To Roth or Not to Roth?

Many earners are in the smart retirement savings habit of making pre-tax contributions to company or individual retirement plans, such as a 401(k), 403(b) or SEP IRA.  Strong incentives include a tax deduction for the contribution and often some form of employer match or contribution.   Accumulated contributions are then invested, usually in stocks and bonds, […]

Discover if You Have Enough Saved to Retire

Will you be able to maintain your lifestyle after retiring? According to research, significant numbers of working families are “at risk” of failing to maintain their standard of living once they stop working. Decades ago, most employees put in the required years of service to achieve their desired income goal and collect a check in […]

Finally, some good news on college financing

For those of you fretting about sending Junior off to college with fears that you don’t have the income or the savings to pay for college, here is some good news for you. Over the last five years the increase in the cost of college has slowed (when compared to the two previous five year […]

In the long run, the short term is irrelevant

March 3, 2014 – Published in the North Bay Business Journal You may have heard economists or especially wise investors say something like, “Short-term, the stock market is like a voting machine, but long-term it acts like a weighing machine.” That’s a quote attributed to legendary value investor Benjamin Graham. Mr. Graham was an Ivy League […]

Year-End Money Moves

December  2013 – Published in the North Bay Biz Magazine As 2013 comes to a close, now is the time to take stock and review your personal financial situation. This will give you the opportunity to reflect on what needs to be changed and attended to as you continue to build financial security for the […]

The full story on municipal bonds

September 30, 2013 – Published in the North Bay Business Journal Despite highly publicized ‘defaults,’ they remain a key element in a portfolio Investing in municipal bonds is appealing to many investors because interest income is typically exempt from federal taxation and, if the investor resides in the state of issuance, state and local taxation […]

A Financial Guide for Teens to Retirees

May 27, 2013 – Published in the North Bay Business Journal Each day we make small financial choices that reflect our personal spending and savings habits. These habits are formed by our early experiences with money, along with an understanding of the opportunity and consequences of our financial choices. From teenagers to retirees, here’s a […]