methods. Which method should you focus on as an investor? Get Money Smart with Robert Pagliarini.
- [Realized Versus Unrealized Gains/Losses](https://www.pacificawealth.com/realized-versus-unrealized-gains-losses/) - Realized versus unrealized gains or losses is not as complicated as it sounds. Learn more and continue your Get Money Smart financial education. Robert Pagliarini
- [What is Socially Responsible Investing?](https://www.pacificawealth.com/what-is-socially-responsible-investing/) - The goal with socially responsible investing is to make money and at the same time feel good about the companies you own. Robert Pagliarini, Get Money Smart
- [What is Dollar Cost Averaging?](https://www.pacificawealth.com/what-is-dollar-cost-averaging/) - Dollar cost averaging is a financial technique can help you make more money as an investor. Continue your Get Money Smart financial education. Robert Pagliarini
- [Making Money With Compound Investing](https://www.pacificawealth.com/making-money-with-compound-investing/) - Compound investing is the real secret to creating wealth. Continue your financial education & become a better investor with Get Money Smart. Robert Pagliarini.
- [Should I Reinvest Dividends?](https://www.pacificawealth.com/should-i-reinvest-dividends/) - While we all know that investments pay income, the question is what to do with that income. Continue your Get Money Smart financial education. Robert Pagliarini
- [Cryptocurrency Consulting? CNN Business Interviews Robert Pagliarini](https://www.pacificawealth.com/cryptocurrency-consulting-cnn-business-interviews-robert-pagliarini/)
- [So, How Did My Investment Do?](https://www.pacificawealth.com/so-how-did-my-investment-do/) - Why a 10% return is bad & a -5% return is great. Continue your Get Money Smart education & better gauge how you your investments performed. Robert Pagliarini
- [What You Need To Know About Retirement Accounts](https://www.pacificawealth.com/what-you-need-to-know-about-retirement-accounts/) - Here’s the least you need to know about the most common retirement accounts. Continue your Get Money Smart Education. Robert Pagliarini - Pacifica Wealth
- [What Are Asset Under Management Fees?](https://www.pacificawealth.com/what-are-asset-under-management-fees/) - Make sure you understand all the fees you’re paying, including Asset Under Management fees, and total them up. Get Money Smart, with Robert Pagliarini.
- [What's an Expense Ratio?](https://www.pacificawealth.com/whats-an-expense-ratio/) - An expense ratio is the fee you pay to investment managers. It's a flat percentage that represents an annual fee. Get Money Smart, with Robert Pagliarini.
- [What's This Gonna Cost? All About Fees](https://www.pacificawealth.com/whats-this-gonna-cost-all-about-fees/) - Transaction fees, commissions and loads can strip away your hard-earned money. How can you protect your portfolio? Robert Pagliarini. Get Money Smart
- [What Is the Best Way To Handle the Ups and Downs in the Market?](https://www.pacificawealth.com/what-is-the-best-way-to-handle-the-ups-and-downs-in-the-market/) - How can you avoid the number one mistake investors make? Continue your Get Money Smart financial education and learn how to grow your wealth. Robert Pagliarini.
- [How To Make More Money by Knowing Your Risk Tolerance](https://www.pacificawealth.com/how-to-make-more-money-by-knowing-your-risk-tolerance/) - Know your risk tolerance and understand how it should guide you to invest. Continue your Get Money Smart education and grow your wealth. Robert Pagliarini.
- [What Is Risk Tolerance?](https://www.pacificawealth.com/what-is-risk-tolerance/) - Knowing your risk tolerance is important – it can make you a better investor & make you more money. Continue your Get Money Smart education. Robert Pagliarini.
- [Account Ownership? What's That?](https://www.pacificawealth.com/account-ownership-whats-that/) - Account ownership affects who has access to your money while you're alive & it also determines what happens if you pass away. Robert Pagliarini. Get Money Smart
- [Don't Believe the Hype: Knowing What's Possible vs. What's Probable](https://www.pacificawealth.com/dont-believe-the-hype-knowing-whats-possible-vs-whats-probable/) - Knowing the difference between what's probable versus what's possible could make or break your investment success. Robert Pagliarini. Get Money Smart
- [The One Investment Trick You Need To Know](https://www.pacificawealth.com/the-one-investment-trick-you-need-to-know/) - This investment trick is one of the best things you can do to protect your portfolio from losses. Continue your Get Money Smart education. Robert Pagliarini.
- [The Dangers of Financial Pornography](https://www.pacificawealth.com/the-dangers-of-financial-pornography/) - Paying too much attention to "financial pornography" is a surefire way to lose all your money. Continue your Get Money Smart education. Robert Pagliarini
- [Why Are Investors so Bad At Investing?](https://www.pacificawealth.com/why-are-investors-so-bad-at-investing/) - Why do investors perform so badly, and more importantly, how can you do better? Continue your Get Money Smart education and grow your wealth. Robert Pagliarini
- [Why You Don't Need to Time the Market](https://www.pacificawealth.com/why-you-dont-need-to-time-the-market/) - Because timing the market perfectly is about as likely as winning the lottery, the best strategy is not to market-time at all. Robert Pagliarini Get Money Smart
- [How to Become A Millionaire By Timing the Market](https://www.pacificawealth.com/how-to-become-a-millionaire-by-timing-the-market/) - Who wants to be a millionaire? Here's how you can by timing the market. Continue your Get Money Smart financial education & grow your wealth. Robert Pagliarini
- [The Epic Battle Between Risk and Return](https://www.pacificawealth.com/the-epic-battle-between-risk-and-return/) - What’s an investment manager and a gym buff have in common? No pain, no gain! That's key when it comes to understanding risk and return. Get Money Smart
- [What Can Happen If You Don't Understand Asset Allocation](https://www.pacificawealth.com/what-can-happen-if-you-dont-understand-asset-allocation/) - Do you think someone retiring who needs some income & stability should have 98% in stocks? Continue your Get Money Smart financial education. Robert Pagliarini
- [Asset Allocation Is For Losers](https://www.pacificawealth.com/asset-allocation-is-for-losers/)
- [What is Asset Allocation?](https://www.pacificawealth.com/what-is-asset-allocation/) - Asset Allocation is one of the fundamentals of investing. Learn how to examine your portfolio and continue your Get Money Smart education. Robert Pagliarini
- [How To Invest In Real Estate](https://www.pacificawealth.com/how-to-invest-in-real-estate/) - Before you decide to invest in real estate, learn more about the three different types: commercial, residential, industrial. Robert Pagliarini - Get Money Smart
- [Why Would I Ever Lend Money To A Shady Friend?](https://www.pacificawealth.com/why-would-i-ever-lend-money-to-a-shady-friend/) - High yield bonds have high interest rates and a higher chance you won’t get your money back. Learn more in today's Get Money Smart lesson. Robert Pagliarini
- [Investing in Real Estate: Raw Versus Developed](https://www.pacificawealth.com/investing-in-real-estate-raw-versus-developed/) - So you wanna be a real estate tycoon? Before you jump in & start buying real estate, let’s grow your financial knowledge get you money smart. Robert Pagliarini
- [Do Bonds Have Credit Scores?](https://www.pacificawealth.com/do-bonds-have-credit-scores/) - If you buy a bond from a company with a low credit quality rating, you might not get payed back. Continue your Get Money Smart education. Robert Pagliarini
- [Digging Deeper Into Bonds](https://www.pacificawealth.com/digging-deeper-into-bonds/) - What are the main sub-asset classes when it comes to bonds? Learn more about your investments and continue your Get Money Smart education. Robert Pagliarini
- [Digging Deeper Into Stocks: Pop Quiz](https://www.pacificawealth.com/digging-deeper-into-stocks-pop-quiz/) - Ready to test your knowledge on stocks? Time for a Get Money Smart pop quiz to gauge your financial education. Robert Pagliarini
- [Digging Deeper Into Stocks: Part 2](https://www.pacificawealth.com/digging-deeper-into-stocks-part-2/) - Here’s another way to look at stocks. Become an informed investor with Get Money Smart, and learn to grow your financial confidence & wealth. Robert Pagliarini
- [What Are Better, Stocks or Bonds?](https://www.pacificawealth.com/what-are-better-stocks-or-bonds/) - When it comes to your portfolio, is it better to invest in stocks or bonds? Here’s why you need both to create wealth. Robert Pagliarini - Get Money Smart
- [What's A Bond?](https://www.pacificawealth.com/whats-a-bond/) - A bond is like an IOU with benefits, called interest. If you invest in bonds is it possible to lose money too? Robert Pagliarini - Get Money Smart
- [The Real Difference Between Stocks and Bonds](https://www.pacificawealth.com/stocks-and-bonds/) - Let’s think about stocks and bonds in terms of a relationship. Learn to Get Money Smart & make better financial decisions to grow your wealth. Robert Pagliarini
- [What's A Mutual Fund?](https://www.pacificawealth.com/whats-a-mutual-fund/) - Instead of investing in a single individual investment like a stock or bond, a mutual fund invests in a whole basket of them. Robert Pagliarini, Get Money Smart
- [What's An Exchange Traded Fund (ETF)?](https://www.pacificawealth.com/whats-an-exchange-traded-fund-etf/) - An exchange traded fund is a fancy name for a basic (but very important) type of investment. Continue your Get Money Smart financial education Robert Pagliarini
- [How the Stock Market Works](https://www.pacificawealth.com/how-the-stock-market-works/) - Learn how the stock market works, and why the stock market is a lot like Tinder. Continue your Get Money Smart financial education. Robert Pagliarini
- [What Do They Mean When They Say "The Market Was Up Today"?](https://www.pacificawealth.com/what-do-they-mean-when-they-say-the-market-was-up-today/) - Does it really matter what happens in the stock market in a single day? Usually, not. But, it is important to know what they mean by the stock market was up.
- [What Do They Mean When They Talk About Bulls And Bears?](https://www.pacificawealth.com/what-do-they-mean-when-they-talk-about-bulls-and-bears/) - Bulls and bears? You'll hear this a lot, so you should know what it means. Continue your Get Money Smart financial education. Robert Pagliarini, Pacifica Wealth
- [Why Is It Called Wall Street?](https://www.pacificawealth.com/why-is-it-called-wall-street/) - You may hear news commentators say, “The action on Wall Street today was strong, blah, blah, blah.” What does that mean? Robert Pagliarini - Get Money Smart
- [What's A Stock Index?](https://www.pacificawealth.com/whats-a-stock-index/) - Here’s an easy way for you to quickly gauge how different segments of the stock market are performing: Stock Index. Robert Pagliarini - Get Money Smart
- [Active Versus Passive Investing](https://www.pacificawealth.com/active-versus-passive-investing/) - Should you try to beat the market? What style of investing performs best? Learn more about active versus passive investing. Robert Pagliarini | Get Money Smart
- [Which Style Does Better? Active or Passive Investing?](https://www.pacificawealth.com/which-style-does-better-active-or-passive-investing/) - Would you be better off using an active or passive investing strategy? Maximize your portfolio returns with financial advice from Pacifica Wealth Advisors.
- [Sales, Expenses, Profits, Oh My!](https://www.pacificawealth.com/sales-expenses-profits-oh-my/) - Master common misunderstood financial terms with today's Get Money Smart lesson. Grow your financial education & prepare yourself for wealth. Robert Pagliarini.
- [What Are Asset Classes? The Building Blocks of Investing](https://www.pacificawealth.com/what-are-asset-classes-the-building-blocks-of-investing/) - Learn about asset classes, the building blocks of investing, in today's Get Money Smart lesson. Gain financial confidence to grow your wealth. Robert Pagliarini
- [Why The Stock Market Goes Up And Down](https://www.pacificawealth.com/why-the-stock-market-goes-up-and-down/) - What causes the up & down rollercoaster ride of the stock market? Get Money Smart & learn how to grow your wealth with financial lessons from Robert Pagliarini.
- [What's A Stock? Capitalism 101](https://www.pacificawealth.com/whats-a-stock-capitalism-101/) - When you invest in stock, you’re investing in the future success & growth of a company. Stock equity ownership. Robert Pagliarini - Get Money Smart
- [Two Ways to Make Money as an Investor](https://www.pacificawealth.com/two-ways-to-make-money-as-an-investor/) - If your investment doesn’t provide income or appreciation, it’s probably not much of an investment. Robert Pagliarini, Get Money Smart
- [Is Investing Like Gambling in Vegas?](https://www.pacificawealth.com/is-investing-like-gambling-in-vegas/) - Is investing like gambling? In the long-term investing has almost nothing to do with luck & everything to do with patience. Robert Pagliarini, Get Money Smart
- [What's Inflation? (The Silent Wealth Killer)](https://www.pacificawealth.com/whats-inflation-the-silent-wealth-killer/) - Inflation will slowly erode your savings. Why is inflation the silent wealth killer, and can you use it to your advantage? Robert Pagliarini, Get Money Smart
- [Keeping Track of All Your Financial Stuff](https://www.pacificawealth.com/keeping-track-of-all-your-financial-stuff/) - Are you overwhelmed by financial documents and seeking a simple way to organize and keep track of important paperwork? Robert Pagliarini, Get Money Smart
- [Being Your Own Boss vs. Working For The Man](https://www.pacificawealth.com/being-your-own-boss-vs-working-for-the-man/) - Looking to set your own hours & freelance as an independent contractor? What are the benefits of being your own boss? Robert Pagliarini, Get Money Smart
- [How Not To Save For An Emergency Fund](https://www.pacificawealth.com/how-not-to-save-for-an-emergency-fund/) - When it comes to an emergency fund, here’s what the experts get wrong – and how you can invest to perform even better. Robert Pagliarini | Get Money Smart
- [What is Financial Independence?](https://www.pacificawealth.com/what-is-financial-independence/) - Financial independence is about passive income, rather than being rich. To be rich, you only need to have a lot of money. Robert Pagliarini | Get Money Smart
- [What You Need to Know About Medicare Enrollment](https://www.pacificawealth.com/need-know-medicare-enrollment/) - Medicare enrollment is automatic for some. For those receiving Social Security benefits, the coverage starts on the first day of the month you turn 65.
- [What Does Your Retirement Look Like?](https://www.pacificawealth.com/retirement-look-like/) - Financially, how might retirement differ from your expectations?
- [Asset Allocation for Retirees](https://www.pacificawealth.com/asset-allocation-retirees/) - If you move away from equities with age, are you making a mistake? For some time, financial professionals have encouraged investors to lessen their exposure
- [Could a Long Term Care Hybrid Prove Useful to You?](https://www.pacificawealth.com/ltc-hybrid-prove-useful/) - What is a Long Term Care Hybrid insurance policy and is one right for you?
- [The IRS Announces New IRA Rollover Limitations](https://www.pacificawealth.com/irs-announces-new-ira-rollover-limitation/) - Taxpayers have treated themselves to interest-free loans from their IRA funds by using multiple accounts to sequence multiple 60-day IRA rollover periods
- [Health Care Expenses That Medicare Won't Cover in Retirement](https://www.pacificawealth.com/health-care-expenses-medicare-wont-cover-retirement/)
- [Rising Interest Rates: How Will They Affect Investments, Housing & Retirees?](https://www.pacificawealth.com/rising-interest-rates-will-affect-investments-housing-retirees/) - How will Wall St fare if interest rates climb back to historic norms? Rising interest rates could certainly impact investments & the overall economy
- [Protect Your Assets with LTC Insurance](https://www.pacificawealth.com/protect-assets-ltc-insurance/) - Many baby boomers are opting to make ltc insurance an important part of their retirement strategies.
- [Retirement Planning 2.0](https://www.pacificawealth.com/retirement-planning-2-0/) - Questioning traditional assumptions about retirement planning can be illuminating. Some retirement planners & economists argue they need to be reexamined
- [Retirement Planning for Couples](https://www.pacificawealth.com/retirement-planning-couples/) - What does a good retirement look like to you? Does it resemble the retirement that your partner has in mind? Learn about retirement planning for couples.
- [Rule Changes for Retirement Plan Fiduciaries](https://www.pacificawealth.com/rule-changes-retirement-plan-fiduciaries/) - On July 1, 2012, the Department of Labor implemented some rules changes for retirement plan fiduciaries.
- [Getting Your Head Around Retirement](https://www.pacificawealth.com/getting-head-around-retirement/) - Getting Your Head Around Retirement - Here's what you need to know!
- [How the Thrift Savings Plan Measures Up to Traditional Retirement Savings Vehicles](https://www.pacificawealth.com/thrift-savings-plan-measures-traditional-retirement-savings-vehicles/) - Just how well does the Thrift Savings Plan measure up to other forms of popular retirement accounts?
- [Adjusting to Retirement - Make the Transition to Life After Work](https://www.pacificawealth.com/adjusting-retirement-make-transition-life-work/)
- [Top Retirement Myths](https://www.pacificawealth.com/top-retirement-myths/) - Generalizations about money & retirement linger. Let’s examine a few of the top retirement myths.
- [The First RMD from Your IRA - What You Need To Know](https://www.pacificawealth.com/first-rmd-ira-need-know/) - When you reach age 70½, the IRS instructs you to start making withdrawals from your Traditional IRA(s). These IRA withdrawals are also called RMDs.
- [Retirement Problems](https://www.pacificawealth.com/retirement-problems/) - Learn about retirement problems.
- [Will the IRA Charitable Rollover Provision Finally Be Made Permanent?](https://www.pacificawealth.com/will-ira-charitable-rollover-provision-finally-made-permanent/) - Congress failed to extend the IRA charitable rollover provision into 2014...
- [New IRS Ruling on IRA Rollovers of After-Tax Amounts](https://www.pacificawealth.com/new-irs-ruling-ira-rollovers-tax-amounts/) - Do you have after-tax amounts in your 401(k), 403(b) or 457 plan? If so, you may want to look into IRA rollovers.
- [How Much Can I Contribute to My 401(k) in 2015? (2015 Retirement Contribution Limits)](https://www.pacificawealth.com/much-can-contribute-401k-2015-2015-retirement-contribution-limits/) - The IRS just announced 2015 retirement contribution limits. See how much you can save in your 401(k), IRA, or Roth IRA for 2015.
- [Retirement Planning Tips at 50](https://www.pacificawealth.com/retirement-planning-tips-50/) - If you are near 50, here are several retirement planning tips you don't want to miss.
- [The IRS Raises Retirement Plan Contribution Limits for 2015](https://www.pacificawealth.com/irs-raises-retirement-plan-contribution-limits/) - Here are the most up to date retirement plan contribution limits for 2015.
- [Focus on the Positive? Here’s Our Take](https://www.pacificawealth.com/focus-positive-heres-take/)
- [Social Security Planning: Should You Apply Early or Wait?](https://www.pacificawealth.com/social-security-planning-apply-early-wait/) - When it comes to social security planning, the first step is identifying if you should apply early or wait.
- [What You Need to Know About Social Security (2015)](https://www.pacificawealth.com/need-know-social-security-2015/) - Here's what you need to know about Social Security in 2015
- [What You Need To Know About a Solo 401(k)](https://www.pacificawealth.com/need-know-solo-401k/) - A solo 401(k) lets a self-employed individual set up a 401(k) plan combined with a profit-sharing plan.
- [Retirement Planning](https://www.pacificawealth.com/retirement-planning/)
- [Money Tips for Young Families](https://www.pacificawealth.com/money-tips-young-families/)
- [IRA Deadlines Are Approaching](https://www.pacificawealth.com/ira-deadlines-approaching/)
- [Approach Retirement with a Smile](https://www.pacificawealth.com/take-control-spending-retirement/)
- [Retirement Optimism?](https://www.pacificawealth.com/retirement-optimism/)
- [Why You Should Consider a Roth IRA](https://www.pacificawealth.com/consider-roth-ira/)
- [How To Save Taxes In Retirement](https://www.pacificawealth.com/save-taxes-retirement/)
- [How Women Can Save More for Retirement](https://www.pacificawealth.com/women-can-save-retirement/)
- [The Basics of Medicare](https://www.pacificawealth.com/basics-medicare/) - Whether your 65th birthday is on the horizon or decades away, you should understand the parts of Medicare – what they cover, and where they come from.
- [Why You Need to Check Up on Your Retirement Strategy](https://www.pacificawealth.com/need-check-retirement-strategy/) - “You must stick to your conviction, but be ready to abandon your assumptions.” That statement certainly applies to your retirement strategy.
- [What You Need To Know About Target-Date Funds](https://www.pacificawealth.com/need-know-target-date-funds/) - Do target-date funds represent smart choices, or just convenient ones? Their popularity has soared in the past decade.
- [What To Do If You Are Retiring In The Next 5 Years](https://www.pacificawealth.com/retiring-in-the-next-5-years/) - What steps can you take in you are planning on retiring in the next 5 years?
- [Retirement Planning First Steps](https://www.pacificawealth.com/retirement-planning-first-steps/) - Retirement Planning First Steps: Before retirement begins, put as much documentation as you can in one place, for you and those you love.
- [IRA Rollovers for Lump Sum Pension Payouts](https://www.pacificawealth.com/ira-rollovers-lump-sum-pension-payouts/)
- [Long-Term Investment Truths: Key Lessons for Retirement Savers](https://www.pacificawealth.com/long-term-investment-truths-key-lessons-retirement-savers/) - Key Lessons for Retirement Savers: You learn lessons as you invest in pursuit of long-run goals. Some of these lessons are conveyed when you begin saving
- [Why You Should Never Take a Loan from Your Retirement Plan](https://www.pacificawealth.com/never-take-loan-retirement-plan/) - Thinking about borrowing money from your retirement plan? Think twice about that.
- [Saving For Retirement](https://www.pacificawealth.com/saving-retirement/) - If life has not allowed you to build substantial retirement savings, what can you do to improve your retirement prospects? Here are some suggestions.
- [Retirement Planning For Singles](https://www.pacificawealth.com/retirement-planning-for-singles/) - How does retirement planning differ for singles? At a glance, there would seem to be no difference in retirement savings for an individual versus a couple
- [Dealing With Sudden Retirement: How Ready Are You?](https://www.pacificawealth.com/dealing-with-sudden-retirement-how-ready-are-you/)
- [Retirement Plan Contribution Limits for 2016](https://www.pacificawealth.com/retirement-plan-contribution-limits-for-2016/)
- [Social Security Strategies: Getting the Most Bang for Your Buck](https://www.pacificawealth.com/social-security-strategies-getting-the-most-bang-for-your-buck/)
- [Pros & Cons of Roth IRA Conversions](https://www.pacificawealth.com/pros-cons-of-roth-ira-conversions/)
- [Retirement Planning for Women](https://www.pacificawealth.com/retirement-planning-for-women/)
- [Chapters of Retirement: The 5 Phases of Life After 50](https://www.pacificawealth.com/chapters-of-retirement-the-5-phases-of-life-after-50/)
- [Can You Buy Real Estate In Your IRA?](https://www.pacificawealth.com/can-you-buy-real-estate-in-your-ira/)
- [Retirement Plan](https://www.pacificawealth.com/retirement-plan/)
- [Tips to Not Outlive Your Money](https://www.pacificawealth.com/tips-to-not-outlive-your-money/)
- [How Much Retirement Income Do You Need](https://www.pacificawealth.com/how-much-retirement-income-do-you-need/)
- [Should You Max Out Your 401(k) Retirement Plan?](https://www.pacificawealth.com/max-401k-retirement-plan/)
- [Saving for College & Retirement](https://www.pacificawealth.com/saving-college-retirement/)
- [The Benefits of a Roth Conversion in a Down Market](https://www.pacificawealth.com/benefits-roth-conversion-market/)
- [Does It Make Sense To Downsize In Retirement?](https://www.pacificawealth.com/make-sense-downsize-retirement/)
- [Retirement Planning For Millennials](https://www.pacificawealth.com/retirement-planning-millennials/)
- [Red Flags in Retirement Planning](https://www.pacificawealth.com/red-flags-retirement-planning/)
- [How Can You Make Sure Your Retirement Money Lasts?](https://www.pacificawealth.com/can-make-sure-retirement-money-lasts/)
- [Retirement Planning Challenges for Women](https://www.pacificawealth.com/retirement-planning-challenges-women/)
- [Retirement Planning If You Are Under 40](https://www.pacificawealth.com/retirement-planning-40/)
- [Asset Protection: Using Long-Term Care Insurance](https://www.pacificawealth.com/asset-protection-using-long-term-care-insurance/)
- [Planning Your Retirement Lifestyle For Your Golden Years](https://www.pacificawealth.com/planning-retirement-lifestyle-golden-years/)
- [Financial Planning Tips For Women](https://www.pacificawealth.com/financial-planning-tips-women-2/)
- [Retirement Planning: Getting Out Of Our Own Way](https://www.pacificawealth.com/retirement-planning-getting-way/)
- [Is Your Social Security Income Taxable?](https://www.pacificawealth.com/social-security-income-taxable/)
- [How Can You Benefit From a Roth IRA?](https://www.pacificawealth.com/can-benefit-roth-ira/)
- [Taking Advantage of Tax-Free Withdrawals in Retirement](https://www.pacificawealth.com/taking-advantage-tax-free-withdrawals-retirement/)
- [Credit Card Debt In Retirement](https://www.pacificawealth.com/credit-card-debt-retirement/)
- [Should You Pay Off Your Mortgage Before You Retire?](https://www.pacificawealth.com/pay-off-mortgage-retire/)
- [Planning Your Retirement Expenses](https://www.pacificawealth.com/planning-retirement-expenses/)
- [Social Security: What You Need To Know](https://www.pacificawealth.com/social-security-need-know/)
- [Retirement Planning & Insurance](https://www.pacificawealth.com/retirement-planning-insurance/)
- [The Benefits of a SIMPLE IRA for You & Your Business](https://www.pacificawealth.com/benefits-simple-ira-business/)
- [How to Make Your Retirement Assets Last 40 Years](https://www.pacificawealth.com/make-retirement-assets-last-40-years/)
- [Retirement Planning: Why It Is Important To Have A Spending Plan In Retirement](https://www.pacificawealth.com/retirement-planning-important-spending-plan-retirement/)
- [Try This Before You Retire](https://www.pacificawealth.com/try-this-before-you-retire/)
- [What You Can Control & Can't In Retirement](https://www.pacificawealth.com/can-control-cant-retirement/)
