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Why Clients Want An Independent Financial Advisor

By Robert Pagliarini on September 9, 2014

Times have changed – and so have financial advisors. Today, people don’t want financial advice from a salesman. Instead, they want a relationship with a financial professional who is candid, trustworthy and thoroughly educated, and who provides personalized financial consulting for each client. That search often leads them to a fee-based or fee-only financial advisor…

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How to Stop Falling Into Crippling Spending Habits

By Robert Pagliarini on July 3, 2014

Americans have a great deal of disposable income relative to many other nations, yet our free spending can take us further and further away from the potential for financial freedom. Some people fall into crippling spending habits and injure their finances as a consequence. Bad habit: failing to save. Saving – saving even $50 or…

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Pacifica Wealth Advisors is a Proud Supporter of Suits for a Cause

By Robert Pagliarini on June 24, 2014

Pacifica Wealth Advisors is a proud supporter of Suits for a Cause, an annual event that brought together more than 50 legal and financial firms, groups and companies in 2014. The annual clothing drive is sponsored by WHW (Women Helping Women/Men2Work), an Orange County non-profit organization that provides comprehensive employment support services for low-income men, women and…

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Tax & Financial Concerns for Same-Sex Couples

By Robert Pagliarini on June 4, 2014

The playing field is level – but only at the federal level. A year after the Supreme Court’s landmark decision in U.S. v. Windsor, financial options have definitely improved for gay and lesbian couples who have married or intend to marry. Irritating residency issues remain, however, en route to true equality. Residing in a state…

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6 Steps for Getting Out of Debt

By Robert Pagliarini on May 10, 2014

Positive moves to counteract negative cash flow. The financial analysis website nerdwallet.com keeps track of the various debts common to the U.S. household. As of April 2014, they’ve found an average mortgage debt of $154,365. They have also discovered an average household has $7,087 in debt from credit cards, but when the numbers are revised…

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How to Handle Student Loan Debt

By Robert Pagliarini on May 6, 2014

Are student loans holding our economy back? Certainly America has recovered from the last recession, but this is an interesting question nonetheless. In a November 2013 address before the Federal Reserve Bank of St. Louis, Consumer Financial Protection Bureau Assistant Director Rohit Chopra expressed that college loan debt “may prove to be one of the…

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“Age of Oversupply” Book Review

By Robert Pagliarini on May 1, 2014

I just finished a new book titled, “The Age of Oversupply” by investment banker, Daniel Alpert. His thesis is that the current economic malaise the U.S. and other countries around the world are experiencing is the result of three factors: 1. Oversupply of labor 2. Oversupply of capacity 3. Oversupply of capital He goes into…

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When Was the Last Time You Reviewed Your Life Insurance Coverage?

By Robert Pagliarini on April 26, 2014

When was the last time you looked at your life insurance coverage? Why not do it now? Life insurance can be a remarkable utility as an estate planning and tax-saving tool. Whether you have no life insurance, or you haven’t reviewed your policy in a while, it is always a good idea to be aware…

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Are You Vulnerable to the Heartbleed Threat?

By Robert Pagliarini on April 17, 2014

A plague at the heart of the Internet. Anyone who ventures online should be aware of the risks posed by Heartbleed, the biggest threat to Internet security in at least a couple of years. All Internet users need to respond to its reality. What is it? Heartbleed isn’t a virus, but a software bug –…

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