Irvine financial planner advisor
Skip to content

Saving For College

By Robert Pagliarini on February 8, 2016

According to Sallie Mae, U.S. families with one or more college students spent an average of $26,458 on tuition, housing, and linked expenses from 2017-18. Statistics like these underline the importance of saving and investing to fund a university education, but that effort has become optional to many. In its annual How America Saves for…

Read More

How to Save and Pay for College

By Robert Pagliarini on February 5, 2016

How can you cover your child’s future college costs? Saving early (and often) may be the key for most families. Here are some college savings vehicles to consider. 529 plans. Offered by states and some educational institutions, these plans let you save up to $14,000 per year for your child’s college costs without having to…

Read More

UGMA & UTMA Custodial Accounts

By Robert Pagliarini on January 31, 2016

If you want to save for college, you may wish to consider a UGMA or UTMA account. These custodial accounts are typically created by parents and other relatives who want to gift minors without having to set up a trust. Many parents and grandparents create UGMA or UTMA accounts as college savings vehicles. You can…

Read More

Read This If You Have An Education 529 Plan

By Robert Pagliarini on January 29, 2016

Do you have a 529 plan account? Then you will want to know about a pair of federal tax law changes which may benefit you and your student, one involving a February 16 deadline. As 2015 ended, Congress passed the Protecting Americans from Tax Hikes Act (PATH). Deep in its fine print were two “sweeteners”…

Read More

So What is Comprehensive Financial Planning?

By Robert Pagliarini on November 10, 2015

Just what is “comprehensive financial planning?” As you invest and save for retirement, you will no doubt hear or read about it – but what does that phrase really mean? Just what does comprehensive financial planning entail, and why do knowledgeable investors request this kind of approach? While the phrase may seem ambiguous to some,…

Read More

How To Improve Your Credit Score

By Robert Pagliarini on October 31, 2015

We all know the value of a good credit score. We all try to maintain one. Sometimes, though, life throws us a financial curve and that score declines. What steps can we take to repair it? Reduce your credit utilization ratio (CUR). CUR is credit industry jargon, an arcane way of referring to how much…

Read More

Your Financial To Do Checklist for the New Year

By Robert Pagliarini on October 27, 2015

What financial, business or life priorities do you need to address for 2016? Now is a good time to think about the investing, saving or budgeting methods you could employ toward specific objectives. Some year-end financial moves may help you pursue those goals as well. What can you do to lower your 2016 taxes? Before…

Read More

Year-End Financial Planning and Tax Planning

By Robert Pagliarini on October 22, 2015

The end of a year makes us think about last-minute things we need to address and good habits we want to start keeping. To that end, here are seven aspects of your financial life to think about as this year leads into the next… Your investments. Review your approach to investing and make sure it…

Read More

A Unique Strategy To Long-Term Care Insurance

By Robert Pagliarini on September 24, 2015

The price of long term care insurance is really going up. If you are a baby boomer and you have kept your eye on it for a few years, chances are you have noticed much costlier premiums for LTC coverage today compared to several years ago. For example, in 2015 the American Association for Long-Term…

Read More

Understanding Why Life Insurance Matters

By Robert Pagliarini on September 22, 2015

As a recent article noted, 43% of Americans have no life insurance. Some view it as optional; some have simply procrastinated when it comes to buying a policy. Others believe that they can’t afford it. In reality, life insurance is cheap today. If you just want term life coverage – essentially life insurance that…

Read More
Reach us at (949) 305-0500