- [Retirement Plan Contribution Limits for 2017](https://www.pacificawealth.com/retirement-plan-contribution-limits-2017/) - The IRS announces changes to annual contribution limits for IRAs and workplace retirement plans. We are retirement financial planners and help people understand tax changes. See what limits changed for 2017.
- [Financial Planning Tips To Consider Before 2017](https://www.pacificawealth.com/financial-planning-tips-consider-2017/)
- [Guide To Retirement Planning For Single Parents](https://www.pacificawealth.com/guide-retirement-planning-single-parents/)
- [Why You Should Consider A Defined Benefit (DB) Plan to Save Taxes](https://www.pacificawealth.com/consider-defined-benefit-db-plan-save-taxes/)
- [How To Save $1 Million For Retirement](https://www.pacificawealth.com/save-1-million-retirement/)
- [How Much Will You Spend In Retirement?](https://www.pacificawealth.com/much-will-spend-retirement/)
- [Maximum Retirement Account Contribution Limits for 2017](https://www.pacificawealth.com/maximum-retirement-account-contribution-limits-2017/)
- [What's a Cash Balance Plan?](https://www.pacificawealth.com/whats-cash-balance-plan/)
- [Why I Love a Roth Solo 401(k)](https://www.pacificawealth.com/love-roth-solo-401k/)
- [Financial Moves You Can Make in 2017](https://www.pacificawealth.com/financial-moves-can-make-2017/)
- [Can You Withdraw Money From Your 401(k)?](https://www.pacificawealth.com/can-withdraw-money-401k/)
- [Retirement Saving Tips](https://www.pacificawealth.com/retirement-saving-tips/)
- [The Many Benefits of a Roth IRA](https://www.pacificawealth.com/many-benefits-roth-ira/)
- [All About The 60-Day IRA Rollover Rule](https://www.pacificawealth.com/60-day-ira-rollover-rule/)
- [Finding A Balance Between Education and Retirement Funding](https://www.pacificawealth.com/finding-a-balance-between-education-and-retirement-funding/)
- [The New Retirement Savings Mentality](https://www.pacificawealth.com/the-new-retirement-savings-mentality/) - American workers have both a vital—and pressing—need to prepare better for retirement. Nearly 8-in-10 American workers have less than $250,000 set aside for retirement.
- [Robert Pagliarini Earns PhD in Financial & Retirement Planning](https://www.pacificawealth.com/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
- [The Problem with the 4% Rule](https://www.pacificawealth.com/the-problem-with-the-4-percent-rule/) - What happens if the market is volatile when you retire? Today's Pacifica Wealth podcast uncovers a problem with the 4% rule. Hosted by Dr. Robert Pagliarini.
- [Why is the Stock Market Going Up and Will It Drop Again?](https://www.pacificawealth.com/why-is-the-stock-market-going-up-and-will-it-drop-again/)
- [Not All Bonds Are Created Equally](https://www.pacificawealth.com/not-all-bonds-are-created-equally/)
- [Robert Pagliarini Featured on Redfin Guide to House Hunting for Aging Adults](https://www.pacificawealth.com/robert-pagliarini-featured-on-redfin-house-hunting-guide/) - Robert was featured in Redfin's Ultimate Guide to House Hunting for Aging Adults. If you're nearing retirement, learn best tips for home buying and selling.
- [Inheritance: An Inherited Ira](https://www.pacificawealth.com/inheritance-an-inherited-ira/) - Be sure you know your options. When the owner of an IRA passes away, his or her heirs must be aware of the rules and regulations affecting the inherited IRA
- [Inheritance: What Beneficiaries Need To Know](https://www.pacificawealth.com/inheritance-what-beneficiaries-need-to-know/) - What we do need to know financially if and when "that day" comes? When it comes to inheritance, find out what beneficiaries need to know.
- [Major Risks To Family Wealth](https://www.pacificawealth.com/major-risks-to-family-wealth/) - Too often one generation builds a business or a fortune and it is lost in ensuing decades. What are the major risks to family wealth?
- [Inheritance Planning: What All Beneficiaries Need to Know](https://www.pacificawealth.com/inheritance-planning-what-all-beneficiaries-need-to-know/) - Inheritance Planning - While we all hope “that day” never comes, we do need to know what to do financially if and when it does.
- [Choosing The Right Beneficiary](https://www.pacificawealth.com/choosing-the-right-beneficiary/) - Choosing the right beneficiary - While your beneficiary choices may seem obvious when you initially make them, time has a way of altering things.
- ["Minor" Details You Need to Know Before Making a Child Your Beneficiary](https://www.pacificawealth.com/minor-details-you-need-to-know-before-making-a-child-your-beneficiary/) - Should you make a minor child the primary beneficiary of your IRA? Here are some "minor" details you should know before making a child your beneficiary.
- [Money From Inheritance: What To Do With Inheritance?](https://www.pacificawealth.com/money-from-inheritance-what-to-do-with-inheritance/) - If you are expecting an inheritance or will come into large amounts of money soon, you may be wondering what to do with inheritance or sudden wealth.
- [Think Twice Before Creating a UTMA Account](https://www.pacificawealth.com/think-twice-before-creating-a-utma-account/) - What are the drawbacks and benefits of UTMA (Uniform Transfers to Minors Act) accounts? UTMA accounts are hardly the only option.
- [Inheritance Financial Advisor: Inheritance Planning](https://www.pacificawealth.com/inheritance-financial-advisor-inheritance-planning/) - When coming into an inheritance, here are seven things you should keep in mind. An inheritance Financial Advisor can help you identify these and more.
- [Why Does Family Wealth Fade?](https://www.pacificawealth.com/family-wealth-fade/) - Why does an average of 70% of family wealth erode in the hands of the next generation & an average of 90% of it in the hands of the generation thereafter?
- [Inheriting Money: Why Anderson Cooper Says No Thanks](https://www.pacificawealth.com/inheriting-money-anderson-cooper-says-thanks/) - Not everyone believes in inheriting money. See what Anderson Cooper has to say about inheriting his mom's $200 million net-worth.
- [Important Information for Beneficiaries](https://www.pacificawealth.com/important-information-beneficiaries/) - If your loved ones have invested, saved or insured themselves to any degree, you may be named as one of their beneficiaries.
- [Inheritance Planning: How to Minimize Family Fighting](https://www.pacificawealth.com/inheritance-planning-minimize-family-fighting/)
- [Are Your Kids Financially Literate?](https://www.pacificawealth.com/kids-financially-literate/)
- [Turning Sudden Wealth Into Lasting Wealth](https://www.pacificawealth.com/turning-sudden-wealth-lasting-wealth/) - When it comes to family fortune, it's important to understand turning sudden wealth into lasting wealth.
- [Best Practices When Passing Family Wealth to Children](https://www.pacificawealth.com/best-practices-family-wealth/) - Some millionaires are reluctant to talk to their kids about family wealth. Perhaps they are afraid what their heirs may do with it.
- [What You Need To Know About Inherited IRAs](https://www.pacificawealth.com/what-you-need-to-know-about-inherited-iras/)
- [Is a Charitable Lead Trust Right for You?](https://www.pacificawealth.com/is-a-charitable-lead-trust-right-for-you/)
- [Listen to Robert's Radio Interview on Inheriting Money](https://www.pacificawealth.com/listen-to-roberts-radio-interview-on-inheriting-money/)
- [What You Need To Know About Inherited Real Estate](https://www.pacificawealth.com/everything-need-know-inherited-real-estate/)
- [Getting Your Financial "Final File" in Good Order](https://www.pacificawealth.com/getting-financial-final-file-good-order/)
- [5 Mistakes To Avoid When Handling An Inheritance](https://www.pacificawealth.com/5-mistakes-avoid-handling-inheritance/)
- [Become Wealth Ready(TM)](https://www.pacificawealth.com/become-wealth-ready/) - The quickest and easiest way to get control and to gain confidence is to participate in our online Wealth Ready course.
- [Sudden Wealth Radio: How to Get a Bigger Inheritance](https://www.pacificawealth.com/sudden-wealth-radio-get-bigger-inheritance/) - Podcast where Robert discusses how to prove to your parents and grandparents that you are financially competent and responsible enough for an inheritance.
- [Sudden Wealth Radio: 5 Tips When Leaving Kids an Inheritance](https://www.pacificawealth.com/sudden-wealth-radio-5-tips-leaving-kids-inheritance/) - Are you worried your kids are not financially responsible enough to receive an inheritance? Listen as Robert explains several inheritance planning tips.
- [Sudden Wealth Radio: Sports Entertainment Group 2014 Retreat Keynote Speech](https://www.pacificawealth.com/sudden-wealth-radio-sports-entertainment-group-2014-retreat-keynote-speech/) - Robert Pagliarini, financial advisor and sudden wealth expert, presented at the Sports Entertainment Group Retreat in Las Vegas. Robert helps major athletes and celebrities manage thier finances and reduce their taxes. Listen to his speech to learn more.
- [Sudden Wealth Radio - Interview with Joe Cordell](https://www.pacificawealth.com/sudden-wealth-radio-interview-joe-cordell/) - My latest sudden wealth radio interview with Joe Cordell
- [Sudden Wealth Radio: Interview with Todd Angkatavanich](https://www.pacificawealth.com/17086-2/)
- [Pacifica Named As One of America's Top Wealth Management Firms by Wealth Manager Magazine.](https://www.pacificawealth.com/pacifica-named-as-one-of-americas-top-wealth-management-firms-by-wealth-manager-magazine/) - Pacifica Wealth Advisors was named "Top Dog" by Wealth Manager Magazine. Wealth Manager Magazine ranks the top wealth management firms.
- [Sudden Wealth Winner Sandeep Singh Wins $30.5 Million Lottery [Video]](https://www.pacificawealth.com/sudden-wealth-winner-sandeep-singh-wins-30-5-million-lottery-video/) - Watch a video of sudden wealth winner Sandeep Singh win $30.5 million lottery.
- [Sudden Wealth Trademark Awarded to Pacifica Wealth Advisors](https://www.pacificawealth.com/sudden-wealth-trademark-awarded-to-pacifica-wealth-advisors/) - We are very pleased to announce that Pacifica Wealth Advisors secured the "Sudden Wealth" trademark by the U.S. Patent & Trademark Office.
- [Robert Pagliarini: Expert in Wall Street Journal on Sudden Wealth](https://www.pacificawealth.com/robert-pagliarini-expert-in-wall-street-journal-on-sudden-wealth/) - Robert Pagliarini, an expert in managing sudden wealth, was interviewed by the Wall Street Journal for a column titled, "Too Rich, Too Soon."
- [Lottery Winners: How to Manage Sudden Wealth](https://www.pacificawealth.com/lottery-winners-how-to-manage-sudden-wealth/) - My colleague over at CBS News MoneyWatch, Jill Schlesinger, wrote a wonderful piece on how to handle sudden wealth if you are lucky enough to win the Powerball lottery tomorrow worth $500 million. Here's an excerpt of her four tips...
- [Huffington Post Publishes Robert's Sudden Wealth Column](https://www.pacificawealth.com/huffington-post-publishes-roberts-sudden-wealth-column/) - In the wake of the recent huge PowerBall lottery, The Huffington Post has published one of Robert's Pagliarini's sudden wealth columns.
- [Office Pool Wins Lottery...But You Didn't Play!](https://www.pacificawealth.com/office-pool-wins-lottery-but-you-didnt-play/) - Imagine this... your co-worker comes by your office and tells you everyone is putting in $20 to play the lottery. You think about it then say no thanks...
- [Sudden Wealth Tip From Minecraft Creator](https://www.pacificawealth.com/sudden-wealth-tip-from-minecraft-creator/) - An interesting article in this week's New Yorker magazine about Minecraft creator Markus "Notch" Persson, which contains an interesting sudden wealth tip.
- [Lottery Financial Advisor: What to do if you Win the Powerball Lottery](https://www.pacificawealth.com/lottery-financial-advisor-an-open-letter-to-the-powerball-lottery-winner/) - Before you claim the Powerball lottery prize, there are six critical things you must first consider.
- [What If You Won the Lottery? How to Handle a Big Financial Windfall](https://www.pacificawealth.com/what-if-you-won-the-lotto-how-to-handle-a-big-financial-windfall/) - Robert Pagliarini, who has developed a national reputation for working with sudden wealth recipients was interviewed by LearnVest. You can read an excerpt below...
- [Powerball, Powerball, Powerball! CA Gets the Lottery](https://www.pacificawealth.com/powerball-powerball-powerball-ca-gets-the-lottery/) - California gets the Powerball Lottery, but what happens if you don't win the big prize?
- [Professional Athletes & Sudden Wealth: The NFL Financial Education Program](https://www.pacificawealth.com/professional-athletes-sudden-wealth-the-nfl-financial-education-program/) - The NFL approach to help professional athletes keep more of the money they work so hard to earn...
- [Katie Couric Post: 7 Tips if You Win Big](https://www.pacificawealth.com/katie-couric-post-7-tips-if-you-win-big/) - What should you do if you win the lottery? What are the financial and psychological effects? I discuss seven tips if you win big on the Katie Couric show.
- [Watch Robert Provide Sudden Wealth Lottery Tips on the Katie Couric Show](https://www.pacificawealth.com/sudden-wealth-lottery-tips/) - Watch Robert Pagliarini discuss the financial and psychological sudden wealth effects of winning the lottery. on the Katie Couric show.
- [Financial Planner Lottery Advice: Yahoo Features Robert and Katie Couric](https://www.pacificawealth.com/financial-planner-lottery-adviceyahoo-features-robert/) - Windfall Lottery Financial Advisor: "Financial expert and President of Pacifica Wealth Advisors, Robert Pagliarini, works to help people that have come into sudden wealth, and he says that there are important tips to deal with the psychological and emotional factors that come along with your new fortune."
- [Powerball Lottery Winners: MSN Article](https://www.pacificawealth.com/powerball-lottery-winners-msn-article/) - A new MSN article titled "Powerball winners now face their toughest odds" discusses the challenges facing the three recent Powerball Lottery winners.
- [How To Reduce Income Tax After a Windfall](https://www.pacificawealth.com/how-to-reduce-income-tax-after-a-windfall/) - Paying income tax after a windfall is a quality problem, but a problem nonetheless. Here's how you can reduce income tax after a windfall.
- [Sudden Wealth Syndrome](https://www.pacificawealth.com/sudden-wealth-syndrome/) - Robert Pagliarini was featured in a Wealth Management article regarding Sudden Wealth Syndrome.
- [Sudden Wealth: The 6 Things You Must Know About Money That Comes Sudden](https://www.pacificawealth.com/sudden-money-the-6-things-you-must-know-about-sudden-money/) - Learn what sudden wealth is and the six steps you must follow so that your money suddenly doesn't vanish.
- [Looking for Sudden Wealth Recipients for TV Show](https://www.pacificawealth.com/looking-for-sudden-wealth-recipients-for-tv-show/) - As the nation's leading expert on sudden wealth, I'm working with Core Media Group and the Bravo channel on a sudden wealth documentary and need sudden wealth recipients.
- [States that Allow Anonymous Lottery Winners](https://www.pacificawealth.com/states-that-allow-anonymous-lottery-winners/) - How can you become an anonymous lottery Powerball winner? Learn how to remain anonymous after winning the Powerball lottery.
- [Robert Pagliarini Provides Lottery Winner Advice on BBC Radio](https://www.pacificawealth.com/robert-pagliarini-provides-lottery-winner-advice-bbc-radio/) - Robert Pagliarini provides lottery winner advice on BBC News Radio regarding winning the lottery and the difference between gradual wealth and sudden wealth
- [6 Common Sudden Wealth Mistakes](https://www.pacificawealth.com/6-common-sudden-wealth-mistakes/) - Here are 6 common sudden wealth mistakes and how to avoid them that I wrote about in my recent article on Forbes.
- [Office Lottery Pool: 5 Rules](https://www.pacificawealth.com/office-lottery-pool-5-rules/) - Thinking about participating in an office lottery pool? To avoid litigation, follow these 5 office lottery pool rules...
- [Is the Lottery a Good Investment?](https://www.pacificawealth.com/lottery-good-investment/) - Is playing the lottery a good investment? Here's why I think the answer is a resounding Yes!
- [Robert on Pro Sports Live Bloomberg Radio](https://www.pacificawealth.com/robert-pro-sports-live-bloomberg-radio/) - Robert was interviewed on the Bloomberg Radio show "Pro Sports Live" and discussed sudden wealth and athletes.
- [Best Financial Advisor for Lottery Winners](https://www.pacificawealth.com/best-financial-advisor-lottery-winners/) - Who is the best financial advisor for lottery winners? Find out...
- [Robert Pagliarini Quoted in New York Times Column on the Lottery](https://www.pacificawealth.com/robert-pagliarini-quoted-new-york-times-column-lottery/) - Robert Pagliarini is quoted in a New York Times column on how to win the lottery (happily)...
- [Sudden Wealth Financial Planning](https://www.pacificawealth.com/sudden-wealth-financial-planning/) - Sudden Wealth Financial Planning: A first-world problem, and nothing more? Not quite.
- [Pacifica Wealth Advisors is a Proud Supporter of Suits for a Cause](https://www.pacificawealth.com/pacifica-wealth-advisors-proud-supporter-suits-cause/) - Pacifica Wealth Advisors is a proud supporter of Suits for a Cause, an annual event that brought together 50+ financial firms, groups & companies in 2014
- [Robert Keynotes 2014 Sports Entertainment Group Retreat](https://www.pacificawealth.com/robert-keynotes-2014-sports-entertainment-group-retreat/) - Robert Pagliarini speaks to 50+ NFL players at the 2014 Sports Entertainment Group Retreat in Las Vegas.
- [Why I Arm-Wrestled NFL Player Dee Ford](https://www.pacificawealth.com/arm-wrestled-nfl-player-dee-ford/) - What would possess me to arm wrestle first-round draft pick Dee Ford? There are no lengths I won't go to in order to teach people about money...
- [Robert Pagliarini Selected As a "Wealth Advisor with a Heart" By Trust & Estates Journal](https://www.pacificawealth.com/robert-pagliarini-wealth-advisor-heart/) - Robert Pagliarini was selected by Trust & Estates Journal as a 2014 "Wealth Advisor With a Heart" for his involvement in The Band of Brothers Foundation.
- [Robert Interviewed For CNBC: Don't Let Sudden Wealth Leave You Broke](https://www.pacificawealth.com/dont-let-sudden-wealth-leave-broke/) - Robert Pagliarini was interviewed for a CNBC.com column titled "Don't Let Sudden Wealth Leave You Broke."
- [How Athletes Go Bankrupt](https://www.pacificawealth.com/how-athletes-go-bankrupt/) - Learn how athletes go bankrupt by reading my latest Forbes column here.
- [Robert Pagliarini Chosen As CFP® Ambassador](https://www.pacificawealth.com/robert-pagliarini-chosen-cfp-ambassador/) - Certified Financial Planner Board of Standards Expands Ambassador Program with Appointment of Robert Pagliarini as CFP® Ambassador for Orange County
- [The Billionaire's Conundrum: Achieving Happiness](https://www.pacificawealth.com/the-billionaires-conundrum-achieving-happiness/) - Perhaps money can't buy happiness after all. Minecraft creator & billionaire Markus "Notch" Persson revealed over the weekend his struggle with depression.
- [Sudden Wealth Mental Accounting](https://www.pacificawealth.com/sudden-wealth-mental-accounting/) - Regardless of the source of the money, logically, we know the value is the same, but somehow, a dollar we earn is "worth" more than the dollar we find.
- [What Should You Do If You Get a Sudden Wealth Windfall?](https://www.pacificawealth.com/get-sudden-cash-windfall/)
- [Robert Featured in The New York Times](https://www.pacificawealth.com/robert-featured-new-york-times/)
- [21 Innovative Ideas for Office Pools](https://www.pacificawealth.com/21-innovative-ideas-office-pools/)
- [Won The Lottery? Take the Lump Sum or Annuity Quiz](https://www.pacificawealth.com/won-lottery-take-lump-sum-annuity-quiz/)
- [Pacifica Sponsors the OC Walk to Remember](https://www.pacificawealth.com/pacifica-sponsors-the-oc-walk-to-remember/) - We were proud to be a sponsor of the OC Walk to Remember, a non-profit organization that helps families who have lost a baby in infancy or during pregnancy
- [Could the Bull Market Still Run Without the Federal Reserve?](https://www.pacificawealth.com/could-the-bull-market-still-run-without-the-federal-reserve/) - Could this bull market last with less help from the Federal Reserve? Is it propped up by the Fed’s stimulus, or strong enough to sustain itself?
- [Putting Your Home Into a Trust: Uncommon, or Uncommonly Wise?](https://www.pacificawealth.com/putting-your-home-into-a-trust-uncommon-or-uncommonly-wise/) - Occasionally, a couple or a family will elect to put their home into a revocable living trust, a CRT or a QPRT. What are the advantages and disadvantages?
- [Economic Update 09/30/13](https://www.pacificawealth.com/economic-update-093013/) - Economic Update 09/30/13 - HOUSEHOLDS BOOST THEIR SPENDING -August saw a 0.3% gain in personal spending, and the Commerce Department also noted a 0.4% rise
- [Economic Update 05/05/14](https://www.pacificawealth.com/economic-update-050514/)
- [Should You Write Your Own Will?](https://www.pacificawealth.com/write-will/) - Maybe you have seen those will-in-a-box kits. Maybe you have even considered picking one up. Think twice about that.
- [Robert's CBS Column: 5 Sure Signs of Corporate Burnout](https://www.pacificawealth.com/5-sure-signs-of-corporate-burnout/) - Are you working too long and too hard? Could you achieve more by doing less? Read Robert's latest CBS Column: 5 Sure Signs of Corporate Burnout.
- [Break Your Bad Money Habits in 2013](https://www.pacificawealth.com/break-your-bad-money-habits-in-2013/) - Do bad money habits restrict your financial progress? Many people fall into the same financial behavior patterns every year. It's time to break the habit.
- [Protecting Your Elderly Parents from Financial Fraud](https://www.pacificawealth.com/protecting-elderly-parents-financial-fraud/) - How can you protect your elderly parents from financial fraud?
- [Discover More Opportunities to Save for Retirement](https://www.pacificawealth.com/discover-more-opportunities-to-save-for-retirement/) - Besides periodic IRA contributions and elective salary deferrals into 401(k) and 403(b) plans, there are other opportunities to save for retirement.
- [The Thin Blue Line](https://www.pacificawealth.com/the-thin-blue-line/) - The blue line is the amount of money your money makes. How much you can withdraw from your investments each year without running out of money? Robert Pagliarini
- [The Only 3 Things You Can Do With Excess Cash](https://www.pacificawealth.com/the-only-3-things-you-can-do-with-excess-cash/) - Having excess cash is powerful & will improve your net worth. What should you do with extra money? Get Money Smart, Robert Pagliarini, Pacifica Wealth Advisors
- [What's Net Worth?](https://www.pacificawealth.com/whats-net-worth/) - How much do you own versus owe? This is your financial scorecard to help you determine if you're financially free or in debt. Get Money Smart, Robert Pagliarini
- [Digging Deeper Into Stocks: Part 1](https://www.pacificawealth.com/digging-deeper-into-stocks-part-1/) - Not all stocks are created equally. Become an informed investor with Get Money Smart, and learn to grow your financial confidence and wealth. Robert Pagliarini
- [What's Cash Flow?](https://www.pacificawealth.com/whats-cash-flow/) - Tracking cash flow is the simple, yet powerful key to wealth creation. Continue your Get Money Smart financial education & grow your wealth. Robert Pagliarini
- [Understanding Compound Interest](https://www.pacificawealth.com/understanding-compound-interest/) - Interest is powerful and can be your ticket to wealth or debt. Use this financial principal to help your investments grow. Robert Pagliarini - Get Money Smart
- [How Much Should You Save?](https://www.pacificawealth.com/how-much-to-save/) - There's always a fear of not saving enough or not knowing if you are on track. Here's an easy rule of thumb to keep your finances in check Pacifica Wealth Advisors, Robert Pagliarini, Get Money Smart
- [What's the Best Way to Save](https://www.pacificawealth.com/whats-the-best-way-to-save/) - Discover how to accumulate wealth through practical savings strategies. Start with a 401(k). Get Money Smart, by Robert Pagliarini, Pacifica Wealth Advisors.
- [Types of Income: Do You Know the Two Types?](https://www.pacificawealth.com/types-of-income-do-you-know-the-two-types/) - Gradually improve your finances & get money smart with passive income, how wealthy people make the majority of their income. Robert Pagliarini, Pacifica Wealth
- [The Benefits of TOD & JTWROS Designations](https://www.pacificawealth.com/benefits-tod-jtwros-designations/) - TOD, JTWROS... what do these acronyms signify? They are shorthand for Transfer On Death and Joint Tenancy With Right of Ownership. Learn about the pros & cons.
- [NAPFA Fee-Only Organization Welcomes Pacifica Wealth Advisors](https://www.pacificawealth.com/napfa-fee-only-organization-welcomes-pacifica-wealth-advisors/) - We are thrilled to be NAPFA-Registered financial advisor! The fee-only model allows us to provide our clients with objective financial advice that best meets their specific needs. Learn more today.
- [7 Savings Tips for Parents and Students During Back-to-School Season](https://www.pacificawealth.com/7-savings-tips-for-parents-and-students-during-back-to-school-season/) - Students of all ages are facing many changes to their school experiences & new expenses due to the COVID-19 pandemic. Robert Pagliarini | Pacifica Wealth
- [4th of July](https://www.pacificawealth.com/4th-of-july/) - Freedom is not an event in 1776 but a process...
- [The Investment You Never Hear About](https://www.pacificawealth.com/the-investment-you-never-hear-about/) - While this type of investment rarely gets mentioned, it will offer your portfolio critical protection during volatile times like these. Diversify with bonds.
- [Why Is the Stock Market Going up & Will It Drop Again?](https://www.pacificawealth.com/podcast-stock-market-going-up-will-it-drop-again/) - We've witness some very strong gains in the stock market over the last few weeks – a welcomed change since the lows of March 23rd. Will they last?
- [What You Are Investing In](https://www.pacificawealth.com/what-you-are-investing-in/) - Coronavirus will be temporary. Despite the magnitude of the current health and financial crisis, remember we will recover. Stock market turbulence, volatility
- [The Power of People: My Thoughts on the Coronavirus](https://www.pacificawealth.com/the-power-of-people-my-thoughts-on-the-coronavirus/) - The stock market will remain volatile (up and down) for some time, but eventually it (and the rest of us) will come back stronger.
- [A Historical Look at the S&P 500](https://www.pacificawealth.com/a-historical-look-at-the-sp-500/) - As the S&P 500 includes about 500 companies, it represents overall market performance better than the 30-component Dow Jones Industrial Average.
- [The Differences Between a Transfer on Death Account & a Living Trust](https://www.pacificawealth.com/the-differences-between-a-transfer-on-death-account-a-living-trust/) - We've helped hundreds of clients with complex estate plans and are here to help you learn the differences between a transfer on death account & a living trust.
