Like many people during this weird time, 2020, people are using their newly found freedom to do something different. If you. have ever thought about utilizing your time and starting a business one question you may ask yourself is, where do I start? Well, today you’re in luck! We sat down with our resident tax…

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A recent survey found that working households experiencing financial strain due to the pandemic have not been inclined to make withdrawals from their 401(k)s to help make ends meet. In fact, the vast majority haven’t even changed their rate of contributions. Instead, these households are relying on the “old standbys” of surviving during economic decline:…

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The Power of IUL I have been in the business for 34 years, so to say that I have seen a lot would be a dramatic understatement! It also seems that with any financial change, it’s imperative to stay informed, up-to-date on all the latest terms, investment ideas, taxes, current market climate, and so on.…

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This is a heart wrencher. Last week Pat was in San Diego and a gentleman he met told him the story of how his mother died. As a family the didn’t have the resources for in-home health care and she was placed three an a half hours away in a state facility. To even be…

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Today on the podcast, Dr. Christine Wilkinson. For her full bio see below, however, she is undeniably a force. Our conversation took us from her upbringing to her current position at ASU as Senior Vice President and Sectary of the University. That’s the entire university… We couldn’t be more honored and excited to have her…

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Let’s have an honest conversation about your retirement plan. Most people just give their money to Vanguard, Fidelity, or some big box firm. We hope and pray they do their job without investing any time to understand what they are doing. Pretty standard, as you are an expert at what you do and they are…

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Life Post Corona Virus  By: Jesus Ramirez       Last week another 6.6 million people filed for unemployment bringing the total to 16 million.  What does this mean for the economy as a whole?    This means that at least 10% of the workforce is without jobs. 16 million Americans who aren’t spending as much if at all beyond the basic necessity. And yet we see the market continue to rally.     There is a disconnect between companies continuing to lose revenue and…

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To Sell or not to sell post headling

We know that the stock market has been really crazy and today is just another example.   Over the last couple of months, we have had 8 out the 10 largest daily point drops ( 2,997.10 on 3/16/20 was the largest point drop). However, we have also had 5 of the biggest point gains as well (1,985 on 3/13/20 the biggest) We know that the stock market has been really crazy, and many people have been calling asking if they should sell or hang in there, so the answer is quite easy….it depends!! Personal financial planning starts with taking a full inventory, a personal assessment of where you are. You should be asking? Do I need income? How much? Is that income stream still covering all my needs? If any of those have changed, then you…

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