Estate planning for your digital life

With so much of our financial and personal information now online, estate plans must address the fact that our digital selves will outlast our human selves. Loved ones left with the unpleasant task of navigating and penetrating the digital maze can inherit a complicated puzzle. Your online banking account, email accounts, Facebook page and even […]

On ‘alternative investments,’ be aware of risks

“If it sounds too good to be true, it probably is.” Though you’ve probably heard that many times, it’s still a good reminder when considering alternative investments. Caution is always advisable when investing, yet when it comes to these ‘opportunities’, extra due diligence is needed. Here’s why: these loosely regulated investments can be risky, lack […]

Retirement tax planning may require a new tack

October 21, 2013 – Published in the North Bay Business Journal Threat of higher future taxes could mean withdrawing IRA, 401(k) funds earlier Why would anybody pay taxes when they don’t have to?  This is the typical response that financial advisers hear when discussing tax saving strategies with retired clients.  Retirees are focused on maintaining […]

Why Resisting our Emotions Can be Better for Long-term Success

March 18, 2013 – Published in the North Bay Business Journal Does the current bullish market awaken latent urges in you for bigger returns in your portfolio? If so, you’ll be interested in the new science of neuroeconomics and current research about investor behavior and emotions. Jason Zweig , personal finance Wall Street Journal columnist […]

The Clock is Ticking Toward New Tax Laws in 2013

December 3, 2012 – Published in the North Bay Business Journal Tax laws are likely to change in 2013, and now is the time to take advantage of some of the most advantageous estate tax benefits you may see in your lifetime. This assumes that you have a carefully conceived estate plan which allows you to […]

Investment Genius of a 5th Century Greek Slave

Wealth Matters                  Welcome to our new monthly column about building wealth, managing money and smart investing. The column is authored by the partners of Willow Creek Financial Services, Sebastopol, one of the leading wealth management companies in California.  As financial planners and investment advisors, we study market trends and research, and are privy to […]