- [What Should Investors Do Now?](https://www.pacificawealth.com/what-should-investors-do-now/) - During these turbulent times, it's unclear how bad the Coronavirus, the economy or the market will get. Steps to safeguard your portfolio and finances.
- [A Brief Look At Historical Market Drops](https://www.pacificawealth.com/brief-look-historical-market-drops/) - The stock market has declined in recent days as markets focus on the spread of coronavirus around the world. Let's put recent market movements in perspective.
- [Protect Your Parents From Elder Financial Abuse](https://www.pacificawealth.com/protect-parents-elder-financial-abuse/)
- [Moving Out of a High Income Tax State](https://www.pacificawealth.com/moving-out-of-a-high-income-tax-state/)
- [Everything You Wanted To Know About the Retirement Income 4% Rule](https://www.pacificawealth.com/the-4-percent-rule/) - How much can you safely withdraw from your retirement portfolio and not run out of money? Here's everything you need to know about the 4% rule for retirement.
- [Investment Summary For 2019 & What To Expect In 2020](https://www.pacificawealth.com/how-to-set-client-expectations-after-the-2019-market-rally/) - Macro-economic drivers played a large part in market returns in 2019, though investors should have healthy expectations for their portfolios going forward.
- [States With No Income Tax](https://www.pacificawealth.com/states-with-no-income-tax/) - Only seven states impose no income tax. Do you know which seven?
- [Robert Speaks at The American College Commencement Ceremony](https://www.pacificawealth.com/robert-speaks-at-the-american-college-commencement-ceremony/) - On Saturday, Robert Pagliarini participated in his PhD graduation ceremony at The American College in San Diego. He was selected as this year's student speaker
- [How an Inverted Yield Curve Impacts Investors](https://www.pacificawealth.com/how-an-inverted-yield-curve-impacts-investors/) - Of all the economic indicators that predict recessions, none is as important as the steepness of the yield curve. What does this mean for long-term investors?
- [Investopedia 100 Recognizes Robert Pagliarini as Top Financial Advisor of 2019](https://www.pacificawealth.com/investopedia-100-recognizes-robert-pagliarini-as-top-financial-advisor-of-2019/) - Robert Pagliarini was recently recognized by Investopedia as one of the top 100 financial advisors of 2019 nationally & top 22 in California.
- [Pacifica Wealth Advisors Recognized as Top Irvine Wealth Management Firm](https://www.pacificawealth.com/pacifica-wealth-advisors-recognized-as-top-irvine-wealth-management-firm/) - We're proud to announce that Pacifica Wealth Advisors has been named one of the 2019 top financial advisors in Irvine by Expertise.
- [What is Tax Loss Harvesting?](https://www.pacificawealth.com/tax-loss-harvesting/)
- [How Are Rental Properties Taxed?](https://www.pacificawealth.com/rental-properties-taxed/)
- [Could Pension Reform Disturb Investment Funds?](https://www.pacificawealth.com/could-pension-reform-disturb-investment-funds/) - On Capitol Hill and elsewhere, voices are calling for a major shift in public pension plan management – a shift toward privatization.
- [Retirement Planning: Wise Decisions with Retirement in Mind](https://www.pacificawealth.com/retirement-planning-wise-decisions-retirement-mind/) - Wise Decisions with Retirement Planning in Mind: How can you succeed at realizing the life you want?
- [Video: Tune out the Noise](https://www.pacificawealth.com/video-tune-out-the-noise/)
- [Three Strategies to Increase Satisfaction in Retirement](https://www.pacificawealth.com/three-strategies-to-increase-satisfaction-in-retirement/) - In this episode of Financial Transitions, I want to share with you a couple of strategies that have been shown to increase retirement satisfaction.
- [The Top 10 Questions to Ask Your Retirement Financial Advisor](https://www.pacificawealth.com/the-top-10-questions-to-ask-your-retirement-financial-advisor/) - Here are 10 questions (and one bonus) that you can use when you are looking for the best retirement financial advisor to guide you
- [All About Opportunity Zones: The 1031 on Steroids](https://www.pacificawealth.com/all-about-opportunity-zones-the-1031-on-steroids/) - Looking for a brand new tax-deferred or potentially tax-free investing opportunity? Bruce Stachenfeld, one of the nation's preeminent real estate attorneys, calls it the 1031 on steroids. Listen now on the Pacifica Wealth Podcast.
- [A SURPRISING PROBLEM WITH DEFINED BENEFIT PENSION PLANS FOR SMALL BUSINESSES](https://www.pacificawealth.com/a-surprising-problem-with-defined-benefit-pension-plans-for-small-businesses/)
- [What is a Fiduciary Financial Advisor?](https://www.pacificawealth.com/what-is-a-fiduciary-financial-advisor/) - A Fiduciary financial advisor must give you advice is in your best interest. Read why it's important to hire a fiduciary, and download a copy of the fiduciary oath.
- [Can an IRA Be a College Savings Vehicle Too?](https://www.pacificawealth.com/can-an-ira-be-a-college-savings-vehicle-too/) - Why would anyone choose an IRA as a college savings vehicle?
- [Start Saving Today For Tomorrow's College Expenses](https://www.pacificawealth.com/start-saving-today-for-tomorrows-college-expenses/) - A Sallie Mae study finds that today’s students, on average, can only pay for 24% of their college expenses. How can you start saving today for those costs?
- [Saving For College](https://www.pacificawealth.com/saving-for-college/)
- [Money and Taxes After Marriage](https://www.pacificawealth.com/money-taxes-marriage/)
- [Should You Delay IRA Distributions For As Long As You Can?](https://www.pacificawealth.com/should-you-delay-ira-distributions-for-as-long-as-you-can/) - Shouldn’t you delay IRA distributions for as long as you can? According to conventional retirement planning wisdom, you should structure your retirement
- [401(k) Contributions - Why You Should Never Stop Saving for Retirement](https://www.pacificawealth.com/401k-contributions-never-stop-saving-retirement/) - Don’t stop saving for retirement. Even if you think you’re wealthy enough to forego 401(k) contributions for a while.
- [Learn About The Gift Tax](https://www.pacificawealth.com/learn-gift-tax/)
- [Women & Money](https://www.pacificawealth.com/women-money/)
- [Can You Create Your Own Defined Benefit Pension Retirement Plan?](https://www.pacificawealth.com/can-you-create-your-own-pension-plan/) - Contrary to popular belief, classic pension plans have not disappeared, thanks to highly-profitable small businesses. Can you create your own pension plan?
- [Make Your Money Work Harder for Your Retirement](https://www.pacificawealth.com/make-money-work-harder-retirement/) - How can you make your money work harder for your retirement
- [What’s the Difference Between Good Debt & Bad Debt?](https://www.pacificawealth.com/whats-difference-good-debt-bad-debt/)
- [Minimizing Probate When You Set Up Your Estate](https://www.pacificawealth.com/minimizing-probate-set-estate/)
- [Tax Smart Investing](https://www.pacificawealth.com/tax-smart-investing/)
- [Take Advantage of Rising Interest Rates With Step-Up CDs](https://www.pacificawealth.com/take-advantage-of-rising-interest-rates-with-step-up-cds/) - Have you thought about how to take advantage of rising interest rates? Step-Up CD's (rising-rate CDs) are fixed-income investments with some wiggle room.
- [The Possibilities of Premium Bonds](https://www.pacificawealth.com/possibilities-premium-bonds/) - Bond investors pick up premium bonds for two compelling reasons...
- [Want To Increase Your Returns & Truly Grow Your Wealth?](https://www.pacificawealth.com/want-to-increase-your-returns-truly-grow-your-wealth/)
- [Affordable Care Act: What You Need to Tell Your Employees](https://www.pacificawealth.com/affordable-care-act-what-you-need-to-tell-your-employees/) - Do you own a business? Undoubtedly, you know that the employer mandate of the Affordable Care Act has been postponed for a year.
- [Living Trusts: Fact Versus Fiction](https://www.pacificawealth.com/living-trusts-fact-versus-fiction/) - Living trusts require a clearly-defined objective: avoiding probate. Many have misconceptions about them. Here's a realistic assessment of living trusts.
- [A Realistic Assessment of Living Trusts](https://www.pacificawealth.com/a-realistic-assessment-of-living-trusts/) - Living trusts are created with a clearly defined objective: to avoid probate. Here are some misconceptions and a realistic assessment of living trusts.
- [The Rise of Bitcoin: Is Virtual Currency a Fad or the Future?](https://www.pacificawealth.com/rise-bitcoin-virtual-currency-fad-future/) - Mention “bitcoin” to assorted economists or investors, and you may trigger all kinds of associations.
- [An Essential Estate Planning Checklist](https://www.pacificawealth.com/essential-estate-planning-checklist/)
- [Financial Planning Tips for the Fall](https://www.pacificawealth.com/financial-planning-tips-fall/) - As every calendar year ends, the window slowly closes on a set of financial opportunities. Here are several financial planning tips for fall
- [Financial Planning Tips Checklist For 2014](https://www.pacificawealth.com/financial-planning-tips-checklist-2014/) - Your financial planning tips checklist: seven aspects of your financial life to think about as this year leads into the next...
- [Financial Planning Tips 2015](https://www.pacificawealth.com/financial-planning-tips-2015/)
- [Choosing the Right Beneficiary](https://www.pacificawealth.com/choosing-right-beneficiary/) - Here’s a simple financial question: who is the beneficiary of your IRA?
- [How to Save and Pay for College](https://www.pacificawealth.com/how-to-save-and-pay-for-college/)
- [How To Fund College](https://www.pacificawealth.com/how-to-fund-college/)
- [Beware of Tax Phone Scams](https://www.pacificawealth.com/beware-tax-phone-scams/)
- [Financial Planning for Women](https://www.pacificawealth.com/financial-planning-women/) - As many women outlive their spouses by several years or more, a woman may need several years more worth of retirement income. Financial planning strategies
- [The Bull Market Endures - Why Are Boomers Scared?](https://www.pacificawealth.com/bull-market-endures-boomers-scared/) - As uplifting as the bull market was for many, some baby boomers missed out on it. They were simply too afraid to get back into stocks.
- [A Roadmap for Insurance Claims after a Natural Disaster](https://www.pacificawealth.com/roadmap-insurance-claims-natural-disaster/) - There are reports that up to 80 percent of those impacted by Hurricane Harvey did not have flood insurance. For those who do not have flood insurance, the government may step in with a safety net. The CFP®Board offers guidelines to help people filing insurance claims after a natural disaster - read them here.
- [Selling a Business? Use These Strategies to Save on Taxes](https://www.pacificawealth.com/selling-business-use-strategies-save-tax/) - Talk to a financial or tax professional about the potential of CRUTs and CRATs. What you learn may lead you toward a better outcome for your business. Whether you're in Southern California or New York - we are experienced financial advisors ready to help you sell your business.
- [The White House Postpones Part of the Healthcare Overhaul](https://www.pacificawealth.com/the-white-house-postpones-part-of-the-healthcare-overhaul/) - In 2013, the Obama administration announced a postponement of the employer mandate portion of the Affordable Care Act. How does this effect your business? Contact us today - we're happy to help sort out what this means for your business financially.
- [Video: How Do Actively Managed Mutual Funds Stack Up?](https://www.pacificawealth.com/video-how-do-actively-managed-mutual-funds-stack-up/) - What is better, actively managed mutual funds or passive index mutual funds? There will always be a debate, but let this 10 minute video give you some insight...
- [12 Biggest Tax Scams](https://www.pacificawealth.com/12-biggest-tax-scams/) - The IRS has listed the 12 biggest tax scams that you should recognize as schemes that warrant penalties and/or punishment.
- [Tax Preparation Checklist: Lessons from Your 2017 Tax Return](https://www.pacificawealth.com/tax-preparation-checklist-lessons-from-your-2017-tax-return/)
- [Retirement and Social Security for Women](https://www.pacificawealth.com/retirement-and-social-security-for-women/) - Did you know that 30% of American women age 65 and older rely on Social Security for 90% or more of their incomes? If you don’t want to end up dependent on Social Security, then see that you have the financial education that will let you make major money decisions with confidence.
- [Make a Plan to Get Financially Fit](https://www.pacificawealth.com/make-plan-get-financially-fit/)
- [Economic Update 05/02/2016](https://www.pacificawealth.com/economic-update-05022016/)
- [Economic Update 06/06/16](https://www.pacificawealth.com/economic-update-060616/)
- [Economic Update 06/27/16](https://www.pacificawealth.com/economic-update-062716/)
- [Economic Update 03/27/17](https://www.pacificawealth.com/economic-update-032717/)
- [Economic Update 02/27/2017](https://www.pacificawealth.com/economic-update-02272017/)
- [Economic Update 01/09/17](https://www.pacificawealth.com/economic-update-010917/)
- [Economic Update 03/28/16](https://www.pacificawealth.com/economic-update-032816/)
- [Economic Update 07/24/17](https://www.pacificawealth.com/economic-update-072417/)
- [Economic Update 04/17/17](https://www.pacificawealth.com/economic-update-041717/)
- [Economic Update 11/13/17](https://www.pacificawealth.com/economic-update-111317/)
- [Economic Update 10/30/2017](https://www.pacificawealth.com/economic-update-10302017/)
- [Economic Update 10/23/17](https://www.pacificawealth.com/economic-update-102317/)
- [Economic Update 10/09/17](https://www.pacificawealth.com/economic-update-100917/)
- [Economic Update 10/02/2017](https://www.pacificawealth.com/economic-update-10022017/)
- [Economic Update 09/25/18](https://www.pacificawealth.com/economic-update-092518/)
- [Do You Need Life Insurance?](https://www.pacificawealth.com/need-life-insurance-2/) - Life insurance is hard. It’s hard to know if you have the right kind. It’s hard to know if you have enough. And it’s hard to know if you need any at all.
- [Money Mistakes](https://www.pacificawealth.com/money-mistakes/) - Between the ages of 40 and 60, many fall prey to some common money mistakes and harbor financial assumptions that may be inaccurate.
- [Economic Update 09/18/17](https://www.pacificawealth.com/economic-update-091817/)
- [Economic Update 09/11/2017](https://www.pacificawealth.com/economic-update-09112017/)
- [Economic Update 08/28/17](https://www.pacificawealth.com/economic-update-082817/)
- [Low Volatility Market: Ways to Reduce Risks That Persist](https://www.pacificawealth.com/low-volatility-market-ways-reduce-risks-persist/)
- [Economic Update 08/08/17](https://www.pacificawealth.com/economic-update-080817/)
- [Tips for Homebuyers Struggling in a Tight Market](https://www.pacificawealth.com/tips-homebuyers-struggling-tight-market/)
- [Economic Update 07/17/17](https://www.pacificawealth.com/economic-update-071717/)
- [Economic Update 07/10/17](https://www.pacificawealth.com/economic-update-071017/)
- [Economic Update 06/19/17](https://www.pacificawealth.com/economic-update-061917/)
- [Economic Update 06/12/17](https://www.pacificawealth.com/economic-update-061217/)
- [Economic Update 06/05/17](https://www.pacificawealth.com/economic-update-060517/)
- [Economic Update 05/22/17](https://www.pacificawealth.com/economic-update-052217/)
- [Economic Update 05/15/17](https://www.pacificawealth.com/economic-update-051517/)
- [Economic Update 05/08/17](https://www.pacificawealth.com/economic-update-050817/)
- [How Important Is Financial Literacy?](https://www.pacificawealth.com/important-financial-literacy/)
- [Economic Update 05/01/2017](https://www.pacificawealth.com/economic-update-05012017/)
- [Economic Update 04/10/17](https://www.pacificawealth.com/economic-update-041017/)
- [Should You Combine Your Finances When You Get Married?](https://www.pacificawealth.com/combine-finances-get-married/)
- [What is a Living Trust?](https://www.pacificawealth.com/what-is-a-living-trust/)
- [Tax Season Tips: Deductions That Can Put Money Back in Your Pocket](https://www.pacificawealth.com/tax-season-tips-deductions-can-put-money-back-pocket/)
- [Common Estate Planning Mistakes](https://www.pacificawealth.com/common-estate-planning-mistakes/)
- [Economic Update 03/20/17](https://www.pacificawealth.com/economic-update-032017/)
- [Economic Update 03/13/2017](https://www.pacificawealth.com/economic-update-03132017/)
- [How to Manage Your Relationship… And Your Money](https://www.pacificawealth.com/manage-relationship-money/)
- [What Are Your Money Beliefs?](https://www.pacificawealth.com/what-are-your-money-beliefs/)
- [The Benefits of a Health Savings Account (HSA)](https://www.pacificawealth.com/benefits-health-savings-account-hsa/)
- [Economic Update 02/12/17](https://www.pacificawealth.com/economic-update-021217/)
- [What’s the Difference Between Active & Passive Investment Management?](https://www.pacificawealth.com/whats-difference-active-passive-investment-management/)
- [Couples Advice on Managing Wealth](https://www.pacificawealth.com/advice-managing-wealth-couples/)
- [Economic Update 02/06/2017](https://www.pacificawealth.com/economic-update-02062017/)
- [Do You Need Life Insurance Before Age 40?](https://www.pacificawealth.com/need-life-insurance-age-40/)
- [Make a Plan to Get Financially Fit](https://www.pacificawealth.com/make-plan-get-financially-fit/)
- [Homeowners Insurance And What It Covers](https://www.pacificawealth.com/homeowners-insurance-covers/)
- [Economic Update 01/23/17](https://www.pacificawealth.com/economic-update-012317/)
- [Business Planning: How To Keep Good Employees](https://www.pacificawealth.com/business-planning-keep-good-employees/)
- [Business Transition Planning Using a Buy-Sell Agreement](https://www.pacificawealth.com/business-transition-planning-using-buy-sell-agreement/)
- [Economic Update 12/19/16](https://www.pacificawealth.com/economic-update-121916/)
- [Why “Stretched Worriers” Feel Financially Trapped](https://www.pacificawealth.com/stretched-worriers-feel-financially-trapped/)
- [Economic Update 12/12/16](https://www.pacificawealth.com/economic-update-121216/)
- [How To Improve Your Finances Today](https://www.pacificawealth.com/improve-finances-today/)
- [Economic Update 12/05/16](https://www.pacificawealth.com/economic-update-120516/)
- [Are Women Outpacing Men Financially?](https://www.pacificawealth.com/women-outpacing-men-financially/)
- [New CFP®Board Consumer Survey Series:  Slow & Steady “Confident Savers” Win the Race](https://www.pacificawealth.com/new-cfp-board-consumer-survey-series-slow-steady-confident-savers-win-race/)
- [Should You Track The Market's Performance Each Day?](https://www.pacificawealth.com/track-markets-performance-day/)
- [Economic Update 11/14/16](https://www.pacificawealth.com/economic-update-111416/)
- [How To Improve Your Credit Score](https://www.pacificawealth.com/how-to-improve-your-credit-score-2/)
- [So What is Comprehensive Financial Planning?](https://www.pacificawealth.com/so-what-is-comprehensive-financial-planning/)
- [Money Habits That May Make You Richer](https://www.pacificawealth.com/money-habits-may-make-richer/)
- [Do Our Biases Affect Our Financial Decisions?](https://www.pacificawealth.com/do-our-biases-affect-our-financial-decisions/) - Investors are routinely warned about allowing their emotions to influence their financial decisions. They are less routinely cautioned about their biases
- [Financial Planning After A Spouse Dies](https://www.pacificawealth.com/financial-planning-spouse-dies/)
- [Economic Update 10/31/16](https://www.pacificawealth.com/economic-update-103116/)
- [“Tentative Savers” Feeling the Squeeze of Competing Financial Obligations](https://www.pacificawealth.com/tentative-savers-feeling-squeeze-competing-financial-obligations/)
- [Economic Update 10/24/16](https://www.pacificawealth.com/economic-update-102416/)
- [The Psychology of Money & Investing: 8 Behaviors](https://www.pacificawealth.com/psychology-money-investing-8-behaviors/)
- [What Does “Helicopter Money” Mean?](https://www.pacificawealth.com/helicopter-money-mean/)
- [Economic Update 10/17/16](https://www.pacificawealth.com/economic-update-101716/)
- [Does It Make Financial Sense For You To Buy A House?](https://www.pacificawealth.com/make-financial-sense-buy-house/)
- [Economic Update 10/10/16](https://www.pacificawealth.com/economic-update-101016/)
- [Don't Stop Saving for Retirement - Keep Contributing to Your 401(a) or 457 Plan](https://www.pacificawealth.com/dont-stop-saving-retirement-keep-contributing-401a-457-plan/) - Stocks may rise or fall dramatically over the course of a year or a decade. Sometimes, breaking news may tempt you to pull money out of our retirement plan.
- [Economic Update 10/3/16](https://www.pacificawealth.com/economic-update-10316/)
- [“Concerned Strivers” Have Higher Incomes, Find Saving Hard](https://www.pacificawealth.com/concerned-strivers-higher-incomes-find-saving-hard/)
- [Economic Update 09/26/16](https://www.pacificawealth.com/economic-update-092616/)
- [What It Takes To Be A "Millionaire Next Door"](https://www.pacificawealth.com/takes-millionaire-next-door/)
- [Economic Update 09/12/16](https://www.pacificawealth.com/economic-update-091216/)
- [Are You Insured? If Not, Your Loved Ones May Be At Risk](https://www.pacificawealth.com/insured-not-loved-ones-may-risk/)
- [Economic Update 08/29/16](https://www.pacificawealth.com/economic-update-082916/)
- [What Type Of Life Insurance Is Right For You?](https://www.pacificawealth.com/type-life-insurance-right/)
- [Do You Really Need Life Insurance?](https://www.pacificawealth.com/really-need-life-insurance/)
- [Reviewing Your Estate Plan: What You Need To Know](https://www.pacificawealth.com/reviewing-estate-plan-need-know/)
- [Do You Need Life Insurance?](https://www.pacificawealth.com/need-life-insurance-3/)
- [Economic Update 08/08/16](https://www.pacificawealth.com/economic-update-080816/)
- [Economic Update 08/01/16](https://www.pacificawealth.com/economic-update-080116/)
- [Global Market Volatility: How to Stay In & Weather the Storm](https://www.pacificawealth.com/global-market-volatility-stay-weather-storm/)
- [Economic Update 07/25/16](https://www.pacificawealth.com/economic-update-072516/)
- [Economic Update 07/18/16](https://www.pacificawealth.com/economic-update-071816/)
- [Economic Update 07/11/16](https://www.pacificawealth.com/economic-update-071116/)
- [What is Medicare?](https://www.pacificawealth.com/what-is-medicare/)
- [Economic Update 06/13/16](https://www.pacificawealth.com/economic-update-061316/)
- [Economic Update 05/23/16](https://www.pacificawealth.com/economic-update-052316/)
- [Diversification Is a Good Thing: CFP®Board Ambassador Offers Tips on Which Assets to Diversify and How](https://www.pacificawealth.com/diversification-good-thing-cfp-board-ambassador-offers-tips-assets-diversify/)
- [Weekly Economic Update 05/16/16](https://www.pacificawealth.com/weekly-economic-update-051616/)
- [Economic Upate 05/09/16](https://www.pacificawealth.com/economic-upate-050916/)
- [Economic Update 04/25/16](https://www.pacificawealth.com/economic-update-042516/)
- [Advice from Warren Buffett](https://www.pacificawealth.com/advice-warren-buffett/)
- [Economic Update 04/18/16](https://www.pacificawealth.com/economic-update-041816/)
- [Economic Update 04/11/16](https://www.pacificawealth.com/economic-update-041116/)
- [Economic Update 04/04/2016](https://www.pacificawealth.com/economic-update-04042016/)
- [Money Issues When Remarrying](https://www.pacificawealth.com/money-issues-remarrying/)
- [Economic Update 03/21/16](https://www.pacificawealth.com/economic-update-032116/)
- [Tax Issues & 529 College Savings Accounts](https://www.pacificawealth.com/tax-issues-529-college-savings-accounts/)
- [Economic Update 03/14/16](https://www.pacificawealth.com/economic-update-031416/)
- [Economic Update 03/07/16](https://www.pacificawealth.com/economic-update-030716/)
- [Why You Should Work With A CFP®](https://www.pacificawealth.com/why-you-should-work-with-a-cfp/) - What does “Certified Financial Planner” really mean? When looking for a financial planner, it's important to understand why you should work with a CFP®.
- [Can you get by with a will only, or do you need more?](https://www.pacificawealth.com/can-you-get-by-with-a-will-only-or-do-you-need-more/) - Can you get by with a will only, or do you need more? The more complex your estate, the more your need for estate planning. Consider a living trust.
- [Financial Education: What do your children know about building wealth?](https://www.pacificawealth.com/financial-educationwhat-do-your-children-know-about-building-wealth/) - Few young adults fully understand how wealth can be built. That’s a shame. Decades from now, many will wish they had a better financial education.
- [How Can I Retire? The 2 Biggest Retirement Misconceptions](https://www.pacificawealth.com/how-can-i-retirethe-2-biggest-retirement-misconceptions/) - Understanding the 2 biggest retirement misconceptions.
- [What Exactly Is Wealth Management?](https://www.pacificawealth.com/what-exactly-is-wealth-management/) - What exactly is wealth management. There’s financial planning, and then there’s wealth management. Think of wealth management as a step up.
- [Leaving A Legacy Plan](https://www.pacificawealth.com/leaving-a-legacy-plan/) - How does a legacy plan differ from an estate plan? An estate plan determines a destiny for your assets. A legacy plan does that and more.
- [Tax Efficiency In Retirement](https://www.pacificawealth.com/tax-efficiency-in-retirement/) - Do you have a lot of money saved in a 401(k) or traditional IRA? If so, you may have significant retirement income. Learn about tax efficiency in retirement
- [What is a Trust? The Fine Art Of Flexible Estate Planning](https://www.pacificawealth.com/what-is-a-trustthe-fine-art-of-flexible-estate-planning/) - Estate planning professionals have to deal with ambiguities. There are contingencies of family life that may require flexible estate planning. What is it?
- [Estate Taxes: What is the Estate Tax?](https://www.pacificawealth.com/estate-taxes-what-is-the-estate-tax/) - It doesn’t matter if you own a mansion or a motor home. Rich or poor, when you die you leave behind an estate. What is the estate tax?
- [An Estate Planning Checklist](https://www.pacificawealth.com/an-estate-planning-checklist/) - No matter what your age, here is an estate planning checklist of some things to accomplish this year with regard to estate planning.
- [How Can I Retire: Major Retirement Planning Mistakes](https://www.pacificawealth.com/how-can-i-retire-major-retirement-planning-mistakes/) - Major retirement planning mistakes: Calling them “mistakes” may be a bit harsh, as not all of them represent errors in judgment. Yet we need to be aware of them.
- [Financial Education: 2012/2013 Financial To-Do List](https://www.pacificawealth.com/what-you-need-to-do-now-20122013-financial-to-do-list/) - Now is a good time to think about the investing, saving or budgeting methods you could employ. Find out what to do now on your financial to-do list.
- [Should You Ever Invest in a Timeshare?](https://www.pacificawealth.com/should-you-ever-invest-in-a-timeshare/) - Thinking about buying a timeshare? You may want to think twice about it. Find out if you should invest in a timeshare and the potential pitfalls.
- [How to Control Excessive Shopping](https://www.pacificawealth.com/how-to-control-excessive-shopping/) - Can shopping become addictive? I’ve worked with people from vastly different backgrounds who've become shopaholics. Learn how to control excessive shopping.
- [12 Key Elements of Personal Finance](https://www.pacificawealth.com/12-key-elements-of-personal-finance/) - These 12 key elements of personal finance are extracted from the wonderful book, "Common Sense Economics," by Mr. Gwartney, Mr. Stroup, and Mr. Lee.
- [Manage Your Finances Like a Big Saver (Not a Big Spender!)](https://www.pacificawealth.com/big-spenders-vs-big-savers-who-would-you-rather-emulate/) - When you look across the street at the house of that well-to-do family, you are not necessarily gazing at wealth. Learn how to manage your finances well.
- [A Living Trust – Or A Will?](https://www.pacificawealth.com/a-living-trust-or-a-will/) - Should you have a living trust? There is no pat answer. The fact is, the more complex your estate, the more your need for estate planning.
- [But, I Don’t Need Estate Planning … Do I?](https://www.pacificawealth.com/but-i-dont-need-estate-planning-do-i/) - Why estate planning is so important, and not just for the rich. what you leave behind when you die is considered to be your “estate."
- [The Value Of Life Insurance Trusts](https://www.pacificawealth.com/the-value-of-life-insurance-trusts/) - Life insurance has many potential uses in estate planning, and a life insurance trust can certainly help a family. What does a life insurance trust do?
- [Are Your Children Financially Literate?](https://www.pacificawealth.com/are-your-children-financially-literate/) - How bad is financial illiteracy today? So bad that your adult children may be at risk of making some serious financial mistakes.
- [Pacifica Wealth Advisors October 2012 Investment Commentary](https://www.pacificawealth.com/pacifica-wealth-advisors-october-2012-investment-commentary/)
- [Robert's CBS Column: 5 Quick & Painless Money Saving Tips](https://www.pacificawealth.com/5-quick-painless-money-saving-tips/) - People immediately start looking at the most difficult and painful ways to cut their spending. Here are often quick and painless money saving tips.
- [The Financial Impact of Hurricane Sandy](https://www.pacificawealth.com/the-financial-impact-of-hurricane-sandy/) - Even with the relief efforts now underway, it will be some time before things return to normal. What is the financial impact of hurricane sandy?
- [How to Improve Your Credit Score](https://www.pacificawealth.com/how-to-improve-your-credit-score/) - You need a good credit score to refinance, buy a home, pass muster with a lender, a landlord, or even an employer. Here's how to improve your credit score.
- [Robert Pagliarini Discusses Credit Scores on the Steve Harvey Show](https://www.pacificawealth.com/robert-pagliarini-discusses-credit-scores-on-the-steve-harvey-show/) - In October 2013, Robert Pagliarini appeared on the Steve Harvey Show to discuss all things credit: what is credit, what are credit scores, and more.
- [Robert's CBS Column: 3 Steps to Prepare for the Next Disaster](https://www.pacificawealth.com/roberts-cbs-column-3-steps-to-prepare-for-the-next-disaster/) - Bad things happen to good people all the time. Some things we simply can't prevent. Here are 3 steps to prepare for the next disaster, like Hurricane Sandy.
- [10 Reasons Not to Plan for Retirement](https://www.pacificawealth.com/10-reasons-not-to-plan-for-retirement/) - This list is different, but take a moment to read it. It's not the kind you’d expect a Financial Advisor to write: 10 reasons not to plan for retirement.
- [The 2 Biggest Misconceptions About Retirement](https://www.pacificawealth.com/the-2-biggest-misconceptions-about-retirement/) - We’ve all heard about the “new retirement,” the mix of work and play that many of us assume we will have. Here are 2 big misconceptions about retirement.
- [How Will Congress Resolve the Big Tax Questions of 2013?](https://www.pacificawealth.com/how-will-congress-resolve-the-big-tax-questions-of-2013/) - Decisions must be made. In the next couple of months, Congress will address several major tax matters. Here are the looming tax questions of 20l3.
- [Robert's CBS Column: Santa on a Budget? What to Tell Your Kids](https://www.pacificawealth.com/roberts-cbs-column-santa-on-a-budget-what-to-tell-your-kids/) - Is Santa on a budget this season? If you don't talk to your kids, you will be doing them a huge disservice. Silence does not protect them, it hurts them.
- [Robert's CBS Column: Save Money This Christmas With 10 Easy Tips](https://www.pacificawealth.com/roberts-cbs-column-save-money-this-christmas-with-10-easy-tips/) - Want to learn how to save money on gifts this Christmas and not feel like a Scrooge? Robert's CBS Column: Save Money This Christmas With 10 Easy Tips.
- [2012 in Review From Wall Street's Point of View](https://www.pacificawealth.com/2012-in-review-from-wall-streets-point-of-view/) - Stock market bears might characterize 2012 as a year of living dangerously, a year in which Wall Street coped with major risks to the American and European
- [Robert's CBS Column: 10 Amazing Christmas Gifts That Won't Cost You Anything!](https://www.pacificawealth.com/roberts-cbs-column-10-amazing-christmas-gifts-that-wont-cost-you-anything/) - Ten amazing Christmas gifts that won't cost you anything! I'm going to show you how to give real gifts without spending a dime.
- [Special Needs Trusts: Financial Planning for a Loved One with a Disability](https://www.pacificawealth.com/special-needs-trusts-financial-planning-for-a-loved-one-with-a-disability/) - If you have a child with special needs or care for a mentally or physically challenged adult relative, special needs trusts can help with financial demands.
- [Make Your Retirement Savings Last](https://www.pacificawealth.com/make-your-retirement-savings-last/) - As you retire, there are variables you can’t control; investment performance and fate are at the top. How do you make your retirement savings last?
- [Robert's CBS Column: 10 More Amazing Christmas Gifts That Won't Cost You Anything!](https://www.pacificawealth.com/roberts-cbs-column-10-more-amazing-christmas-gifts-that-wont-cost-you-anything/) - Last week I wrote a popular column titled 10 Free Christmas Gifts That Won't Cost You a Dime! I received so much feedback, that I've come up with 10 more!
- [Robert's CBS Column: Are You A Shopaholic? Here's 5 Ways to Beat Your Addiction](https://www.pacificawealth.com/roberts-cbs-column-are-you-a-shopaholic-heres-5-ways-to-beat-your-addiction/) - I've worked with more than one shopaholic in my Orange County financial planning firm. Are you a shopaholic? Here are five ways to beat your addiction.
- [How Much Retirement Income Will You Actually Need?](https://www.pacificawealth.com/how-much-retirement-income-will-you-actually-need/) - Is it true that when you retire that you need about 70% of your end salary retire comfortably? How much retirement income do you need?
- [An Investor's 3 Best Friends](https://www.pacificawealth.com/an-investors-3-best-friends/) - Any investor would do well to call on three friends during the course of his or her financial life: diversification, patience and consistency.
- [Is America Prepared for Retirement?](https://www.pacificawealth.com/is-america-prepared-for-retirement/) - Is America prepared for retirement? 64% of Americans have no financial strategy at all. That’s right – no plan whatsoever to build wealth or to keep it.
- [Little Ways You Can Improve Your Financial Life in 2013](https://www.pacificawealth.com/little-ways-you-can-improve-your-financial-life-in-2013/) - We’re not talking about those ridiculously obvious steps the usual articles recommend. Let’s get into the real issues to improve your financial life.
- [Economic Update 01.01.13](https://www.pacificawealth.com/economic-update-010113/) - Economic Update 01.01.13 - CRUNCH TIME IN WASHINGTON - After a bipartisan meeting failed to produce a deal to avert the fiscal cliff, President Obama had
- [Best Economic and Business Books 2012](https://www.pacificawealth.com/best-economic-and-business-books-2012/) - Here my picks for best economic and business books 2012 that had the perfect combination of good ideas and good writing.
- [Summary of 2013 "Fiscal Cliff" Tax Changes](https://www.pacificawealth.com/summary-of-2013-fiscal-cliff-tax-changes/) - A brief overview of the 2013 "fiscal cliff" tax changes.
- [Economic Update 01.07.13](https://www.pacificawealth.com/economic-update-01-07-13/) - Economic Update 01.07.13 - STEADY HIRING AT THE EDGE OF THE CLIFF - Employers added 155,000 jobs in December. The encouraging news is that non-farm payrolls
- [Why Is It Wise To Diversify?](https://www.pacificawealth.com/why-is-it-wise-to-diversify/) - We all want a terrific ROI, but risk management matters just as much in investing, perhaps more. There are two great reasons to diversify and invest wisely.
- [Your Taxes & The Fiscal Cliff Deal](https://www.pacificawealth.com/your-taxes-the-fiscal-cliff-deal/) - Now that the fiscal cliff deal assembled in Congress is becoming law, it is time to look at some of the tax law changes that will result.
- [Snapshot Investment Outlook - January 2013](https://www.pacificawealth.com/snapshot-investment-outlook-january-2013/) - Brief snapshot of 2012 performance and our investment, business, and economic outlook for 2013.
- [Important IRA Deadlines Are Approaching](https://www.pacificawealth.com/important-ira-deadlines-are-approaching/) - IRA deadline for your 2012 IRA contribution is April 15, 2013. For tax year 2012, you can contribute up to $5,000 to your Roth or traditional IRA.
- [Helping Loved Ones Transition to a Nursing Home Facility](https://www.pacificawealth.com/helping-loved-ones-transition-to-a-nursing-home-facility/) - When the time comes, what can you do to make loved ones make the transition to a nursing home facility?
- [Economic Update 01/14/2013](https://www.pacificawealth.com/economic-update-01142013/) - Economic Update 01/14/2013 - NEW YEAR, NEW LAWS AFFECTING YOU - Singles earning more than $200,000 and couples earning more than $250,000 will face a 3.8%
- [Limits for IRA Contributions Rise in 2013](https://www.pacificawealth.com/limits-for-ira-contributions-rise-in-2013/) - In 2013, you can contribute up to $5,500 to your Roth or traditional IRA. If you will be 50 in 2013, limits for IRA contributions rise to $6,500 this year.
- [2013 Charitable IRA Rollover Returns](https://www.pacificawealth.com/2013-charitable-ira-rollover-returns/) - Schools, hospitals and other non-profit organizations welcome the return of the charitable IRA rollover, an opportunity to help with a tax perk attached.
- [Robert's CBS Column: Make Money Without Investing in the Stock Market](https://www.pacificawealth.com/roberts-cbs-column-make-money-without-investing-in-the-stock-market/) - How would you like to make money without investing in the stock market? The greatest financial asset is not what you might think it is.
- [The Debt Ceiling Dilemma: Tensions Ease, But Contention Remains](https://www.pacificawealth.com/the-debt-ceiling-dilemma-tensions-ease-but-contention-remains/) - In late December, the U.S. technically reached its debt ceiling of approx. $16.4 trillion, with the federal government taking measures to avert a default.
- [Economic Update 01/28/13](https://www.pacificawealth.com/economic-update-012813/) - Economic Update 1/28/13: Homebuying Decreases in December -- Last month, existing home sales slumped 1.0% and new home sales tumbled 7.3%.
- [IRA Rollovers for Lump Sum Pension Payouts: Opportunity for Further Tax-Deferred Growth](https://www.pacificawealth.com/ira-rollovers-for-lump-sum-pension-payouts-opportunity-for-further-tax-deferred-growth/) - If you are taking a lump sum pension payout, what's the next step for that money? IRA Rollovers for a lump-sum pension payout can mean tax-deferred growth.
- [Roberts CBS Column: Starting a Business? Focus on Profits, Not Popularity](https://www.pacificawealth.com/roberts-cbs-column-starting-a-business-focus-on-profits-not-popularity/) - Starting a business? The best business ideas were those that were unique, thoroughly researched, and were focused on making money, not on popularity.
- [Building An Emergency Fund: How You Can Create a Financial Cushion for Stressful Times](https://www.pacificawealth.com/building-an-emergency-fund-how-you-can-create-a-financial-cushion-for-stressful-times/) - Building an emergency fund may be difficult; it may be inconvenient. That doesn’t make it any less of a priority.
- [Is Now the Right Time to Refinance?](https://www.pacificawealth.com/is-now-the-right-time-to-refinance/) - Is Now the Right Time to Refinance? While it might seem advantageous to lower your interest rate a few percentage points, consider these 3 questions.
- [What Happens to Bonds if Interest Rates Rise?](https://www.pacificawealth.com/what-happens-to-bonds-if-interest-rates-rise/) - The Federal Reserve has said that it will try to keep interest rates low, but this cannot stem the tide forever. What happens if bond interest rates rise?
- [Make a Will: The Importance of Estate Planning (And Not Just for the Rich)](https://www.pacificawealth.com/make-a-will-the-importance-of-estate-planning-and-not-just-for-the-rich/) - What is the importance of estate planning? If you don’t leave an estate plan, your family could face major legal issues and (possibly) bitter disputes.
- [Your Annual Financial Check-Up](https://www.pacificawealth.com/your-annual-financial-check-up/) - Why do I need an annual financial checkup? Because things change, and during the course of the last 12 months, your life and goals may have changed.
- [Economic Update 02/04/13](https://www.pacificawealth.com/907/) - Economic Update 02/04/13 - MORE HIRING ... AND YET, MORE UNEMPLOYMENT - In January, the jobless rate ticked up to 7.9%. The Labor Department countered that
- [Budgeting for Retirement](https://www.pacificawealth.com/budgeting-for-retirement/) - You can't withdraw an unlimited amount of money in retirement, so budgeting for retirement budget is a necessity. Don't forego a budget, forego regrets.
- [Robert's CBS Column: The Gender Gap in Financial Education](https://www.pacificawealth.com/roberts-cbs-column-the-gender-gap-in-financial-education/) - I've seen first hand the negative effects of financial complacency. Continue Reading Robert’s CBS Column: The Gender Gap in Financial Education.
- [Which Financial Documents Should You Be Keeping on File?](https://www.pacificawealth.com/which-financial-documents-should-you-be-keeping-on-file/) - Which financial documents should you be keeping on file? Here is a list of the important documents you should keep organized and on file at home.
- [Economic Update 02/11/2013](https://www.pacificawealth.com/economic-update-02112013/) - Economic Update 02/11/2013 - A SOLID EARNINGS SEASON - By Friday, nearly 70% of the firms in the S&P 500 had announced quarterly results – and so far
- [Economic Update 02/19/2013](https://www.pacificawealth.com/economic-update-02192013/) - Economic Update 02/19/2013 - RETAIL SALES RISE IN JANUARY - The increase was minimal – just 0.1% after the 0.5% advance in December – but still welcome in
- [How To Put Your Tax Refund to Work](https://www.pacificawealth.com/how-to-put-your-tax-refund-to-work/) - According to a TD Ameritrade poll, 47% of U.S. taxpayers expect a refund this year. Find out how to put your tax refund to work for you.
- [Common Deductions That Taxpayers Overlook](https://www.pacificawealth.com/common-deductions-that-taxpayers-overlook/) - Every year, taxpayers leave money on the table. They don’t mean to, but as a result of oversight, they miss some common deductions on federal income tax.
- [The Looming Sequester - March 1st is Approaching!](https://www.pacificawealth.com/the-looming-sequester-march-1st-is-approaching/) - If the sequester delivers a serious economic punch, it could deter the Fed from phasing out QE3 this year or tinkering with interest rates in 2014.
- [Economic Update 02/25/2013](https://www.pacificawealth.com/economic-update-02252013/) - Economic Update 02/25/2013 - HOME SALES RISE, HOUSING STARTS FALL - January brought a 0.4% improvement in existing home sales, even as the inventory
- [The Benefits of a Roth IRA](https://www.pacificawealth.com/the-benefits-of-a-roth-ira/) - The IRA that changed the whole retirement savings perspective: Since the Roth IRA was introduced its popularity soared. What are the benefits of a Roth IRA?
- [Social Security To Go Paperless March 1st](https://www.pacificawealth.com/social-security-to-go-paperless-march-1st/) - Social Security to go paperless March 1st. If you're one of 5 million seniors who get their benefits via check, what alternatives do you have in the future?
- [Retirement Plan Sponsors Can't Ignore Fiduciary Responsibility](https://www.pacificawealth.com/retirement-plan-sponsors-cant-ignore-fiduciary-responsibility/) - Do your employees have a company retirement plan? If they do, then you have a fiduciary responsibility to them. Ignoring it to any degree could cost you.
- [The Latest on Social Security: Here's What You Need to Know for 2013](https://www.pacificawealth.com/the-latest-on-social-security-heres-what-you-need-to-know-for-2013/) - Social Security benefits have increased 1.7%. This doesn’t come close to the 3.6% boost retirees got for 2012, but it does mark the second straight annual
- [Economic Update 03/04/13](https://www.pacificawealth.com/economic-update-030413/) - Economic Update 03/04/13 - DESPITE ANXIETIES, DOW STAYS ABOVE 14,000 - The DJIA settled at 14,089.66 Friday, gaining 0.64% on the week. The S&P 500
- [The Impact of ATRA on Retirement & Estate Planning](https://www.pacificawealth.com/the-impact-of-atra-on-retirement-estate-planning/) - The American Taxpayer Relief Act of 2012 (ATRA) brought major changes to federal tax law, and it profoundly impacted retirement and estate planning.
- [Economic Update 03/11/13](https://www.pacificawealth.com/economic-update-031113/) - Economic Update 03/11/13 - HIRING HAS REALLY PICKED UP - During June-August 2012, non-farm payrolls grew by an average of 135,000 jobs a month
- [What The Dow's Record High Really Means](https://www.pacificawealth.com/what-the-dows-record-high-really-means/) - Next stop, 15,000? As the Dow Jones Industrial Average settled at a new all-time high of 14,253.77 on March 5. What does the Dow's record high really mean?
- [What Will Your Life Look Like After Retirement?](https://www.pacificawealth.com/what-will-your-life-look-like-after-retirement/) - If you are like many baby boomers, your view of retirement is likely pragmatic compared to your parents. What will your life look like after retirement?
- [Economic Update 03/18/13](https://www.pacificawealth.com/economic-update-031813/) - Economic Update 03/18/13 - RETAILERS RECEIVE A MAJOR BOOST - Higher payroll taxes don’t seem to have hurt shopping or driving: the Commerce Department noted
- [Without a Weak Dollar Can Stocks Further Advance?](https://www.pacificawealth.com/without-a-weak-dollar-can-stocks-further-advance/) - What happened to the weak buck? In recent years, stock market gains have been associated with a weak dollar (among other factors).
- [Gauging the Impact of the Sequester](https://www.pacificawealth.com/gauging-the-impact-of-the-sequester/) - As there was no last-minute agreement between Congress and the White House to postpone federal budget cuts, we gauge the impact of the sequester.
- [Retirement Planning? 3 Shocking New Stats](https://www.pacificawealth.com/retirement-planning-3-shocking-new-stats/) - Are you planning for your retirement? You may be alone! A new report reveals three shocking numbers...
- [How the Middle Class Can Make a Difference for Charity](https://www.pacificawealth.com/how-the-middle-class-can-make-a-difference-for-charity/) - If you’re not yet a millionaire yet want to give, here's how you can make a difference for charity that may bring you immediate or future tax deductions.
- [How Your Brain Works: 12 Rules](https://www.pacificawealth.com/how-your-brain-works-12-rules/) - Decades of research has given us 12 insights into not only how our brains work, but simple things we can do to become better investors, remember more, and live better.
- [Estate Planning: What You Need to Know](https://www.pacificawealth.com/estate-planning-what-you-need-to-know/) - Estate planning is a task that people tend to put off, as any discussion of “the end” tends to be off-putting. Here are some estate planning tips.
- [Economic Update 03/25/13](https://www.pacificawealth.com/economic-update-032513/) - Economic Update 03/25/13 - WINTER DOESN’T DETER HOMEBUYERS - According to the National Association of Realtors, existing home sales rose 0.8% in February.
- [Still Need to File Your Taxes? Here's a Few Tips](https://www.pacificawealth.com/still-need-to-file-your-taxes-heres-a-few-tips/) - As April 15 gets closer, many Americans still haven’t filed their taxes. You may be one of them. Here are some things you may want to think about.
- [Make More Than $1 Million? You Won't Like This...](https://www.pacificawealth.com/income-more-than-1-million-in-2012-prepare-for-an-audit/) - Did you make more than $1 million in 2012? Prepare for an IRS audit. While the IRS said it examined just under 1% of all tax returns filed, the percentage
- [Mistakes Families Make with 529 College Savings Plans](https://www.pacificawealth.com/mistakes-families-make-with-529-college-savings-plans/) - Mistakes and major gaffes families often make with the distribution of 529 college saving plan assets.
- [Economic Update 04/02/13](https://www.pacificawealth.com/economic-update-040213/) - Economic Update 04/02/13 - SOLID GAINS IN HOUSEHOLD SPENDING, INCOME - According to the latest Commerce Department report, household spending was up 0.7%
- [Economic Update 04.08.13](https://www.pacificawealth.com/ecomonic-update-04-08-13/) - Economiic Update 04.08.13 - JUST 88,000 NEW JOBS? In the wake of the Labor Department’s disappointing March employment report, puzzled analysts tried
- [You Won't Believe This...](https://www.pacificawealth.com/you-wont-believe-this/)
- [A Painfully Honest Conversation (Video)](https://www.pacificawealth.com/a-painfully-honest-conversation-video/) - Fiduciary duty is one of the most important requirements when looking for a financial advisor. All advisors should put their client's interests first.
- [Audit Red Flags: What Raises Eyebrows at the IRS?](https://www.pacificawealth.com/audit-red-flags-what-raises-eyebrows-at-the-irs/) - Worried about being audited? The fear of audit red flags may be overblown – according to IRS data, only 1% of taxpayers had their returns examined in 2012.
- [Are You Investing Too Much in Company Stock?](https://www.pacificawealth.com/are-you-investing-too-much-in-company-stock/) - Are you investing too much in company stock? What percentage of your overall retirement portfolio should be invested in your employer's stock?
- [Economic Update 04/15/13](https://www.pacificawealth.com/economic-update-041513/) - Economic Update 04/15/13 - HOUSEHOLDS BOUGHT LESS LAST MONTH - Retail sales were down 0.4% in March, according to the Commerce Department. This dip...
- [Gold's Worst Day in 30 Years](https://www.pacificawealth.com/golds-worst-day-in-30-years/) - Suddenly, a bear market in gold. On April 12, the precious metal settled at $1,501.40 on the COMEX – diving 4.1% in a single trading day .
- [Long-Term Care Insurance: What You Need to Know](https://www.pacificawealth.com/long-term-care-insurance-what-you-need-to-know/) - As baby boomers leave their careers behind, long-term care insurance will become very important in their financial strategies, especially after age 50.
- [How Bonds & Interest Rates Affect Each Other](https://www.pacificawealth.com/how-bonds-interest-rates-affect-each-other/) - What will happen to bond investors when inflation and interest rates rise and bond market falls? Find out how bonds & interest rates affect each other.
- [Economic Update 04/22/13](https://www.pacificawealth.com/economic-update-042213/) - Economic Update 04/22/13 - INFLATION DECLINES - Consumer prices retreated 0.2% in March as fuel costs fell, a sea change from the 0.7% rise in the Consumer
- [What's the True Value of a College Degree?](https://www.pacificawealth.com/whats-the-true-value-of-a-college-degree/) - Do you need a college degree to succeed? The assumption that you do is long-entrenched. Yet the cost and debt linked to getting a degree are so significant
- [Reassessing Your Retirement Assumptions](https://www.pacificawealth.com/reassessing-your-retirement-assumptions/) - Is it time for you to be reassessing your retirement assumptions? Here are some commonly held assumptions – suppositions that you need to know now.
- [Minimize Probate When You Set Up Your Estate](https://www.pacificawealth.com/minimize-probate-when-you-set-up-your-estate/) - There are ways to minimize probate fees when you set up your estate. See how you can exempt more of your assets from probate and its costs.
- [Economic Update 05/06/13](https://www.pacificawealth.com/economic-update-050613/) - Economic Update 05/06/13 - UNEMPLOYMENT EDGES DOWN TO 7.5% - April brought a rebound in hiring. Employers added 165,000 jobs, and so the unemployment rate
- [Charitable IRA Gifts in 2013](https://www.pacificawealth.com/charitable-ira-gifts-in-2013/) - The IRS extends a major tax break. Thanks to the American Taxpayer Relief Act of 2012, charitable IRA gifts are once again allowed in 2013.
- [How Will The Fed Taper Off Its Bond Buying Program?](https://www.pacificawealth.com/how-will-the-fed-taper-off-its-bond-buying-program/) - In its May 1 policy announcement, the Federal Reserve reaffirmed its commitment to its current stimulus campaign, or QE3 – its monthly bond buying program.
- [Economic Update 05/13/13](https://www.pacificawealth.com/economic-update-051313/) - Economic Update 05/13/13 - HOW IS THIS EARNINGS SEASON TURNING OUT? - At the closing bell on May 10, 90% of S&P 500 firms had reported quarterly results
- [Economic Update 05/20/13](https://www.pacificawealth.com/ecomonic-update-052013/) - Economic Update 05/20/13 -- SUBDUED INFLATION IN APRIL: Consumer and producer prices retreated last month.
- [The Gift Tax Exclusion: Here's What You Need to Know](https://www.pacificawealth.com/the-gift-tax-exclusion-heres-what-you-need-to-know/) - Misconceptions surround this tax. The IRS sets annual and lifetime gift tax exclusion amounts, and this is where the confusion develops.
- [Filial Support Laws: Could You End Up Paying For Your Parents’ Nursing Home?](https://www.pacificawealth.com/filial-support-laws-could-you-end-up-paying-for-your-parents-nursing-home/) - A recent court ruling about filial support causes concern about nursing homes possibly forcing adult children to pay their parents’ long-term care bills.
- [Economic Update 05/28/13](https://www.pacificawealth.com/economic-update/) - Economic Update 05/28/13 - APRIL DATA AFFIRMS HOUSING REBOUND - Last month brought a 2.3% gain in new home sales and an 0.6% increase in existing home sales
- [Economic Update 06/03/2013](https://www.pacificawealth.com/economic-update-06032013/) - Economic Update 06/03/2013 - CONSUMERS UPBEAT IN MAY, SPEND LESS IN APRIL - Consumer spending slipped 0.2% in April, with a 4.4% drop in purchases of gas
- [How Will You Know When You Have Enough to Retire?](https://www.pacificawealth.com/how-will-you-know-when-you-have-enough-to-retire/) - You save for retirement with the expectation that at some point, you will have enough savings stop working. How do you know when you have enough to retire?
- [Economic Update 06/10/13](https://www.pacificawealth.com/ecomonic-update-061013/) - Economic Update 06/10/13 - A REASSURING JOBS REPORT - A jittery Wall Street liked the big picture it saw in the Labor Department’s May employment report.
- [Understanding the Markets: What the Acronyms Signify & What Affects Investors](https://www.pacificawealth.com/understanding-the-markets-what-the-acronyms-signify-what-affects-investors/) - Need help understanding the markets? Dow. NASDAQ. S&P 500. Fear index. NYSE. Commodity prices. Earnings. Economic indicators. Learn about investing.
- [Economic Update 06/17/13](https://www.pacificawealth.com/economic-update-061713/) - Economic Update 06/17/13 - IMF: FED SHOULD WAIT 6 MONTHS TO TAPER QE3 - On Friday, the International Monetary Fund called for the Federal Reserve to keep
- [Economic Update 06/24/13](https://www.pacificawealth.com/economic-update-062413/) - Economic Update 06/24/13 - FED OUTLINES END FOR STIMULUS, STOCKS SLIP - Last Wednesday, Federal Reserve Chairman Ben Bernanke shared the central bank’s
- [Where Did Inflation Go? With All This Bond Buying, Shouldn't It Be Rising?](https://www.pacificawealth.com/where-did-inflation-go-with-all-this-bond-buying-shouldnt-it-be-rising/) - What is keeping inflation in check? What factors are encouraging disinflation? When might inflation expectations change?
- [The Fed Shakes Up The Markets](https://www.pacificawealth.com/the-fed-shakes-up-the-markets/) - The Fed shakes up the markets - on 6/19, the Federal Reserve let investors know that “easing without end” will eventually end, perhaps as early as mid-2014.
- [Economic Update 07/01/13](https://www.pacificawealth.com/economic-update-070113/) - Economic Update 07/01/13 - CHECKING IN ON THE CONSUMER - According to the Commerce Department, consumer spending improved 0.3% in May as consumer incomes
- [Keep Calm & Carry On - It May Be Good For Your Retirement Portfolio](https://www.pacificawealth.com/keep-calm-carry-on-it-may-be-good-for-your-retirement-portfolio/) - When it comes to your retirement portfolio, there is value in thinking long-term. When you save for retirement, you are saving with a time horizon in mind.
- [Charitable Gifting: Could it Make the World a Better Place? Does It Make Sense Financially?](https://www.pacificawealth.com/charitable-gifting-could-it-make-the-world-a-better-place-does-it-make-sense-financially/) - Does charitable gifting make sens financially? Does it make the world a better place? Here is why a gift to charity might be your own financial gift.
- [Economic Update 07/08/13](https://www.pacificawealth.com/economic-update-070813/) - Economic Update 07/08/13 - AMERICA ADDS 195,000 JOBS IN JUNE - Payroll growth in June matched that of May, according to the Labor Department
- [What Does Marriage Equality Mean Financially?](https://www.pacificawealth.com/what-does-marriage-equality-mean-financially/) - What does marriage equality mean financially? Gay/lesbian couples can now access marriage-based federal benefits in 12 states that permit same-sex marriage.
- [What Constitutes a Successful Retirement?](https://www.pacificawealth.com/what-constitutes-a-successful-retirement/) - How do you know if your retirement is living up to its potential? Find out what constitutes a successful retirement and how different people define it.
- [Valuing Key Employee Insurance](https://www.pacificawealth.com/valuing-key-employee-insurance/) - Valuing key employee insurance - What kind of financial loss would your business face without its key employees? They are worth more than their salaries.
- [Economic Update 07/22/13](https://www.pacificawealth.com/economic-update-072213/) - Economic Update 07/22/13 - CONSUMER PRICES RISE 0.5% FOR JUNE - Gas prices soared 6.3% last month, and they contributed greatly to the jump in the Consumer
- [Economic Update 07/29/13](https://www.pacificawealth.com/economic-update-072913/) - Economic Update 07/29/13 - CONSUMER SENTIMENT CONTINUES TO RISE - In 12 months, the University of Michigan’s index of consumer sentiment has gained almost
- [Economic Update 08/05/13](https://www.pacificawealth.com/economic-update-080513/) - Economic Update 08/05/13 - JOBS REPORT SENDS MIXED SIGNALS - Unemployment sank to a 4½-year low of 7.4% last month, even as the pace of hiring declined
- [Pension Questions After Detroit's Bankruptcy](https://www.pacificawealth.com/pension-questions-after-detroits-bankruptcy/) - On July 18, Detroit became the largest American city to file for bankruptcy. What will happen to the pensions of its 20,000+ retired public employees?
- [Would Corporate Tax Cuts Promote Job Growth?](https://www.pacificawealth.com/would-corporate-tax-cuts-promote-job-growth/) - What if corporate tax cuts were lower? What would it mean for middle-class jobs? What kind of tax cuts would the small business community would like to see?
- [How Financial Planning Has Changed for Same-Sex Couples?](https://www.pacificawealth.com/how-has-financial-planning-has-changed-for-same-sex-couples/) - When the Supreme Court affirmed the legality of same-sex marriage in June, its ruling profoundly altered the financial planning landscape.
- [Understanding the Advantages of a 1031 Exchange](https://www.pacificawealth.com/understanding-the-advantages-of-a-1031-exchange/) - Real estate investors who want to defer capital gains have a neat option: they can take advantage of a 1031 exchange (Internal Revenue Code Section 1031).
- [Economic Update 08/12/13](https://www.pacificawealth.com/economic-update-081213/) - Economic update for 8/12/12 - IMPRESSIVE SERVICE SECTOR GROWTH Last month saw solid expansion in U.S. service industries, according to the July non-manufacturing
- [Economic Update 08/19/13](https://www.pacificawealth.com/economic-update-081913/) - Economic Update 08/19/13 - CONSUMER PRICES RISE 0.2% IN JULY - That was exactly the increase that analysts surveyed by Briefing.com expected, and it was a
- [The Implications of Rising Mortgage Rates](https://www.pacificawealth.com/the-implications-of-rising-mortgage-rates/) - Rising mortgage rates can cause things to get a bit tougher for home buyers, home sellers, home builders, many industries, and the broad economy.
- [What Does the Term "Out Spouse" Mean?](https://www.pacificawealth.com/what-does-term-out-spouse-mean/) - You may have heard the term "out spouse," but what does it mean? It's commonly used by divorce attorneys to describe the spouse that ...
- [Economic Update 08/26/13](https://www.pacificawealth.com/economic-update-082613/) - Get this week's economic update for 8/26/2013. Monday brings the July durable goods orders report from the Census Bureau.
- [Investing in BDCs: Greater Yield, Greater Risk](https://www.pacificawealth.com/investing-in-bdcs-greater-yield-greater-risk/) - An obscure investment option draws interest has garnered some buzz lately – investment in business development companies, or BDCs.
- [Financial Planning for Retirement](https://www.pacificawealth.com/financial-planning-for-retirement/) - Financial planning for retirement can blow up if you don't address these two misconceptions...
- [Debit vs. Credit](https://www.pacificawealth.com/debit-vs-credit/) - You’re about to purchase a pricy good or service and you don’t have your checkbook or enough cash on hand to do it. Should you pull out a debit card, or a credit card?
- [What's a Qualified Domestic Relations Order (QDRO)?](https://www.pacificawealth.com/whats-a-qualified-domestic-relations-order-qdro/) - A Qualified Domestic Relations Order -- commonly called a QDRO (pronounced "quad-row") is a court order most commonly used when a couple divorces.
- [Economic Update 09/03/13](https://www.pacificawealth.com/economic-update-090313/) - Economic Update, 9/3/13 - THIS WEEK: Monday is Labor Day; U.S. financial markets are closed. The August ISM manufacturing index comes out Tuesday, as well
- [Will the Crisis in Syria Shock the Markets?](https://www.pacificawealth.com/will-the-crisis-in-syria-shock-the-markets/) - U.S. military action in Syria appears imminent. Assuming it happens, what happens to the financial markets?
- [Make More out of a Health Savings Account](https://www.pacificawealth.com/make-more-out-of-a-health-savings-account/) - Too often, employees think of Health Savings Accounts (HSAs) as if they were simply deposit accounts. In reality, HSAs have much greater financial potential
- [Home Financing - What Happens When Fannie & Freddie Wind Down?](https://www.pacificawealth.com/home-financing-what-happens-when-fannie-freddie-wind-down/) - Is a new home financing system ahead? In the text of a speech delivered August 6, President Obama said: “I believe that while our housing system must have
- [Economic Update 09/09/13](https://www.pacificawealth.com/economic-update-090913/) - Economic update this week: On Monday, Congress returns from its summer recess to consider a strike on Syria; Hovnanian and Pep Boys present Q2 results.
- [Cash Flow Management: An Underappreciated Fundamental in Financial Planning](https://www.pacificawealth.com/cash-flow-management-an-underappreciated-fundamental-in-financial-planning/) - In what ways can a small business improve cash flow management? There are some fairly simple ways to do it, and your CFS can typically identify the factors
- [Financial Considerations for 2014: What Changes Should You Consider Making for Next Year?](https://www.pacificawealth.com/financial-considerations-for-2014-what-changes-should-you-consider-making-for-next-year/) - 2014 is really not too far away. Fall is the time of year when the financially savvy start to look for ways to reduce their taxes and make year-end moves
- [Economic Update 09/16/13](https://www.pacificawealth.com/economic-update-091613/) - Economic Update 09/16/13 - HOUSEHOLDS BUY CAUTIOUSLY - Retail sales rose an underwhelming 0.2% in August, the Commerce Department noted Friday.
- [Life Insurance: Are You Living Without It & Putting Your Loved Ones at Risk?](https://www.pacificawealth.com/life-insurance-are-you-living-without-it-putting-your-loved-ones-at-risk/) - Learn what you need to know about life insurance and how you can protect your family and loved ones.
- [401k Rollover Planning: 3 Smart Choices for 401(k) Rollovers](https://www.pacificawealth.com/401k-rollover-planning-3-smart-choices-for-401k-rollovers/) - Everyone knows they can do a 401k rollover into an IRA, but there are two more 401k rollover options that are often missed that can make sense.
- [Economic Update 09/23/13](https://www.pacificawealth.com/economic-update-092313/) - Economic Update 09/23/13 - NO TAPERING YET...BUT COULD IT HAPPEN SOON? The DJIA hit an all-time high Wednesday after the Federal Reserve decided not to
- [Health Care Reform: How to Get the Most From the New Provisions](https://www.pacificawealth.com/health-care-reform-how-to-get-the-most-from-the-new-provisions/) - Health care reform has many fans and many detractors. Amid all the sound and fury, the plain facts risk being blurred. So here is a look at the reforms
- [Retirement Planning: Should You Wait For Retirement?](https://www.pacificawealth.com/should-you-wait-for-retirement/) - Here is some good retirement planning advice that provides financial and emotional benefits...
- [14 Must Do Money Moves Before 2014](https://www.pacificawealth.com/14-must-do-money-moves-before-2014/) - Before the end of the year, here are 14 money moves you should consider making...
- [Estate Planning and Financial Planning for Women](https://www.pacificawealth.com/estate-planning-and-financial-planning-for-women/) - Estate and financial planning for women - Women often become guardians of family wealth. Many women outlive their spouses, and have the opportunity to
- [Understanding the Basics of the Government Shutdown](https://www.pacificawealth.com/understanding-the-basics-of-the-government-shutdown/) - As you have no doubt heard, the United States government shut down at midnight (Eastern) October 1, 2013. There are many questions and concerns about this
- [Required Minimum Distributions: Precautions & Options](https://www.pacificawealth.com/required-minimum-distributions-precautions-options/) - After you turn 70½, the IRS requires you to withdraw some of the money in most retirement savings accounts each year called Required Minimum Distributions.
- [What if the Debt Ceiling Shatters?](https://www.pacificawealth.com/what-if-the-debt-ceiling-shatters/) - America has never defaulted on its debt before; what would happen if the debt ceiling shatters? No one particularly wants to find out.
- [Financial Success for Women](https://www.pacificawealth.com/financial-success-for-women/) - Read enough about women and money online, and you will run across numbers indicating that women finish a distant second to men in saving and investing
- [Economic Update 10/07/13](https://www.pacificawealth.com/economic-update-100713/) - Economic Update 10/07/13 - Wall Street feels effects of shutdown - Even with the federal government mostly out of commission last week and a debt ceiling...
- [Legal, Ethical & Financial Responsibilities for Retirement Plan Sponsors](https://www.pacificawealth.com/legal-ethical-financial-responsibilities-for-retirement-plan-sponsors/) - When you offer a retirement plan to your workers, you take on major legal, ethical and financial responsibilities. If that scares you, you aren’t alone
- [Affluence Versus Wealth](https://www.pacificawealth.com/affluence-vs-wealth/) - Contrary to the bumper sticker, he who dies with the most toys does not necessarily win. Understand the difference between affluence versus wealth
- [Financial Planning For Women: How to Take Charge of Your Finances](https://www.pacificawealth.com/financial-planning-for-women-how-to-take-charge-of-your-finances/) - If you are a woman who does not participate in financial decision-making, then you need to read this article about financial planning for women.
- [Economic Update 10/14/13](https://www.pacificawealth.com/economic-update-101413/) - Economic Update 10/14/13 - HOPES FOR A DEBT DEAL EMERGE - After a Friday meeting with President Obama, GOP senators went to work on a bipartisan solution to
- [Janet Yellen: What You Need to Know](https://www.pacificawealth.com/janet-yellen-need-know/) - Janet Yellen – currently the vice chair of the Board of Governors of the Federal Reserve – has been nominated to succeed Ben Bernanke at the helm of the
- [Financial Planning For Women: Money Paralysis](https://www.pacificawealth.com/financial-planning-women-money-paralysis/) - A decision not made may have financial consequences. There is an old belief that women are more cautious about money than men..
- [The Impact of the 1995-96 Government Shutdown](https://www.pacificawealth.com/impact-1995-96-government-shutdown/) - In some ways, things weren’t that different. In late 1995, the economy had been expanding – similar to today. Stocks were on a tear..
- [Medicare Open Enrollment: What You Need to Know for 2014](https://www.pacificawealth.com/medicare-open-enrollment-need-know-2014/) - Medicare Open Enrollment has arrived. The open enrollment period for 2014 runs from October 15-December 7, 2013.
- [Retirement Planning for Women: A Practical Financial Checklist for the Future](https://www.pacificawealth.com/retirement-planning-women-practical-financial-checklist-future/) - Retirement planning for women - How do you begin? How do you draw retirement income off of what you’ve saved, and how could you create other income streams?
- [The Debt Deal - A Short-Term Fix Is Better Than Nothing!](https://www.pacificawealth.com/debt-deal-short-term-fix-better-nothing/) - A bipartisan deal emerges from the Senate. After weeks of contention, a bill to reopen the bulk of the federal government and avert an unprecedented
- [The End of the Government Shutdown](https://www.pacificawealth.com/end-government-shutdown/) - Senate Minority Leader Mitch McConnell (R-KY) told the conservative National Review that “a government shutdown is off the table” this winter.
- [Dividend Reinvestment and Compound Interest](https://www.pacificawealth.com/dividend-reinvestment-compound-interest/) - Why reroute dividends back into your investments? Isn’t taking the income the preferred outcome when a dividend is produced?
- [What's Next in the Debt Ceiling Debate? The Clock is Ticking](https://www.pacificawealth.com/whats-next-debt-ceiling-debate-clock-ticking/) - In January, will the federal government be shuttered again? At first thought, it seems inconceivable that Congress would want to go through another fight
- [Economic Update 10/28/13](https://www.pacificawealth.com/economic-update-102813/) - Economic Update 10/28/13 - According to the Labor Department, the economy added 148,000 jobs in September. The jobless rate dipped to 7.2%, but job creation
- [MLPs: What You Need to Know](https://www.pacificawealth.com/mlps-need-know/) - Many investors have never heard of MLPs. Others have, but assume they are complex and esoteric. In reality, investing in MLPs isn’t that mysterious.
- [Retirement Planning: How to Plan your Retirement](https://www.pacificawealth.com/retirement-planning-plan-retirement/) - Before retirement begins, gather what you need. Put as much documentation as you can in one place, for you and those you love.
- [Retirement Plan Contribution Limits 2014](https://www.pacificawealth.com/retirement-plan-contribution-limits-2014/) - The IRS has made minor adjustments to retirement plan contribution limits for 2014. As inflation has been tame in 2013, these COLAs aren’t dramatic
- [Economic Update 11/11/13](https://www.pacificawealth.com/economic-update-111113/) - Economic Update 11/11/13 - SHUTDOWN DOESN’T DETER HIRING - The Labor Department’s delayed October employment report showed the economy adding jobs
- [6 Things You Need To Know About Social Security in 2014](https://www.pacificawealth.com/6-things-need-know-social-security-2014/) - Here are 6 things you need to know about Social Security in 2014. For clarity’s sake, here is a rundown of what is changing next year, and what isn’t.
- [Philippines Typhoon: Donate Now](https://www.pacificawealth.com/philippines-typhoon-donate-now/) - Philippines Donate: You can help a small village recover from the destruction of Typhoon Haiyan. Here's how you can help...
- [Economic Update 11/18/13](https://www.pacificawealth.com/economic-update-111813/) - Economic Update 11/18/13 - YELLEN EMPHASIZES FURTHER EASING - While conceding that the Federal Reserve’s current stimulus effort...
- [Temporary Tax Breaks Set to Expire in 2014](https://www.pacificawealth.com/temporary-tax-breaks-set-expire-2014/) - Some notable temporary tax breaks that may go away next year – offering some opportunities that you may want to take advantage of this year.
- [Keep Contributing To Your SIMPLE IRA](https://www.pacificawealth.com/keep-contributing-simple-ira/) - Don’t stop saving for retirement. If you stop contributing to your SIMPLE IRA for a while, you could end up shortchanging your retirement savings potential.
- [Retirement Planning: It’s Never Too Late!](https://www.pacificawealth.com/retirement-planning-never-late/) - If you need to play catch-up, here are some retirement planning and savings principles to keep in mind. First of all, keep a positive outlook.
- [Economic Update 12/02/13](https://www.pacificawealth.com/economic-update-120213/) - Economic Update 12/02/13 - CONFIDENCE INDEX FALLS, SENTIMENT INDEX RISES - Two respected barometers of consumer mood went different ways in Nov
- [Investing Advice - Keep It Simple, Stupid](https://www.pacificawealth.com/investing-advice-keep-simple-stupid/) - Investing Advice: How simple are your investments? Shouldn’t they be transparent and liquid? Few individual investors need non-traded / illiquid investments
- [6 Things to Know About Social Security in 2014](https://www.pacificawealth.com/6-things-know-social-security-2014/) - Here are six things you need to know about Social Security in 2014. For clarity’s sake, here is a rundown of what is changing next year, and what isn’t.
- [Economic Update 12/09/13](https://www.pacificawealth.com/economic-update-120913/) - Economic Update 12/09/13 - GOOD NEWS ON MAIN STREET - Unemployment declined to a 5-year low of 7.0% in November, according to the Labor Department
- [Your Financial Advisor: The Co-Pilot for Your Investments & Finances](https://www.pacificawealth.com/financial-advisor-co-pilot-investments-finances/) - A trusted relationship with a financial advisor can be vital. Here's why your financial advisor is the co-pilot for your investments & finances.
- [Economic Update 12/16/13](https://www.pacificawealth.com/ecomomic-update-121613/) - Economic Update 12/16/13 - “MINI-BARGAIN” PASSES HOUSE, HEADS FOR SENATE - Last week, the congressional budget committee headed by Rep. Paul Ryan (R-WI)
- [Tax Perks of Year-End Charitable Contributions](https://www.pacificawealth.com/tax-perks-year-end-charitable-contributions/) - An opportunity for you to give & save. As 2013 ends, you may be considering making one or more charitable contributions. In most instances, they
- [The Federal Reserve Finally Tapers](https://www.pacificawealth.com/federal-reserve-finally-tapers/) - December 18 turned out to be T-Day: the day on which the Federal Reserve finally tapered QE3. In making the move, the Fed acknowledged an improving economy
- [Economic Update 12/23/13](https://www.pacificawealth.com/economic-update-122313/) - Economic Update 12/23/13 - FED MAKES ITS MOVE, STOCKS MOVE NORTH - In a 9-1 vote last Wednesday, Federal Reserve officials elected to taper the central
- [Economic Update 12/30/13](https://www.pacificawealth.com/economic-update-123013/) - Economic Update - 12/30/13 - Good news from the Commerce Department: November brought a healthy 0.5% gain in personal spending (matching the consensus...
- [Economic Update 01/06/14](https://www.pacificawealth.com/economic-update-010614/) - Economic Update 01/06/14 -- A MAJOR GAIN FOR A CONSUMER CONFIDENCE INDEX: The Conference Board’s monthly gauge of consumer confidence came in at 78.1 for Dec.
- [How Will Rising Interest Rates Impact Bonds?](https://www.pacificawealth.com/will-rising-interest-rates-impact-bonds/) - This might not surprise you: 2013 is going in the books as the worst year bond funds have ever seen.
- [2013 in Review: How Good a Year Was It for the Economy?](https://www.pacificawealth.com/2013-review-good-year-economy/) - Was 2013 a terrific year for stocks? Absolutely. The good news wasn’t limited to Wall Street.
- [Economic Update 01/13/14](https://www.pacificawealth.com/economic-update-011314/) - Economic Update 01/13/14 -- INTERPRETING A PERPLEXING JOBS REPORT: Why did the economy generate only 74,000 new jobs last month?
- [IRA Deadlines for 2014](https://www.pacificawealth.com/ira-deadlines-2014/) - Financially, many of us associate April with taxes – but we should also associate April with important IRA deadlines.
- [Economic Update 01/21/14](https://www.pacificawealth.com/economic-update-012114/) - Economic Update 01/21/14 -- INFLATION RISES IN DECEMBER: Labor Department reports showed the Consumer Price Index up 0.3% last month
- [Economic Update 01/27/14](https://www.pacificawealth.com/economic-update-012714/) - Economic Update 01/27/14 -- MORE HOMES MOVE IN DECEMBER: Last month saw a 1.0% gain in existing home sales, a nice change for this key economic indicator.
- [Unit Investment Trusts: Examining the Potential of Defined Portfolios](https://www.pacificawealth.com/unit-investment-trusts-examining-potential-defined-portfolios/) - People invest in mutual funds and exchange-traded funds all the time, but unit investment trusts remain comparatively underappreciated and unrecognized
- [Economic Update 02/04/14](https://www.pacificawealth.com/economic-update-020414/) - Economic Update 02/04/14 -- CONSUMER MORALE, CONSUMER SPENDING IMPROVE: The Commerce Department announced that consumer spending rose 0.4% in December.
- [The MyRA, the USARF and Cash Balance Plans](https://www.pacificawealth.com/myra-usarf-cash-balance-plans/) - There is no perfect retirement savings plan, and there probably never will be – but ideas are emerging to address these problems, such as cash balance plans
- [Economic Update 02/10/14](https://www.pacificawealth.com/economic-update-021014/) - Economic Update 02/10/14 -- WAS IT THE WEATHER, OR THE ECONOMY? For a second straight month, hiring was weak. Employers added 113,000 jobs in January.
- [5 Steps to Modify a Lease](https://www.pacificawealth.com/5-steps-modify-lease/) - Follow these five steps to best ensure property management understands and accepts potential lease alterations.
- [Tax Tips for your 2013 Taxes](https://www.pacificawealth.com/tax-tips-2013-taxes/)
- [Understanding Tax Efficiency](https://www.pacificawealth.com/understanding-tax-efficiency/) - When you read about investing and other financial topics, you occasionally see the phrase “tax efficiency." What does that really mean?
- [Reduce Your Taxes in Retirement with Asset Location](https://www.pacificawealth.com/reduce-taxes-retirement-asset-location/) - Asset Location, location, location ... It matters when it comes to real estate & also when it comes to the way you hold and invest your retirement savings.
- [Should You Retire at 65?](https://www.pacificawealth.com/retire-65/) - Isn’t 65 the traditional age to retire? Perhaps, but baby boomers are modifying the definition of a traditional retirement (if not redefining it altogether)
- [Early Planning is Key for Inheritance Transfer](https://www.pacificawealth.com/early-planning-key-inheritance-transfer/)
- [Economic Update 02/24/14](https://www.pacificawealth.com/economic-update-022414/) - Economic Update 2/24/15: More Mild Inflation -- Consumer prices ticked up 0.1% for January while wholesale prices rose 0.2%. Analysts polled by MarketWatch
- [What Is a Gavron Warning?](https://www.pacificawealth.com/gavron-warning/) - Just what is a "Gavron Warning"?
- [Should You Apply For Social Security Now ... or Later?](https://www.pacificawealth.com/apply-social-security-now-later/) - Now or later? When it comes to the question of Social Security income, the choice looms large. Should you apply now to get earlier payments?
- [Dynamic Asset Allocation](https://www.pacificawealth.com/dynamic-asset-allocation/) - Hang on when turbulence affects the markets. Sticking with principles of diversification and dynamic asset allocation can prove wise in challenging markets.
- [Economic Update 03/10/14](https://www.pacificawealth.com/economic-update-031014/) - Economic Update 3/10/14: Economy Adds 175,000 More Jobs -- February’s payroll growth was decent, and seemingly unimpeded by the weather.
- [Charitable Remainder Trusts: What You Need to Know](https://www.pacificawealth.com/charitable-remainder-trusts-need-know/) - A charitable remainder trust may help you face several financial issues in retirement
- [Not Saving Enough? Here’s Why](https://www.pacificawealth.com/saving-enough-heres/)
- [Economic Update 03/17/14](https://www.pacificawealth.com/economic-update-031714/) - Economic Update 3/17/14: Retail Sales Up 0.3% in February -- Weather didn’t stop Americans from shopping last month. February’s headline gain in retail sale
- [IRA Required Minimum Distributions (RMD) Precautions](https://www.pacificawealth.com/ira-required-minimum-distributions-rmd-precautions/) - After you turn 70½, the IRS requires you to take Required Minimum Distributions (RMDs) from your retirement savings accounts. Learn more.
- [How Much Can You Withdraw For Retirement?](https://www.pacificawealth.com/much-can-withdraw-retirement/)
- [How to Stop Identity Theft](https://www.pacificawealth.com/stop-identity-theft/)
- [Will the Fed Raise Interest Rates Earlier Than Expected?](https://www.pacificawealth.com/will-fed-raise-interest-rates-earlier-expected/)
- [Economic Update 03/24/14](https://www.pacificawealth.com/economic-update-032414/) - Economic Update 3/24/14: Fed Tapers, Changes Criteria for a Rate Hike -- Last week, the Federal Reserve disclosed another $10 billion cut for QE3 in April
- [Economic Update 03/31/14](https://www.pacificawealth.com/economic-update-033114/) - Economic Update 3/31/14: A Sense of Optimism on Main Street -- The Conference Board’s consumer confidence index reached a six-year peak this month
- [Quoted in the BBC on Human Capital - The Financial Risk You Don't Know You're Taking](https://www.pacificawealth.com/quoted-bbc-human-capital-financial-risk-dont-know-youre-taking/) - Human Capital - What you need to know as an investor...
- [Economic Update 04/07/14](https://www.pacificawealth.com/economic-update-040714/) - Economic Update 4/7/14: Payrolls Expand By 192,000 in March -- This gain almost met Wall Street's Expectations. Economists surveyed by Bloomberg had forecast
- [What is High-Frequency Trading?](https://www.pacificawealth.com/high-frequency-trading/) - Is Wall Street out of control with high-frequency trading? Economists are abuzz over "Flash Boys: A Wall Street Revolt," the new book from Michael Lewis
- [Economic Update 04/14/14](https://www.pacificawealth.com/economic-update-041414/) - Economic Update 4/14/14: Household Sentiment Reaches 9-Month Peak -- The University of Michigan’s index of consumer sentiment rose 2.6 points in its April
- [Section 105 Plans: How to Save Taxes if You Own a Microbusiness](https://www.pacificawealth.com/section-105-plans-save-taxes-microbusiness/)
- [Are You Vulnerable to the Heartbleed Threat?](https://www.pacificawealth.com/vulnerable-heartbleed-threat/)
- [Economic Update 04/21/14](https://www.pacificawealth.com/economic-update-042114/) - Economic Update 04/21/14: Consumer Prices Advance 0.2% -- In reviewing March’s mild increase in household inflation, two statistics stand out
- [When Was the Last Time You Reviewed Your Life Insurance Coverage?](https://www.pacificawealth.com/last-time-reviewed-life-insurance-coverage/)
- [Economic Update 04/28/14](https://www.pacificawealth.com/economic-update-042814/)
- ["Age of Oversupply" Book Review](https://www.pacificawealth.com/age-oversupply-book/) - Age of Oversupply book review.
- [How to Handle Student Loan Debt](https://www.pacificawealth.com/handle-student-loan-debt/) - Is student loan debt holding our economy back? Certainly America has recovered from the last recession, but this is an interesting question nonetheless.
- [Managing Investing Risk](https://www.pacificawealth.com/managing-investing-risk/) - If you want significant reward, you will have to assume some investing risk. Anyone investing in securities – particularly stocks and funds – must accept that reality.
- [6 Steps for Getting Out of Debt](https://www.pacificawealth.com/6-steps-getting-debt/) - What are some ideas for getting out of debt?
- [Economic Update 05/12/14](https://www.pacificawealth.com/economic-update-051214/)
- [Do Your Investments Match Your Tolerance for Risk?](https://www.pacificawealth.com/investments-match-tolerance-risk/)
- [Selling Your Business? Do This First](https://www.pacificawealth.com/selling-business-first/)
- [Economic Update 05/19/14](https://www.pacificawealth.com/economic-update-051914/)
- [Rethinking the Prenup](https://www.pacificawealth.com/rethinking-prenup/) - A prenup is expensive and often reserved for celebrities and the wealthy, but what about the rest of us? Here's an idea for a prenup for the rest of us...
- [Trust Protector: The Guardian Angel of Your Trust](https://www.pacificawealth.com/trust-protector-guardian-angel-trust/) - A trust protector acts like a "guardian angel" for your trust assets. Learn how a trust protector can safeguard your assets.
- [Economic Update 06/02/2014](https://www.pacificawealth.com/economic-update-06022014/) - Economic Update 06/02/2014: How Optimistic Are Consumers? -- The Conference Board’s consumer confidence index rose 1.3 points to 83.0.
- [Tax & Financial Concerns for Same-Sex Couples](https://www.pacificawealth.com/tax-financial-concerns-sex-couples/) - A year after the Supreme Court’s landmark decision in U.S. v. Windsor, financial options have definitely improved for same-sex couples...
- [Common Investing Mistakes](https://www.pacificawealth.com/common-investing-mistakes/) - Year after year, in bull and bear markets, common investing mistakes are made. What can you do to prevent such errors?
- [Economic Update 6/09/14](https://www.pacificawealth.com/economic-update-60914/) - Economic Update 6/09/14: Hiring Corresponds to Expectations -- Employers added 217,000 new jobs in May, just 1,000 less than analysts polled had forecast.
- [Economic Update 06/16/14](https://www.pacificawealth.com/economic-update-061614/) - Economic Update 6/6/14: Unrest in Iraq Sends Oil Toward $107 -- NYMEX crude settled at $106.91 Friday, up 4.1% for the week in reaction to ISIS movement
- [Donating Appreciated Stock to Charity](https://www.pacificawealth.com/donating-appreciated-stock-charity/) - Donating appreciated stock to a tax-exempt charity can result in a pair of tax breaks. If you've held the stock for over a year, you can deduct fair market
- [Economic Update 06/23/14](https://www.pacificawealth.com/economic-update-062314/) - Economic Update 06/23/14: Inflation Picks Up -- The Consumer Price Index increased 0.4% in May – the biggest monthly rise in over a year.
- [How Will the Growing National Debt Affect the Economy?](https://www.pacificawealth.com/will-growing-national-debt-affect-economy/) - In 1835, something financially remarkable happened: the federal government paid off the national debt. It hasn’t happened since. Through myriad presidential
- [Economic Update 06/30/14](https://www.pacificawealth.com/economic-update-063014/) - Economic Update 6/30/14: A Little More Confidence in the Economy -- The Conference Board’s consumer confidence index rose 3.0 points for June to 85.2
- [How to Stop Falling Into Crippling Spending Habits](https://www.pacificawealth.com/stop-falling-crippling-spending-habits/) - Some people fall into crippling spending habits and injure their finances as a consequence.
- [Economic Update 07/14/14](https://www.pacificawealth.com/economic-update-071414/) - U.S. budget deficit down in this week's economic update and more
- [What Will Happen Once QE3 Ends?](https://www.pacificawealth.com/will-happen-qe3-ends/) - The Federal Reserve plans to wrap up QE3 this fall. Barring economic turbulence, the central bank’s ongoing stimulus effort will conclude on schedule...
- [Economic Update 07/07/14](https://www.pacificawealth.com/economic-update-070714/) - Economic Update 07/07/14: Dow Tops 17,000 After Terrific Jobs Report -- America’s jobless rate is fast approaching the Federal Reserve’s 6% target.
- [FATCA: What It Is & How It Affects Investors](https://www.pacificawealth.com/fatca-affects-investors/) - The federal government implements new rules to fight tax dodgers. As of July 1, 2014, the Foreign Account Tax Compliance Act (FATCA) is in effect...
- [Economic Update 07/21/14](https://www.pacificawealth.com/economic-update-072114/) - Stocks advance and more in this week's economic update
- [Economic Update 07/28/14](https://www.pacificawealth.com/economic-update-072814/) - Yearly inflation at 2.1% and more in this week's economic update
- [What's a Personal Tax Inversion?](https://www.pacificawealth.com/whats-personal-tax-inversion/) - A personal tax inversion is a strategy to help you minimize or avoid paying state income tax through the use of a DING or NING.
- [Is It Time to Consider Changing Jobs?](https://www.pacificawealth.com/time-consider-changing-jobs/)
- [Economic Update 08/11/14](https://www.pacificawealth.com/economic-update-081114/)
- [Economic Update 08/18/14](https://www.pacificawealth.com/economic-update-081814/) - Retail sales cool off in July and more in this week's economic update.
- [Ecomonic Update 08/25/14](https://www.pacificawealth.com/ecomonic-update-082514/) - S&P 500 edges back towards record territory and more in this week's economic update.
- [Economic Update 09/02/14](https://www.pacificawealth.com/economic-update-090214/)
- [Why Clients Want An Independent Financial Advisor](https://www.pacificawealth.com/clients-want-independent-financial-advisor/) - People don’t want financial advice from a salesman. They want a relationship with a independent financial advisor who is candid, trustworthy & educated.
- [6 Signs That Your Finances Are In Good Shape](https://www.pacificawealth.com/6-signs-finances-good-shape/)
- [What Does "Effective Tax Rate" Mean?](https://www.pacificawealth.com/effective-tax-rate-mean/) - Find out what the term "effective tax rate" means for lenders and borrowers.
- [Why Women Are Great With Money](https://www.pacificawealth.com/women-great-money/) - Why do we cling to the myth that women don’t understand money as well as men?
- [What is an Irrevocable Life Insurance Trust (ILIT) & Why You May Need One](https://www.pacificawealth.com/irrevocable-life-insurance-trust-ilit-may-need-one/) - What does an irrevocable life insurance trust do? It enables you and your family to do three things in particular.
- [Women & Money: Shifting the Focus from the Short-Term to the Long-Term](https://www.pacificawealth.com/women-money-shifting-focus-short-term-long-term/)
- [The Basics of Life Insurance](https://www.pacificawealth.com/basics-life-insurance/) - Learn about the basics of life insurance.
- [What is Mortgage Term Life Insurance?](https://www.pacificawealth.com/mortgage-term-insurance/) - No one wants to burden their heirs with the hard choice of paying off an unsettled mortgage or losing a home. A mortgage term life insurance policy can help!
- [What You Need to Know About Fixed Indexed Annuities](https://www.pacificawealth.com/need-know-fixed-income-annuities/) - Fixed indexed annuities can be very useful investments, as they can bring conservative investors very nice returns.
- [Why Life Insurance at a Young Age May Be a Good Idea](https://www.pacificawealth.com/life-insurance-young-age-may-good-idea/) - You may have read that you don’t need to buy life insurance early in life. That’s not necessarily true.
- [Economic Update 10/01/14](https://www.pacificawealth.com/economic-update-100114/)
- [Understanding Risk Tolerance](https://www.pacificawealth.com/understanding-risk-tolerance/) - How’s your ability to withstand short-term losses? What life factors can shape your risk tolerance?
- [Should You Buy the Stock Market Dips?](https://www.pacificawealth.com/buy-stock-market-dips/)
- [Financial Planning For 2015... Today](https://www.pacificawealth.com/financial-planning-2015-today/) - Financial Planning For 2015 - The end of the year is less than 3 months away.
- [Economic Update 10/06/14](https://www.pacificawealth.com/economic-update-100614/) - Jobless rate declines to 5.9% in this week's economic update and more
- [Economic Update 10/15/14](https://www.pacificawealth.com/economic-update-101514/) - When will the market calm down? More in this week's economic update
- [Economic Update 10/22/14](https://www.pacificawealth.com/economic-update-102214/) - Consumer sentiment -- a pleasant surprise -- in this week's economic update
- [Economic Update 10.30.14](https://www.pacificawealth.com/economic-update-10-30-14/) - Gains in new & existing home sales and more in this week's economic update
- [Economic Update 11/03/14](https://www.pacificawealth.com/economic-update-110314/) - Personal spending declines in this week's economic update and more
- [Economic Update 11/11/14](https://www.pacificawealth.com/economic-update-111114/) - Unemployment down in this week's economic update
- [Why You Should Consider a Health Savings Account (HSA)](https://www.pacificawealth.com/consider-health-savings-account-hsa/)
- [Financial Planning for Women](https://www.pacificawealth.com/financial-planning-women-2/) - Financial Planning for Women
- [Economic Update 11/17/14](https://www.pacificawealth.com/economic-update-111714/) - Retail sales rebound from September slump and more in this week's economic update.
- [Marriage Money Tips](https://www.pacificawealth.com/marriage-money-tips/)
- [Economic Update 12/01/14](https://www.pacificawealth.com/economic-update-120114/) - Housing market continues to normalize and more in this week's economic update.
- [Year End Money Tips to Consider](https://www.pacificawealth.com/year-end-money-tips-consider/) - The end of the year is a good time to save some taxes & build more wealth. Get started with these year end money tips.
- [Economic Update 12/08/14](https://www.pacificawealth.com/economic-update-120814/) - Economy adds 321,000 jobs in this week's economic update and more
- [Economic Update 12/15/14](https://www.pacificawealth.com/economic-update-121514/) - Americans buy more in this week's economic update.
- [Tax Update 12/17/2014](https://www.pacificawealth.com/tax-update-12172014/) - On December 16, the Senate brought to an end this year's tax extenders drama, passing a bill that extends all but a few tax provisions that expired at the end of 2013 through the end the current year. The President is expected to sign the Tax Increase Prevention Act of 2014 (TIPA) into law later this week.
- [Economic Update 12/23/14](https://www.pacificawealth.com/economic-update-122314/) - Lower prices for the holidays and more in this week's economic update.
- [Major Tax Breaks Retroactively Reinstated](https://www.pacificawealth.com/key-tax-breaks-retroactively-reinstated/) - If you hurry, you might realize some major tax breaks before 2014 runs out.
- [Economic Update 12/29/14](https://www.pacificawealth.com/economic-update-122914/)
- [Getting Ready for 2014 Taxes](https://www.pacificawealth.com/getting-ready-2014-taxes/)
- [Economic Update 01/05/15](https://www.pacificawealth.com/economic-update-010515/)
- [How to Manage Your Cash Flow](https://www.pacificawealth.com/manage-cash-flow/)
- [Discover Your Financial Health Score](https://www.pacificawealth.com/discover-financial-health-score/)
- [Economic Update 01/12/15](https://www.pacificawealth.com/weekly-economic-update-011215/)
- [4 Money Mistakes That Can Make You Poorer](https://www.pacificawealth.com/4-money-mistakes-can-make-poorer/) - These are common money mistakes you may be making that could make you poorer.
- [Tax Tips: Avoid These Common 1040 Tax Return Mistakes](https://www.pacificawealth.com/tax-tips-avoid-common-1040-tax-return-mistakes/) - No one wants to delay their federal tax refund. It's worth noting some of the common 1040 tax return mistakes to get your money sooner.
- [Economic Update 01/26/15](https://www.pacificawealth.com/economic-update-012615/) - A rise in home buying and more in this week's economic update
- [Economic Update 02/02/15](https://www.pacificawealth.com/economic-update-020215/)
- [Economic Update 02/23/15](https://www.pacificawealth.com/economic-update-022315/)
- [Economic Update 03/02/15](https://www.pacificawealth.com/weekly-economic-update-030215/)
- [Economic Update 04/14/15](https://www.pacificawealth.com/economic-update-041415/) - Economic Update 04/14/15 - SERVICE SECTOR CONTINUES TO EXPAND: At 56.5, the Institute for Supply Management’s March non-manufacturing index came in .4 below
- [Economic Update 04/21/15](https://www.pacificawealth.com/economic-update-042115/) - Economic Update 04/21/15 - MODERATE INFLATION RESUMES: The Consumer Price Index rose 0.2% for a second consecutive month in March
- [What To Do With Your Tax Refund](https://www.pacificawealth.com/tax-refund/) - Should your tax refund be spent? In 2014, more than 109 million tax filers received federal tax refunds, with the average refund at $2,792.
- [Economic Update 04/27/15](https://www.pacificawealth.com/economic-update-042715/) - Economic Update 04/27/15 - NEW HOME SALES DROP, RESALES CLIMB: March brought a 6.1% advance for existing home sales.
- [Economic Update 05/04/15](https://www.pacificawealth.com/economic-update-050415/) - Economic Update 05/04/15 - PERSONAL SPENDING IMPROVES, Q1 GDP POOR: Consumer spending rose 0.4% in March; that doubled the February advance.
- [Risks to Family Wealth](https://www.pacificawealth.com/risks-family-wealth/) - All too often, family wealth fails to last. One generation builds a business, and it is lost in ensuing decades. Why does it happen, again and again?
- [What You Need To Know About Bonds And Interest Rates](https://www.pacificawealth.com/need-know-bonds-interest-rates/) - Here's what you need to know about bonds and interest rates.
- [Smart Financial Moves for Any Age (Your 20s, 30s, 40s & 50s)](https://www.pacificawealth.com/smart-financial-moves-for-any-age-your-20s-30s-40s-50s/)
- [The Benefits of Dollar Cost Averaging](https://www.pacificawealth.com/the-benefits-of-dollar-cost-averaging/)
- [Should You File Jointly or Single?](https://www.pacificawealth.com/should-you-file-jointly-or-single/)
- [Ways To Make Investment Decisions](https://www.pacificawealth.com/ways-to-make-investment-decisions/)
- [What Is An IRA Charitable Rollover?](https://www.pacificawealth.com/what-is-an-ira-charitable-rollover/)
- [Economic Update 02/08/16](https://www.pacificawealth.com/economic-update-020816/)
- [Do You Need Life Insurance?](https://www.pacificawealth.com/need-life-insurance/) - A 2014 report from insurance industry analyst LIMRA found that only a third of Gen Y Americans have any life insurance coverage.
- [Economic Update 05/11/15](https://www.pacificawealth.com/economic-update-051115/) - Economic Update 05/11/15 - HIRING REBOUNDS IN APRIL: Employers added 223,000 new jobs last month, the Labor Department noted Friday.
- [What is a Special Needs Trust?](https://www.pacificawealth.com/special-needs-trust/)
- [Economic Update 05/18/15](https://www.pacificawealth.com/economic-update-051815/) - Economic Update 05/18/15 - RETAIL SALES WERE FLAT IN APRIL: Analysts surveyed by MarketWatch had forecast only a 0.1% advance, so this news was no shock.
- [Why You Should Use A Registered Investment Advisor (RIA)](https://www.pacificawealth.com/use-registered-investment-advisor-ria/) - In recent years, more and more high net worth households have turned to a registered investment advisor to manage significant wealth.
- [Economic Update 08/03/15](https://www.pacificawealth.com/economic-update-080315/) - Economic Update 08/03/15 - CONSUMER CONFIDENCE DIPS WITH STOCK DECLINES: July brought an 8.9-point drop for the Conference Board’s consumer confidence index
- [Economic Update 08/10/15](https://www.pacificawealth.com/economic-update-081015/) - Economic Update 08/10/15 -- A GREEN LIGHT FOR A RATE HIKE? Employers hired 215,000 new workers in July. 77,000 were in professional, business, edu & health.
- [Economic Update 08/17/15](https://www.pacificawealth.com/economic-update-081715/) - Economic Update 08/17/15 -- SHOPPERS SPEND MORE IN JULY: Retail sales rose 0.6% last month according to Commerce Department data.
- [Worried About a Tax Audit? Here are the IRS Audit Red Flags](https://www.pacificawealth.com/worried-tax-audit-irs-audit-red-flags/) - Are you worried about a tax audit? The fear may be overblown as only 0.86% of taxpayers had their federal returns examined in 2014.
- [Good Warren Buffett Quote](https://www.pacificawealth.com/good-warren-buffett-quote/) - Good reminder about market volatility from Warren Buffett.
- [Economic Update 09/08/15](https://www.pacificawealth.com/economic-update-090815/)
- [Should You Invest Yourself?](https://www.pacificawealth.com/should-you-invest-yourself/) - If you ever have the inkling to manage your investments on your own, that inkling is worth reconsidering. Do-it-yourself investment management is generally a bad idea for the retail investor for myriad reasons.
- [Year-End Financial Planning and Tax Planning](https://www.pacificawealth.com/year-end-financial-planning-and-tax-planning/)
- [Your Financial To Do Checklist for the New Year](https://www.pacificawealth.com/your-financial-to-do-checklist-for-the-new-year/)
- [Prep Your Paperwork for Tax Season](https://www.pacificawealth.com/prep-paperwork-tax-season/)
- [Economic Update 03/16/15](https://www.pacificawealth.com/economic-update-031615/)
- [A Brief Rundown of 1099 Forms](https://www.pacificawealth.com/brief-rundown-1099-forms/) - There are 17 types of 1099 forms, and you may have received one or more of them in the mail. Here’s a brief rundown of what they report.
- [Economic Update 03/09/15](https://www.pacificawealth.com/economic-update-030915/)
- [Top Tax Frauds to Watch Out For](https://www.pacificawealth.com/top-tax-frauds-watch/)
- [Economic Update 03/23/15](https://www.pacificawealth.com/economic-update-032315/)
- [How to Get Rid of Debt](https://www.pacificawealth.com/get-rid-debt/)
- [The Psychology of Saving & Spending](https://www.pacificawealth.com/psychology-saving-spending/)
- [Economic Update 03/30/15](https://www.pacificawealth.com/economic-update-033015/)
- [Economic Update 04/07/15](https://www.pacificawealth.com/economic-update-040715/)
- [Economic Update 06/01/2015](https://www.pacificawealth.com/economic-update-06012015/) - Economic Update 06/01/2015 - THREE KEY REAL ESTATE INDICATORS IMPRESS: All of a sudden, the housing market looks much healthier.
- [Estate Planning Primer](https://www.pacificawealth.com/estate-planning-primer/) - Estate planning primer with tools to modify your plan in the future when some development in family life occurs.
- [Economic Update 06/08/15](https://www.pacificawealth.com/economic-update-060815/) - Economic Update 06/08/15 - NO LETUP IN HIRING IN MAY: Last Thursday, the International Monetary Fund took the unusual step of offering the Fed some advice
- [Economic Update 06/15/15](https://www.pacificawealth.com/economic-update-061515/) - Economic Update 06/15/15 - SPRING SEES MORE SHOPPING: Last week, the Commerce Department announced a 1.2% jump in retail sales for May.
- [Economic Update 06/29/15](https://www.pacificawealth.com/economic-update-062915/) - Economic Update 06/29/15 -- CONSUMER SPENDING INCREASES 0.9%. This May gain represents quite a change from the mere 0.1% improvement recorded for April.
- [Economic Update 07/06/15](https://www.pacificawealth.com/economic-update-070615/) - Economic Update 07/06/15 - WALL STREET HANGS ON AS GREECE DEFAULTS: When Greece revealed it would miss its July 1 debt payment, the Dow lost 2% for the day
- [Economic Update 07/13/15](https://www.pacificawealth.com/economic-update-071315/) - Economic Update 07/13/15 - GREECE GIVES IN, STOCKS RALLY: In an about-face development, the Greece acceded to the demands of its creditors Thursday night.
- [What Does Inflation Have To Do With Investing?](https://www.pacificawealth.com/inflation-investing/) - What Does Inflation Have To Do With Investing? You may need to know if "moderate inflation" returns in the second half of this decade.
- [Economic Update 07/20/15](https://www.pacificawealth.com/economic-update-072015/) - Economic Update 07/20/15 -- CONSUMER & WHOLESALE PRICES INCREASE: The Labor Department announced a 0.3% June rise in the headline Consumer Price Index.
- [Warning: Don’t Make These Financial Mistakes](https://www.pacificawealth.com/warning-dont-make-financial-mistakes/) - Financial mistakes to avoid? Unintentionally breaking the law, flirting with illegal behavior, or paying federal tax penalties for indiscretions.
- [Economic Update 07/27/15](https://www.pacificawealth.com/economic-update-072715/) - Economic Update 07/27/15 -- EXISTING HOME SALES UP, NEW HOME SALES DOWN: Residential resales increased 3.2% in June. New home buying subsided 6.8%,
- [What to do in a Volatile Stock Market](https://www.pacificawealth.com/what-to-do-in-a-volatile-stock-market/) - When will the volatile stock market stabilize? As the last trading week of August began, worried investors wondered just that.
- [Economic Update 08/24/15](https://www.pacificawealth.com/economic-update-082415/) - Economic Update 08/24/15 -- CHINA DATA, CRUDE PRICES DRIVE MAJOR SELLOFF: Fierce headwinds hit Wall Street last week.
- [Compound Savings & Investing](https://www.pacificawealth.com/compound-savings-investing/) - The effect of compound savings is huge. Most people underestimate it, so it is worth illustrating.
- [Economic Update 09/14/15](https://www.pacificawealth.com/economic-update-091415/)
- [Understanding Why Life Insurance Matters](https://www.pacificawealth.com/understanding-why-life-insurance-matters/) - Some view life insurance as optional; some have simply procrastinated when it comes to buying a policy. Others believe that they can’t afford it.
- [Estate Planning Considerations After a Second Marriage](https://www.pacificawealth.com/estate-planning-considerations-after-a-second-marriage/) - Marrying again makes estate planning more involved. How do you provide for everyone you love? Should you provide for everyone you love?
- [A Unique Strategy To Long-Term Care Insurance](https://www.pacificawealth.com/a-unique-strategy-to-long-term-care-insurance/) - The price of long-term care insurance is really going up. If you're a baby boomer and you've kept your eye on it for a few years, chances are you've noticed.
- [Economic Update 10/05/15](https://www.pacificawealth.com/16364-2/)
- [Economic Update 09/28/15](https://www.pacificawealth.com/economic-update-092815/)
- [What is Key Person Insurance?](https://www.pacificawealth.com/what-is-key-person-insurance/)
- [Economic Update 12/07/15](https://www.pacificawealth.com/economic-update-120715/)
- [Economic Update 12/14/15](https://www.pacificawealth.com/economic-update-121415/)
- [Economic Update 12/21/15](https://www.pacificawealth.com/economic-update-122115/)
- [Economic Update 12/28/15](https://www.pacificawealth.com/economic-update-122815/)
- [Economic Update 11/16/15](https://www.pacificawealth.com/economic-update-111615/)
- [Economic Update 11/30/15](https://www.pacificawealth.com/economic-update-113015/)
- [Economic Update 01/04/2016](https://www.pacificawealth.com/economic-update-01042016/)
- [Economic Update 01/11/16](https://www.pacificawealth.com/economic-update-011116/)
- [Economic Update 01/19/16](https://www.pacificawealth.com/economic-update-011916/)
- [Economic Update 01/25/16](https://www.pacificawealth.com/economic-update-012516/)
- [Common Estate Planning Mistakes to Avoid](https://www.pacificawealth.com/common-estate-planning-mistakes-to-avoid/)
- [UGMA & UTMA Custodial Accounts](https://www.pacificawealth.com/ugma-utma-custodial-accounts/)
- [Read This If You Have An Education 529 Plan](https://www.pacificawealth.com/read-this-if-you-have-an-education-529-plan/)

## Pages

- [Home](https://www.pacificawealth.com/) - We are independent financial planners who provide retirement financial planning, managing sudden wealth, and investment solutions to clients across the country.
- [Investment Course](https://www.pacificawealth.com/investment-course/) - Learn the essentials of investing in just 9 days! One of the main drivers of financial success is knowledge and financial confidence. I hope this short program helps you become a better investor. Sign up free today!
- [Quarterly Financial & Investment Update](https://www.pacificawealth.com/quarterly-financial-investment-update/) - Second Quarter 2021: Get Informed on the Financial Markets, Investment Performance, and Economy. From Financial Advisor Robert Pagliarini. Watch the Quarterly Market Review.
- [Bitcoin & Cryptocurrency Wealth](https://www.pacificawealth.com/bitcoin-cryptocurrency-financial-advisor-wealth-planning/) - Are you looking for a Bitcoin & cryptocurrency financial advisor? We can work with you to develop a financial plan that will diversify your assets and help to preserve your wealth.
- [Contact Us](https://www.pacificawealth.com/contact/) - Pacifica Wealth Advisors - Financial Planners located in Orange County (Mission Viejo), CA. Get our contact information here.
- [Privacy Policy](https://www.pacificawealth.com/privacy-policy/) - It is important to Pacifica Wealth Advisors, Inc. that clients are aware of the firm’s privacy policy. This notice applies to our clients or individuals
- [Robert Pagliarini Financial Planner/Advisor](https://www.pacificawealth.com/robert-pagliarini-financial-planner-advisor/) - About Sudden Wealth advisor, Robert Pagliarini.
- [Robert Pagliarini's Books](https://www.pacificawealth.com/robert-pagliarini-books/) - Robert Pagliarini, PhD, CFP® is a #1 best-selling personal finance book author. Book topics include Sudden Wealth, the basics of finances, and more.
- [About Our Firm](https://www.pacificawealth.com/about-irvine-financial-planning-investment-firm/) - We are a financial planning firm in Irvine, California. We provide unbiased financial and investment advice. We are fee-only, fiduciary financial planners specializing in retirement and sudden wealth planning.
- [Disclosures](https://www.pacificawealth.com/disclosures/) - Disclosures for Pacifica Wealth Advisors, Inc. (hereafter referred to as Pacifica Wealth Advisors or Pacifica) is a registered investment adviser located in Mission Viejo, CA. Read more..
- [Financial Advisor for Professional Athletes](https://www.pacificawealth.com/financial-advisor-for-professional-athletes/) - As experienced financial advisors for professional athletes, we provide a comprehensive review of your finances and strategies to help grow your assets. We have a national reputation for providing financial planning services to major athletes. Get in touch today.
- [Lottery Winners Advisor - Get Started](https://www.pacificawealth.com/financial-advisor-for-lottery-winners/get-started/) - If you have won the lottery or Powerball and feel overwhelmed with the financial, legal, and tax issues and are unsure what to do, we can help. Fill out this quick form to get stated.
- [Fees for Investment Management & Comprehensive Financial Planning](https://www.pacificawealth.com/fees-for-investment-management-comprehensive-financial-planning/) - We are CFP® and fiduciary financial planners who provide customized financial plans and investment management services and are straightforward about the fees we charge.
- [Media & Speaking](https://www.pacificawealth.com/media/) - If you want to help your audience grow their financial confidence and wealth - Robert Pagliarini is the financial speaker for you! He has shared his wealth of knowledge on Dr. Phil, 20/20, Good Morning America, ABC News, and more. Book Robert as your speaker on finance today!
- [Charity](https://www.pacificawealth.com/charity/) - Charity - We are committed to creating a better world. Here is our list of charities we not only support financially but we also are actively involved.
- [The 4% Rule in Retirement](https://www.pacificawealth.com/the-4-rule-in-retirement/) - How much income can I withdraw from my investments when I retire? Should you trust the 4% rule in retirement? Read about what we think about the 4% rule with retired clients
- [How Much Can I Spend in Retirement? Creating a Retirement Income Distribution Strategy](https://www.pacificawealth.com/how-much-can-i-spend-in-retirement-creating-a-retirement-income-distribution-strategy/) - To create a perfect retirement income plan you would need to be able to accurately predict several important variables in the future. Read more on creating a distribution strategy today.
- [Badass Retirement](https://www.pacificawealth.com/retirement-financial-planner/badass-retirement/) - I've worked with hundreds of people who are preparing to retire or retired. Learn more about what a Badass Retirement entails, and how you can get there.
- [During Retirement Financial Advisor](https://www.pacificawealth.com/retirement-financial-advisor/) - Are you retired and concerned about being financially secure? We can help you align your portfolio with your goals. Choose a fiduciary retirement financial planner.
- [Financial Planning Before Retirement](https://www.pacificawealth.com/financial-planning-before-retirement/) - Do you need help creating a solid financial plan for retirement? We’ve helped hundreds to create a lifetime stream of income so they can retire according to their dreams. We'd love to help you, too!
- [Retirement Financial Planner](https://www.pacificawealth.com/retirement-financial-planner/) - We have been helping clients navigate the changes retirement brings for over nearly three decades. See how we help people plan and secure their retirement financially.
- [Sudden Wealth Financial Advisor](https://www.pacificawealth.com/sudden-wealth-financial-advisor/) - Sudden wealth means getting more money than you’re used to being responsible for, getting it all at once, and often feeling pushed outside of your normal financial comfort zone. A Sudden Wealth financial advisor can help you through it.
- [Financial Advisor for Lottery Winners](https://www.pacificawealth.com/financial-advisor-for-lottery-winners/) - Isn’t the financial advice for Powerball and lottery winners the same as for non-lottery winners? Lottery winners have unique financial, tax, and legal needs.
- [Stock Option (IPO) Planning - Financial Planning for Employee Stock Options](https://www.pacificawealth.com/stock-option-planning-financial-planning-for-employee-stock-options/) - Do you have stock options in a company going public through an IPO or SPAC? If there is one area that requires impeccable attention to details, a proper strategy, and knowledge of taxes, it is financial planning for stock options.
- [Business Sell-Side Financial Advisor](https://www.pacificawealth.com/business-sell-side-financial-advisor/) - A business sale can be a difficult decision. A sell-side financial advisor can help make sure you get the most value from what they've created. We are fiduciary financial advisors with over nearly three decades of experience in wealth and investment management.
- [Lawsuits & Settlements Financial Advisor](https://www.pacificawealth.com/lawsuits-settlements-financial-advisor/) - Have you received wealth through a lawsuit or settlement? Choose a fiduciary financial advisor you can trust—Pacifica can help you manage and invest settlement money.
- [Inheritance Financial Advisors](https://www.pacificawealth.com/inheritance-financial-advisors/) - As an inheritance financial advisor, we specialize in helping people who have or are going to inherit money. Robert is known nationally for his expertise in sudden wealth planning and is a fiduciary. He is committed to helping our clients grow and protect their inheritance while providing compassionate advice.
- [Divorce Financial Planning](https://www.pacificawealth.com/divorce-financial-planning/) - Divorce can create fear and uncertainty. If you are involved in or anticipating a divorce, our divorce financial planners can provide immediate clarity.
- [Financial Advisor for Entertainers](https://www.pacificawealth.com/financial-advisor-for-entertainers/) - Professional entertainers have unique financial needs. Our sports and entertainment wealth management program smooth cash flow fluctuations. If you're an entertainer looking for a financial advisor, learn more about our services.
- [Investment Philosophy](https://www.pacificawealth.com/investment-philosophy/) - As CFPs with over nearly three decades of experience, we lean on financial science to create and manage investment portfolios for clients around the country. Learn more about our investment philosophy today.
- [Podcast](https://www.pacificawealth.com/podcast/) - A podcast to help you successfully manage the financial, tax, and psychological issues when facing life’s most important/significant financial transitions.
- [360 Wealth Management](https://www.pacificawealth.com/360-wealth-management-financial-advisors/) - We provide financial planning and investment management services by taking our clients through a unique five-step process called 360 Wealth Management.
- [Frequently Asked Questions](https://www.pacificawealth.com/faqs/) - Get answers to common questions about our financial planning services. Learn how we help clients across the country manage investments, plan for retirement and more.
- [Get Weekly Economic Updates](https://www.pacificawealth.com/subscribe/) - Looking to grow your wealth and financial knowledge? Sign up for our weekly email with the latest in finance and actionable insights direct from our lead advisor.
- [Terms & Conditions](https://www.pacificawealth.com/terms-conditions/) - Access to and use of the Pacifica Wealth Advisors, Inc. site ("Pacifica site") are subject to the following terms, conditions, and notices
- [Badass Retirement Portfolio](https://www.pacificawealth.com/badass-retirement-portfolio/)
- [About](https://www.pacificawealth.com/about-irvine-financial-planning-investment-firm/)
- [Get Money Smart Videos](https://www.pacificawealth.com/resources/) - Understanding personal finance doesn’t need to be difficult, and when you’re “money smart,” your money will work just as hard as you do. Learn about money in minutes – not months – and build a brighter financial future.
- [Get Money Smart Audiobook](https://www.pacificawealth.com/resources/)
- [Resources](https://www.pacificawealth.com/resources/) - We share the wealth with financial planning resources. Sign up for a free webinar, or enroll in an email course. Topics range from retirement financial planning to investment management.
- [Introducing 360 Wealth View™](https://www.pacificawealth.com/introducing-360-wealth-view/) - 360 Wealth View allows you to store all of your financial account info in one on-line virtual vault easing the burden of going to multiple sites.
- [Get Money Smart](https://www.pacificawealth.com/get-money-smart/) - Understanding personal finance doesn’t need to be difficult, and when you’re “money smart,” your money will work just as hard as you do. Learn about money in minutes – not months – and build a brighter financial future.
- [Financial Planning Webinars](https://www.pacificawealth.com/webinars/) - Join financial expert Robert Pagliarini, PhD, CFP, EA for discussing on topics from retirement financial planning to sudden wealth. Registration is quick and easy.
- [Courses](https://www.pacificawealth.com/courses/) - Sign up for one of our free financial courses to expand your knowledge with actionable insights. Topics include retirement planning, financial planning for families, investments and more. See what you can learn today.
- [How We Help](https://www.pacificawealth.com/how-we-help/) - Read a few examples of how we help our financial planning clients. Pacifica Wealth Advisors in Irvine helps with creative financial strategies.
- [Business Transition Financial Advisor](https://www.pacificawealth.com/business-transition-financial-advisor/) - If you are considering selling your business or transferring it to family, this may be a bittersweet decision. As certified financial planners, we have helped clients across the country with business transition planning.
- [TEST](https://www.pacificawealth.com/test/)
- [Defined Benefit Retirement Plans for Small Business Owners](https://www.pacificawealth.com/webinar-defined-benefit-retirement-plans-for-small-business-owners/)
- [Sudden Wealth: Money Beliefs](https://www.pacificawealth.com/webinar-sudden-wealth-money-beliefs/)
- [Fiduciary Financial Advisor Irvine](https://www.pacificawealth.com/fiduciary-financial-advisor-irvine/) - When you work with a Fiduciary, you never have to worry that the financial advice you are getting is tainted and designed to benefit the advisor. We work in your best interest 100% of the time.
- [COVID-19 Financial Survival Guide:  Key Moves to Help You Right Now and Create Future Wealth](https://www.pacificawealth.com/covid-19-financial-survival-guide/) - Key moves to help you right now and create future wealth.
- [Questions](https://www.pacificawealth.com/questions/) - Please answer the questions below. This helps us get to know you a little better and if we're the right financial planner for you.
- [Courses](https://www.pacificawealth.com/courses-2/)
- [Our Beliefs](https://www.pacificawealth.com/our-beliefs/) - How we think about and approach our work as financial advisors and life in general.
- [Sudden Wealth Financial Advisors for Money Received Suddenly](https://www.pacificawealth.com/sudden-wealth-financial-advisor/money-received-suddenly/) - Learn about our special expertise serving sudden wealth recipients, people who received a large sum of money suddenly through divorce, inheritance, or lawsuit.
- [Financial Planning for Clients Across the Country](https://www.pacificawealth.com/financial-planning-for-clients-across-the-country/) - Over 90% of our clients live in a different city than us. Clients care more about financial advisor expertise than location - choose us a distance advisor.
- [Intake Form](https://www.pacificawealth.com/intake-form/)
- [Stock Option Planning - Get Started](https://www.pacificawealth.com/stock-option-planning-financial-planning-for-employee-stock-options/get-started/) - With over nearly three decades of experience helping employees with stock option planning and our certified financial planners. Get started today by filling out this form.
- [Financial Planning for Professional Athletes - Get Started](https://www.pacificawealth.com/financial-advisor-for-professional-athletes/get-started/) - As your personal CFO, we provide a comprehensive financial review of what is working and what can be improved. Get started by filling out this quick form and we'll get back to you soon.
- [Financial Planner for Entertainers - Get Started](https://www.pacificawealth.com/financial-advisor-for-entertainers/get-started/) - Financial expert Robert Pagliarini, PhD, CFP, EA works with celebrities across the country to manage more than their finances. Fill out this quick form and he'll respond to you directly.
- [Lawsuit Financial Advisor - Get Started](https://www.pacificawealth.com/lawsuits-settlements-financial-advisor/get-started/) - Sometimes the wrong can never be made right even if you “win” or regardless of the amount of money you receive from the settlement. We get that. Learn more about our services today.
- [Inheritance Financial Advisor - Get Started](https://www.pacificawealth.com/inheritance-financial-advisors/get-started/)
- [Business Sell-Side - Get Started](https://www.pacificawealth.com/business-sell-side-financial-advisor/get-started/) - Fill out our quick form to see if we might be the right business sell-side financial advisor for you.
- [Get Started](https://www.pacificawealth.com/retirement-financial-advisor/get-started/) - Are we the right retirement financial planner for you? Let's get started with this quick form and we'll get back to you shortly.
- [Get Started](https://www.pacificawealth.com/financial-planning-before-retirement/get-started/) - We help you develop lifetime income. A good investment retirement plan should provide you with a consistent monthly check regardless of what is happening in politics, the economy, or the stock market. Get started today.
- [Ask](https://www.pacificawealth.com/ask/) - What are your burning retirement questions? I want to hear from you. Submit all of your retirement questions and I will highlight and answer as many as I can in my Forbes column and in my financial podcast.
- [Lottery Winner Investment Advice](https://www.pacificawealth.com/lottery-winner-investment-advice/) - The first piece of lottery winner investment advice I typically provide is whether to take the lump-sum payout or the annual annuity, an important decision.
- [Financial Planner Los Angeles](https://www.pacificawealth.com/financial-planner-los-angeles/) - We are one of the leading independent wealth managers and financial planners (Los Angeles) in Southern California providing investment advice.
- [Financial Advisor Orange County](https://www.pacificawealth.com/financial-advisor-orange-county/) - Looking for a financial advisor Orange County? Pacifica Wealth Advisors is owned by Robert Pagliarini who is a nationally known Financial Advisor.
- [Schwab Account Login](https://www.pacificawealth.com/schwab-account-login/) - Login to your Schwab account here. Pacific Wealth Advisors.
- [Money Request Application](https://www.pacificawealth.com/money-request/)
- [Financial Planning and Wealth Management](https://www.pacificawealth.com/financial-planning-and-wealth-management/) - Pacifica Wealth Advisors in a financial planning and wealth management firm led by Robert Pagliarini who is a nationally known financial planner.
- [Submit Question for Sudden Wealth Radio](https://www.pacificawealth.com/submit-question/) - Do you have a question regarding sudden wealth? Simply fill out the form below and we will email you directly if we use your question on Sudden Wealth Radio.
- [Investment Risk Tolerance Questionnaire](https://www.pacificawealth.com/investment-risk-tolerance-questionnaire/) - Evaluate your personal risk tolerance by completing our easy-to-use online Investment Risk Tolerance Questionnaire.
- [IRS 230 Circular Disclaimer | Mission Viejo Financial Planner](https://www.pacificawealth.com/irs-230-circular-disclaimer-irvine-financial-planner/) - Pacifica Wealth Advisors in Irvine provides this disclaimer to ensure compliance with IRS Circular 230, any U.S. federal tax information provided within this web site is not intended or written to be used.. read more.
- [Sitemap](https://www.pacificawealth.com/sitemap/) - Explore our website. We outline our financial planning services, host free financial courses and more.
- [Fiduciary Oath](https://www.pacificawealth.com/fiduciary/) - Did you know less than 20% of financial planners are real fiduciaries? We believe in placing our clients’ best interests first. Read the five fiduciary principles on our fiduciary oath.
- [Mission Viejo Financial Planner: Robert Pagliarini](https://www.pacificawealth.com/robert-pagliarini-financial-planner-advisor/) - Robert Pagliarini, MS, MA, CFP®is a Mission Viejo financial planner with a national reputation for advising affluent investors and sudden wealth recipients.
- [Login](https://www.pacificawealth.com/login/) - Pacifica Wealth Advisors in Southern California is committed to bringing you the best technology and resources. Login to view your investment portfolio, financial plan and more with simplicity and security.
- [Pre-Retirement Financial Planning Toolkit](https://www.pacificawealth.com/financial-planning-before-retirement/toolkit/) - You'll receive Factors to Retirement Satisfaction, Retirement Financial Advisor Checklist and more in the toolkit! Sign up is simple and secure.
- [Enrolled](https://www.pacificawealth.com/enrolled/) - You will receive the first lesson in just a minute in your inbox. If you have any questions as you go through the course, do not hesitate to ask. Feeling really motivated? Browse our other financial resources today!
- [Download Fiduciary Oath](https://www.pacificawealth.com/download-fiduciary-oath/) - Is your financial advisor a Fiduciary? Print this oath to ensure your interests are first in line when considering a financial advisor.
- [Quarterly Financial & Investment Update: Third Quarter 2018](https://www.pacificawealth.com/quarterly-financial-investment-update-third-quarter-2018/) - Third Quarter 2018: Get Informed on the Financial Markets, Investment Performance, and Economy. From financial advisor Robert Pagliarini: the US economy and markets were strong in Q2 but international markets struggled. Watch the Quarterly Market Review video update to learn more.
- [AdvisorFit](https://www.pacificawealth.com/advisorfit/) - Do you work hard for your money? I know I sure do. This is why I created the website AdvisorFit. We ask the tough questions, and our automated analysis help identify red flags and help them understand the financial advisors' answers so they can make an informed decision.
- [Quarterly Financial & Investment Update - First Quarter](https://www.pacificawealth.com/quarterly-financial-investment-update-first-quarter/) - Second Quarter 2018: Get Informed on the Financial Markets, Investment Performance, and Economy. From financial advisor Robert Pagliarini: the US economy and markets were strong in Q2 but international markets struggled. Watch the Quarterly Market Review video update to learn more.
- [Economic Updates](https://www.pacificawealth.com/quarterly-financial-investment-update/) - Get informed on the financial markets, investment performance, and economy with our economic updates.
- [Sudden Wealth Radio](https://www.pacificawealth.com/sudden-wealth-radio/) - Sudden Wealth Radio is an online radio show for people who've suddenly come into a substantial amount of money and are seeking expert financial advice.
- [Get Started](https://www.pacificawealth.com/get-started/) - Get started here to register or log in and gain access to 360º Wealth View™ for complete wealth management.
- [Orange County Financial Planner](https://www.pacificawealth.com/orange-county-financial-planner/) - Robert Pagliarini, an Orange County financial planner and national expert, owns Pacifica Wealth Advisors, Inc., a financial planning firm in Mission Viejo.
- [Sudden Wealth Advisors](https://www.pacificawealth.com/sudden-wealth-advisors/) - Pacifica Wealth provides sudden wealth, sudden money, and windfall financial planning to clients nationally
- [The Six-Day Financial Makeover](https://www.pacificawealth.com/the-six-day-financial-makeover/) - Robert Pagliarini, president of Pacifica Wealth Advisors, wrote a unique personal finance book called The Six-Day Financial Makeover, St. Martin’s Press

## Beliefs

- [You are more than your net-worth.](https://www.pacificawealth.com/belief/you-are-more-than-your-net-worth/)
- [Experiences tend to increase happiness more than things.](https://www.pacificawealth.com/belief/experiences-tend-to-increase-happiness-more-than-things/)
- [You can have all the money in the world, but if you don’t have your health, it doesn’t matter.](https://www.pacificawealth.com/belief/you-can-have-all-the-money-in-the-world-but-if-you-dont-have-your-health-it-doesnt-matter/)
- [Retirement isn’t the finish line; it’s just another milestone along the journey.](https://www.pacificawealth.com/belief/retirement-isnt-the-finish-line-its-just-another-milestone-along-the-journey/)
- [Your financial plan is not a thing; it’s an ongoing process.](https://www.pacificawealth.com/belief/your-financial-plan-is-not-a-thing-its-an-ongoing-process/)
- [Thinking about death or disability is depressing, so create a plan for these and then get back to living.](https://www.pacificawealth.com/belief/thinking-about-death-or-disability-is-depressing-so-create-a-plan-for-these-and-then-get-back-to-living/)
- [Investing done right is nothing like gambling in Vegas.](https://www.pacificawealth.com/belief/investing-done-right-is-nothing-like-gambling-in-vegas/)
- [Take responsibility for everything.](https://www.pacificawealth.com/belief/take-responsibility-for-everything/)
- [Risk and return is related, but blindly taking risk doesn’t guarantee a better return.](https://www.pacificawealth.com/belief/risk-and-return-is-related-but-blindly-taking-risk-doesnt-guarantee-a-better-return/)
- [Your best investment is probably in yourself.](https://www.pacificawealth.com/belief/your-best-investment-is-probably-in-yourself/)
- [You will not jinx yourself because you purchase life or disability insurance.](https://www.pacificawealth.com/belief/you-will-not-jinx-yourself-because-you-purchase-life-or-disability-insurance/)
- [Work with the best team of financial advisors regardless of where they are located.](https://www.pacificawealth.com/belief/work-with-the-best-team-of-financial-advisors-regardless-of-where-they-are-located/)
- [More money (a lot more) has been lost trying to time the market than has ever been made.](https://www.pacificawealth.com/belief/more-money-a-lot-more-has-been-lost-trying-to-time-the-market-than-has-ever-been-made/)
- [We can’t predict the next recession (and neither can the world’s leading economists).](https://www.pacificawealth.com/belief/we-cant-predict-the-next-recession-and-neither-can-the-worlds-leading-economists/)
- [For the do-it-yourself investor, indexing is better than active management.](https://www.pacificawealth.com/belief/for-the-do-it-yourself-investor-indexing-is-better-than-active-management/)
- [If you could only take one lesson about money, it should be about your mental heuristics, cognitive biases, and common decision-making errors.](https://www.pacificawealth.com/belief/if-you-could-only-take-one-lesson-about-money-it-should-be-about-your-mental-heuristics-cognitive-biases-and-common-decision-making-errors/)
- [Being broke or in debt for long periods of time is a terrible existence.](https://www.pacificawealth.com/belief/being-broke-or-in-debt-for-long-periods-of-time-is-a-terrible-existence/)
- [Money can provide freedom, security, and opportunity.](https://www.pacificawealth.com/belief/money-can-provide-freedom-security-and-opportunity/)
- [Money is fantastic.](https://www.pacificawealth.com/belief/money-is-fantastic/)
- [It’s probably not different this time.](https://www.pacificawealth.com/belief/its-probably-not-different-this-time/)
- [Over almost any time-period, passive index investing beats active management.](https://www.pacificawealth.com/belief/over-almost-any-time-period-passive-index-investing-beats-active-management/)
- [Determining your risk tolerance is difficult and frustrating, but having a rough idea of your risk tolerance is infinitely better for your investment success than not knowing at all.](https://www.pacificawealth.com/belief/determining-your-risk-tolerance-is-difficult-and-frustrating-but-having-a-rough-idea-of-your-risk-tolerance-is-infinitely-better-for-your-investment-success-than-not-knowing-at-all/)
- [It would be great if you could successfully and consistently get out of the market before it goes down and back in before it goes up, but you can’t and there is 100+ years of research that shows nobody can.](https://www.pacificawealth.com/belief/it-would-be-great-if-you-could-successfully-and-consistently-get-out-of-the-market-before-it-goes-down-and-back-in-before-it-goes-up-but-you-cant-and-there-is-100-years-of-research-that-sho/)
- [Small positive actions over time create surprisingly meaningful results.](https://www.pacificawealth.com/belief/small-positive-actions-over-time-create-surprisingly-meaningful-results/)
- [Most investors dislike losses much more than they enjoy gains.](https://www.pacificawealth.com/belief/most-investors-dislike-losses-much-more-than-they-enjoy-gains/)
- [Spend 99.99% of your time focused on the things you can control and the rest of your time trying to figure out how you can spend more of your time focusing just on those things you can control.](https://www.pacificawealth.com/belief/spend-99-99-of-your-time-focused-on-the-things-you-can-control-and-the-rest-of-your-time-trying-to-figure-out-how-you-can-spend-more-of-your-time-focusing-just-on-those-things-you-can-control/)
- [This year’s hot investment is likely to be next year’s big loser.](https://www.pacificawealth.com/belief/this-years-hot-investment-is-likely-to-be-next-years-big-loser/)
- [If one of your advisor’s says “trust me,” run away.](https://www.pacificawealth.com/belief/if-one-of-your-advisors-says-trust-me-run-away/)
- [Your current financial condition is the result of your past decisions, but your future financial condition will be result of your decisions now.](https://www.pacificawealth.com/belief/your-current-financial-condition-is-the-result-of-your-past-decisions-but-your-future-financial-condition-will-be-result-of-your-decisions-now/)
- [Humans are wired to be terrible investors. The more you recognize this the better you will be at investing.](https://www.pacificawealth.com/belief/humans-are-wired-to-be-terrible-investors-the-more-you-recognize-this-the-better-you-will-be-at-investing/)
- [Stacking multiple financial strategies together is how to create exponential results.](https://www.pacificawealth.com/belief/stacking-multiple-financial-strategies-together-is-how-to-create-exponential-results/)
- [The most financially wealthy are those who buy, invest in, or create assets.](https://www.pacificawealth.com/belief/the-most-financially-wealthy-are-those-who-buy-invest-in-or-create-assets/)
- [Wealth creates a target so it’s important to take steps to protect your assets.](https://www.pacificawealth.com/belief/wealth-creates-a-target-so-its-important-to-take-steps-to-protect-your-assets/)
- [Have two jobs – one as your career and the other at improving yourself.](https://www.pacificawealth.com/belief/have-two-jobs-one-as-your-career-and-the-other-at-improving-yourself/)
- [A sharp dressed advisor with a nice watch and fancy car doesn’t mean they know what they are doing.](https://www.pacificawealth.com/belief/a-sharp-dressed-advisor-with-a-nice-watch-and-fancy-car-doesnt-mean-they-know-what-they-are-doing/)
- [If it sounds too good to be true, run the other way.](https://www.pacificawealth.com/belief/if-it-sounds-too-good-to-be-true-run-the-other-way/)
- [The single biggest expense for most people is taxes, so it makes sense to find advisors who are obsessed with helping you minimize them.](https://www.pacificawealth.com/belief/the-single-biggest-expense-for-most-people-is-taxes-so-it-makes-sense-to-find-advisors-who-are-obsessed-with-helping-you-minimize-them/)
- [Your environment is an invisible hand that plays an important role in how you make decisions about money.](https://www.pacificawealth.com/belief/your-environment-is-an-invisible-hand-that-plays-an-important-role-in-how-you-make-decisions-about-money/)
- [Get a team of professionals who work together and conspire to help you create and preserve your wealth.](https://www.pacificawealth.com/belief/get-a-team-of-professionals-who-work-together-and-conspire-to-help-you-create-and-preserve-your-wealth/)
- [It will serve you well to learn the language of money.](https://www.pacificawealth.com/belief/it-will-serve-you-well-to-learn-the-language-of-money/)
- [Work with people you respect and enjoy being around.](https://www.pacificawealth.com/belief/work-with-people-you-respect-and-enjoy-being-around/)
- [The firm that manages your money shouldn’t be the same firm that holds your money.](https://www.pacificawealth.com/belief/the-firm-that-manages-your-money-shouldnt-be-the-same-firm-that-holds-your-money/)
- [Verify; trust. Verify; trust. Verify; trust. Etc.](https://www.pacificawealth.com/belief/verify-trust-verify-trust-verify-trust-etc/)
- [The Certified Financial Planner (CFP®) designation is the gold standard in financial planning.](https://www.pacificawealth.com/belief/the-certified-financial-planner-cfp-designation-is-the-gold-standard-in-financial-planning/)
- [People with certain characteristics tend to succeed more than others, and investments with certain characteristics tend to perform better than others. To gain an investment edge, it makes sense to invest a little more in those investments with the characteristics.](https://www.pacificawealth.com/belief/people-with-certain-characteristics-tend-to-succeed-more-than-others-and-investments-with-certain-characteristics-tend-to-perform-better-than-others/)
- [Being out of the market for even a few days can significantly affect your return.](https://www.pacificawealth.com/belief/being-out-of-the-market-for-even-a-few-days-can-significantly-affect-your-return/)
- [Greed and fear can wreak havoc on your investment success.](https://www.pacificawealth.com/belief/greed-and-fear-can-wreak-havoc-on-your-investment-success/)
- [The harder you work; the luckier you will get.](https://www.pacificawealth.com/belief/the-harder-you-work-the-luckier-you-will-get/)
- [There are many ways to create wealth.](https://www.pacificawealth.com/belief/there-are-many-ways-to-create-wealth/)
- [New and shiny captures our attention more than predictable and trusted even if it does not serve us well.](https://www.pacificawealth.com/belief/new-and-shiny-captures-our-attention-more-than-predictable-and-trusted-even-if-it-does-not-serve-us-well/)
- [Think about what kind of life you want to create for yourself and use money as a tool to help you achieve it.](https://www.pacificawealth.com/belief/think-about-what-kind-of-life-you-want-to-create-for-yourself-and-use-money-as-a-tool-to-help-you-achieve-it/)
- [Trying to get fancy with “alternative” investments usually creates a drag on your portfolio and hurts long-term performance.](https://www.pacificawealth.com/belief/trying-to-get-fancy-with-alternative-investments-usually-creates-a-drag-on-your-portfolio-and-hurts-long-term-performance/)
- [It’s better to be the casino than the gambler, which means it is better to determine where there is an investment advantage – even small – than it is to hope for luck in beating the odds.](https://www.pacificawealth.com/belief/its-better-to-be-the-casino-than-the-gambler-which-means-it-is-better-to-determine-where-there-is-an-investment-advantage-even-small-than-it-is-to-hope-for-luck-in-beatin/)
- [We are naturally wired to prefer instant gratification over delayed gratification, making saving and investing for a distant goal unnatural and challenging.](https://www.pacificawealth.com/belief/we-are-naturally-wired-to-prefer-instant-gratification-over-delayed-gratification-making-saving-and-investing-for-a-distant-goal-unnatural-and-challenging/)
- [One of the best books about money is Thinking, Fast and Slow by Nobel Prize winning behavioral finance psychologist Daniel Kahneman.](https://www.pacificawealth.com/belief/one-of-the-best-books-about-money-is-thinking-fast-and-slow-by-nobel-prize-winning-behavioral-finance-psychologist-daniel-kahneman/)
- [The last is the investments you choose.](https://www.pacificawealth.com/belief/the-last-is-the-investments-you-choose/)
- [The second most important factor in your investment return is your allocation.](https://www.pacificawealth.com/belief/the-second-most-important-factor-in-your-investment-return-is-your-allocation/)
- [The most important factor in your investment return is your behavior.](https://www.pacificawealth.com/belief/the-most-important-factor-in-your-investment-return-is-your-behavior/)
- [When in doubt, sleep on it.](https://www.pacificawealth.com/belief/when-in-doubt-sleep-on-it/)
- [We do not make good decisions under pressure or stress.](https://www.pacificawealth.com/belief/we-do-not-make-good-decisions-under-pressure-or-stress/)
- [All debt is bad. Well that's not entirely true, but a good place to start.](https://www.pacificawealth.com/belief/all-debt-is-bad-well-thats-not-entirely-true-but-a-good-place-to-start/)
- [Reading or watching financial pornography is hazardous to your wealth.](https://www.pacificawealth.com/belief/reading-or-watching-financial-pornography-is-hazardous-to-your-wealth/)
- [The more often you check your investments the lower your return.](https://www.pacificawealth.com/belief/the-more-often-you-check-your-investments-the-lower-your-return/)
- [We view our future self as a stranger, and as a result, tend to make decisions that disregard their best interest for our present self.](https://www.pacificawealth.com/belief/we-view-our-future-self-as-a-stranger-and-as-a-result-tend-to-make-decisions-that-disregard-their-best-interest-for-our-present-self/)
- [You can become rich by luck, but it’s almost impossible to stay rich with just luck.](https://www.pacificawealth.com/belief/you-can-become-rich-by-luck-but-its-almost-impossible-to-stay-rich-with-just-luck/)
- [An investment strategy that relies on facts and research is better and more sustainable than one that relies on gut feelings and hunches.](https://www.pacificawealth.com/belief/an-investment-strategy-that-relies-on-facts-and-research-is-better-and-more-sustainable-than-one-that-relies-on-gut-feelings-and-hunches/)
- [Just because something is possible, doesn’t mean it is probable.](https://www.pacificawealth.com/belief/just-because-something-is-possible-doesnt-mean-it-is-probable/)
- [We can't predict the future.](https://www.pacificawealth.com/belief/we-cant-predict-the-future/)
- [It’s your money.  Lean on your team for advice, but don’t lose sight that it's your money.](https://www.pacificawealth.com/belief/its-your-money-lean-on-your-team-for-advice-but-dont-lose-sight-that-its-your-money/)
- [It is foolish to pay someone for advice who doesn’t always put your interests first.](https://www.pacificawealth.com/belief/it-is-foolish-to-pay-someone-for-advice-who-doesnt-always-put-your-interests-first/)

## Webinars

- [Defined Benefit Retirement Plans for Small Business Owners](https://www.pacificawealth.com/webinar-defined-benefit-retirement-plans-for-small-business-owners/)
- [Sudden Wealth: Money Beliefs](https://www.pacificawealth.com/webinar-sudden-wealth-money-beliefs/)
- [Pursuing a Better Investment Experience](https://www.pacificawealth.com/webinar-pursuing-a-better-investment-experience/)
- [What Leads to Retirement Satisfaction?](https://www.pacificawealth.com/webinar-what-leads-to-retirement-satisfaction/)

## Courses

- [Warning! Don’t Make These Financial Mistakes!](https://www.pacificawealth.com/courses/dont-make-these-financial-mistakes/) - You’re in danger if you don’t avoid this serious financial mistakes! They can eat away at your savings and leave you broke. Here’s what to watch out for to keep your financial future safe.
- [The Rich & Famous: Dealing With Sudden Wealth & Fame](https://www.pacificawealth.com/courses/the-rich-famous-dealing-with-sudden-wealth-sudden-fame/) - If you catch a big break in sports or entertainment, your wealth can skyrocket overnight. With sudden wealth comes sudden fame, alongside a whole list of side effects — both positive & negative. If you find yourself in the spotlight with newfound wealth, this course is here to help!
- [Financially Savvy Investment Options](https://www.pacificawealth.com/courses/financially-savvy-investment-options/) - From premium bonds, to BDCs, to fixed indexed annuities, here are all the investment options you should consider to help your finances experience exponential growth in the long-term.
- [What to Do If You Receive an Inheritance?](https://www.pacificawealth.com/courses/what-to-do-if-you-receive-an-inheritance/) - Received a large inheritance and wondering what you should do next? Not only do you need to consider financial steps, but also take care of the emotional factors that come along with an inheritance. We cover all the bases - sign up for our free inheritance course today.
- [Surviving Divorce](https://www.pacificawealth.com/courses/surviving-divorce/) - A divorce can be one of the most challenging & difficult periods for a person to go through. You’re not alone! Here’s critical advice to help you — both emotionally and financially.
- [Surviving Divorce & Managing an Influx of New Wealth](https://www.pacificawealth.com/courses/surviving-divorce-managing-an-influx-of-new-wealth/) - Regardless of how affluent a couple is, there’s often a great deal of worry about financial futures when going through a divorce. Whether you’re preparing for, are in the middle of, or have finalized your divorce, here’s help!
- [You've Hit the Jackpot! Now What?](https://www.pacificawealth.com/courses/lottery-youve-hit-the-jackpot-now-what/) - Winning the lottery has to be one of the most exciting events that can happen to a person. If you've just won, you may feel some anxiety mixed with excitement.
- [Recently Win a Lawsuit or a Settlement? Here’s Help!](https://www.pacificawealth.com/courses/recently-win-a-lawsuit-or-a-settlement-heres-help/) - If you’re currently in the process of receiving a legal settlement (or have already received one) and you’re unsure who to turn to, this course will provide guidance.
- [When Stocks Make You Rich](https://www.pacificawealth.com/courses/when-stocks-make-you-rich/) - Although big technology companies often get the media’s attention, there are countless other companies both public & private that create windfalls for their employees each year.
- [Sudden Wealth Crash Course](https://www.pacificawealth.com/courses/sudden-wealth-crash-course/) - If you’ve recently acquired a financial windfall and don’t know where to begin or what to do, you’ve come to the right place. This crash course will get you started by providing an easy guide and simple techniques for managing sudden wealth.
- [Maintaining Good Financial Health](https://www.pacificawealth.com/courses/maintaining-good-financial-health/) - It’s time for a checkup on your financial health! This is just as important as working out and eating right, and it will definitely help keep your stress (and cortisol) levels low.
- [Estate Planning 101](https://www.pacificawealth.com/courses/estate-planning-101/) - You’d be mistaken to assume estate planning is only for the rich or well-off. You have an estate — no matter how big or small — and you need to make arrangements for your loved ones after you’re gone. Learn how to take the first steps here.
- [Investing 101](https://www.pacificawealth.com/courses/investing-101/) - What does inflation have to do with investing? Should you buy the stock market dips? Are you investing too much in company stock? Learn the ins and outs of investing and prepare yourself for higher financial returns during this email course.
- [Everyday Living](https://www.pacificawealth.com/courses/everyday-living/) - From home & auto insurance, to the value of investing in timeshares, to putting your home into a trust, this free mini-course is designed to help you navigate the financial situations of everyday living.
- [Life Insurance 101](https://www.pacificawealth.com/courses/life-insurance-101/) - This course is designed to teach you the ins and outs of life insurance, whether you’re 25 or 65 — and whether you think you need it or not.
- [Life Insurance Primer](https://www.pacificawealth.com/courses/life-insurance-primer/) - Why don’t more young adults purchase life insurance? Should you consider a life insurance trust? Where do you even begin? Check out this four-part mini-course for advice on where to get started!
- [Charitable Giving](https://www.pacificawealth.com/courses/charitable-giving/) - Think you can’t make a difference? Think again! Your charitable gift may even offer you sizable tax advantages. Learn all about it during this mini-course!
- [Money & Children](https://www.pacificawealth.com/courses/money-children-financial-course/) - Are your kids financially literate? What do they know about building wealth? To ensure their bright financial futures, here’s what you need to know...
- [Preserving Family Wealth from Inheritance to Beneficiaries](https://www.pacificawealth.com/courses/preserving-family-wealth-from-inheritance-to-beneficiaries/) - All too often, family wealth fails to last. From inheritance planning to beneficiaries, in this lesson you’ll find critical information to help preserve your family’s legacy.
- [Getting Married? Financial Advice for Now & for Your Family in the Future](https://www.pacificawealth.com/courses/getting-married-financial-advice-for-now-for-your-family-in-the-future/) - If you’re tying the knot and getting ready to start a family, here’s critical advice to help you and your loved ones financially — both now and in the future. Sign up for free today!
- [The Essential College Guide](https://www.pacificawealth.com/courses/the-essential-college-guide/) - What’s the true value of a college degree nowadays? How can you start saving today for tomorrow’s higher education expenses? Find out all this and more during this free five-day email course!
- [Financial Advice for Boomers Preparing to Retire Soon](https://www.pacificawealth.com/courses/financial-advice-for-boomers-preparing-to-retire-soon/) - If you’re nearing the age of 65 and your retirement is on the horizon, then this email course is for you. Sign up today and learn how you can maximize your savings potential with your retirement is looming.
- [A Happy & Healthy Retirement](https://www.pacificawealth.com/courses/a-happy-healthy-retirement/) - What will your life look after retirement? What constitutes a successful retirement? What steps can you take now to ensure that your golden years truly shine? Find out the answers to all these questions and more in this five-day email course.
- [All About IRAs](https://www.pacificawealth.com/courses/all-about-iras/) - Traditional, Roth, SEP & SIMPLE — this course is designed to help you understand the ins and outs of IRAs and become a pro at navigating retirement savings vehicles.
- [Rethinking Retirement](https://www.pacificawealth.com/courses/rethinking-retirement/) - Forget everything you know about retirement planning. Disregard all the retirement assumptions, adages and myths. Let’s start from scratch and rethink retirement savings for a brighter financial future.
- [Saving For Retirement](https://www.pacificawealth.com/courses/saving-for-retirement/) - Save often & save early. Whether you’re a young millennial just getting started, or an aging boomer quickly approaching retirement age, here’s your guide for learning how to maximize your savings and financial potential.
- [All About Retirement Planning](https://www.pacificawealth.com/courses/all-about-retirement-planning/) - How will you know when you have enough to retire? Should you retire at age 65? Is it too late to start planning for retirement? Find out the answers to these and all of your retirement questions during the email course.
- [Financial Planning for Women – Part 1](https://www.pacificawealth.com/courses/financial-planning-for-women-1/) - This is part one of a two-part series geared towards helping women gain financial independence — both for themselves and for their families. Sign up today for our free mini course!
- [Financial Planning for Women – Part 2](https://www.pacificawealth.com/courses/financial-planning-for-women-2/) - Ready for part two? Take charge of your finances with more lessons geared towards women. Sign up today for our free mini course!
- [Eliminate Debt & Start Saving Now!](https://www.pacificawealth.com/courses/eliminate-debt-start-saving/) - Stuck in a the debt hole? Here’s help to climb your way out, eliminate debt and start saving more than ever before. Sign up for our free mini course!
- [Financial Advisors](https://www.pacificawealth.com/courses/financial-advisors/) - From CFPs to RIAs, this mini-course will teach you all about the different types of financial advisors and help you decide who you want on your team. Sign up now for free!
- [Money Habits For Financial Success](https://www.pacificawealth.com/courses/money-habits-for-financial-success/) - Why focus on your bad habits, when you can spend time fostering your good ones? Here are valuable money habits you should spend time incorporating into everyday life to help your finances grow.
- [Investment Risk](https://www.pacificawealth.com/courses/investment-risk/) - Discover how investment risk can both help and hinder your financial growth. Here’s everything you need to know about understanding your own risk tolerance. Sign up today!
- [Invest Like a Pro](https://www.pacificawealth.com/courses/invest-like-a-pro/) - Understanding how the pros invest can help your financial situation radically improve. From recognizing common investing mistakes (and learning how to avoid them), to understanding tax efficiency, here’s what you need to know.
- [Estate Planning Primer](https://www.pacificawealth.com/courses/estate-planning-primer/) - Should you have a living trust or a will? Should you write your own will? How can you make sure you choose the right beneficiary. Find the answers to all these questions and more in this email course.
- [Crash Course in Investing](https://www.pacificawealth.com/courses/crash-course-in-investing/) - Here’s a crash course to help you understand the basics of investing and learn how you can get started. Whether you’re 25 or 55, this course is a requirement!
- [Financial Guidance for Entrepreneurs & Small Business Owners](https://www.pacificawealth.com/courses/financial-guidance-for-entrepreneurs-small-business-owners/) - Whether you’re self-employed or a small business owner with only a few employees, here’s critical financial advice and information that will help you to succeed.
- [Retirement Planning Primer](https://www.pacificawealth.com/courses/retirement-planning-primer/) - Discover more opportunities to grow your retirement savings, and find out the best ways to make your retirement savings last. We share some of our 25 years of experience in retirement financial planning in this free course. Sign up today!

## Sucess Story

- [Smart Cash Management](https://www.pacificawealth.com/success_story/smart-cash-management/)
- [Saved over $10,000 in Taxes for a Client in Days](https://www.pacificawealth.com/success_story/saved-over-10000-in-taxes-for-a-client-in-days/)
- [Dumping a life insurance policy](https://www.pacificawealth.com/success_story/dumping-a-life-insurance-policy/)
- [Taking Control of a 401(k)](https://www.pacificawealth.com/success_story/taking-control-of-a-401k/)
- [I Own What?](https://www.pacificawealth.com/success_story/i-own-what/)
- [Settlement Brings Unsettling Feelings](https://www.pacificawealth.com/success_story/settlement-brings-unsettling-feelings/)
- [Taking Life and Annuity into Consideration](https://www.pacificawealth.com/success_story/taking-life-and-annuity-into-consideration/)
- [Negotiation Avoids Eviction](https://www.pacificawealth.com/success_story/negotiation-avoids-eviction/)
- [How to Save $175,000 in Taxes](https://www.pacificawealth.com/success_story/how-to-save-175000-in-taxes/)

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- [Retirement Savings](https://www.pacificawealth.com/category/retirement-planning/retirement-savings/)
- [Defined Benefit Retirement Plans](https://www.pacificawealth.com/category/retirement-planning/defined-benefit-retirement-plans/)
- [Webinar](https://www.pacificawealth.com/category/webinar/)
- [Sudden Wealth](https://www.pacificawealth.com/category/sudden-wealth/)
- [Money Mindset](https://www.pacificawealth.com/category/money-mindset/)
- [Money Beliefs](https://www.pacificawealth.com/category/money-mindset/money-beliefs/)
- [Fiduciary Financial Planner](https://www.pacificawealth.com/category/fiduciary-financial-planner/)
- [For Women](https://www.pacificawealth.com/category/financial-planning-for-women/)
- [Family](https://www.pacificawealth.com/category/family-financial-planning/)
- [Life Insurance](https://www.pacificawealth.com/category/life-insurance/)
- [Retirement](https://www.pacificawealth.com/category/retirement/)
- [Saving](https://www.pacificawealth.com/category/saving/)
- [Course](https://www.pacificawealth.com/category/financial-courses/)
- [Divorce](https://www.pacificawealth.com/category/divorce-financial-planning/)
- [Inheritance](https://www.pacificawealth.com/category/inheritance/)
- [Financial Planning for Professional Athletes](https://www.pacificawealth.com/category/sudden-wealth/financial-planning-for-professional-athletes/)
- [Lottery Winner Advisor](https://www.pacificawealth.com/category/sudden-wealth/lottery-winner-advisor/)

## Tags

- [Retirement Planning](https://www.pacificawealth.com/tag/retirement-planning/)
- [Women](https://www.pacificawealth.com/tag/women/)
- [Smart Financial Moves](https://www.pacificawealth.com/tag/smart-financial-moves/)
- [Life Insurance](https://www.pacificawealth.com/tag/life-insurance/)
- [Financial Planning](https://www.pacificawealth.com/tag/financial-planning/)
- [Women Focused](https://www.pacificawealth.com/tag/women-focused/)
- [Estate Planning](https://www.pacificawealth.com/tag/estate-planning/)
- [Economic Update](https://www.pacificawealth.com/tag/economic-update/)
- [Sudden Wealth Radio](https://www.pacificawealth.com/tag/sudden-wealth-radio/)
- [Inheritance Planning](https://www.pacificawealth.com/tag/inheritance-planning/)
- [Business Planning](https://www.pacificawealth.com/tag/business-planning/)
- [Investing](https://www.pacificawealth.com/tag/investing/)
- [Sudden Wealth Planning](https://www.pacificawealth.com/tag/sudden-wealth-planning/)
- [Tax Strategy](https://www.pacificawealth.com/tag/tax-strategy/)
- [Business Succession Planning](https://www.pacificawealth.com/tag/business-succession-planning/)
- [Divorce Planning](https://www.pacificawealth.com/tag/divorce-planning/)
- [Sudden Wealth Plannning](https://www.pacificawealth.com/tag/sudden-wealth-plannning/)
- [Sudden Wealth Advisors](https://www.pacificawealth.com/tag/sudden-wealth-advisors/)
- [Retirem](https://www.pacificawealth.com/tag/retirem/)
- [Opportunity Zones](https://www.pacificawealth.com/tag/opportunity-zones/)
- [tax-free investing opportunity](https://www.pacificawealth.com/tag/tax-free-investing-opportunity/)
- [sudden money](https://www.pacificawealth.com/tag/sudden-money/)
- [money sudden](https://www.pacificawealth.com/tag/money-sudden/)
- [windfall](https://www.pacificawealth.com/tag/windfall/)
- [sudden wealth](https://www.pacificawealth.com/tag/sudden-wealth/)
- [sudden wealth solution](https://www.pacificawealth.com/tag/sudden-wealth-solution/)
- [sudden money advisor](https://www.pacificawealth.com/tag/sudden-money-advisor/)
- [stock market](https://www.pacificawealth.com/tag/stock-market/)
- [retirement](https://www.pacificawealth.com/tag/retirement/)
- [covid-19](https://www.pacificawealth.com/tag/covid-19/)
- [wealth ready](https://www.pacificawealth.com/tag/wealth-ready/)
- [Sudden Wealth Advisor](https://www.pacificawealth.com/tag/sudden-wealth-advisor/)
- [Retirement Financial Advisor](https://www.pacificawealth.com/tag/retirement-financial-advisor/)
- [crypto](https://www.pacificawealth.com/tag/crypto/)
- [crytocurrency](https://www.pacificawealth.com/tag/crytocurrency/)
- [bitcoin](https://www.pacificawealth.com/tag/bitcoin/)
- [ether](https://www.pacificawealth.com/tag/ether/)
- [ethereum](https://www.pacificawealth.com/tag/ethereum/)
- [Badass Retirement](https://www.pacificawealth.com/tag/badass-retirement/)

## Stats Types

- [view](https://www.pacificawealth.com/wpa-stats-type/view/)
- [Chrome](https://www.pacificawealth.com/wpa-stats-type/chrome/)
- [Macintosh](https://www.pacificawealth.com/wpa-stats-type/macintosh/)
- [event](https://www.pacificawealth.com/wpa-stats-type/event/)
- [Windows](https://www.pacificawealth.com/wpa-stats-type/windows/)
- [Safari](https://www.pacificawealth.com/wpa-stats-type/safari/)
- [Firefox](https://www.pacificawealth.com/wpa-stats-type/firefox/)
- [Android](https://www.pacificawealth.com/wpa-stats-type/android/)
- [iPad](https://www.pacificawealth.com/wpa-stats-type/ipad/)
- [iPhone](https://www.pacificawealth.com/wpa-stats-type/iphone/)
- [Silk](https://www.pacificawealth.com/wpa-stats-type/silk/)
- [Linux](https://www.pacificawealth.com/wpa-stats-type/linux/)

## Client Types

- [Retiree](https://www.pacificawealth.com/client_type/retiree/)
- [Internal](https://www.pacificawealth.com/client_type/internal/)