There’s no two ways about it – the COVID-19 pandemic has been a historic moment around the world.  From the financial markets to our daily lives, many of the norms we took for granted back at the beginning of the year have been shaken up.  Given the unprecedented nature of this disease’s impact on...

The Biggest Investment Mistake

by David L. Johanson on

Sometimes the science and art of investing can go astray with an error in judgment.  Panic selling is by far, one of the biggest impediments to a person not meeting their goals.  Decades of study have gone into behavioral finance and how we react to certain factors.  Findings state our emotions can...

Regular Exercise Linked to Success in Life

by David L. Johanson on

It should be no surprise to hear that exercise is the cornerstone of a healthy lifestyle.  With the help of a balanced diet, exercise can help you achieve personal fitness goals, whether you want to lose those extra pounds before swimsuit season or get the six-pack abs you have always wanted.  The...

Be Strong. Be Prepared.

by David L. Johanson on

I am staying glued to the news as the Bay Area evacuation alerts are updated.  My daughter and her family live in Morgan Hill, west of Anderson dam.  As the fire raged on the east side of the dam, worries mounted.  She brought over some boxes to store in my garage.  This forward thinking is critical...

What a Difference a Year Makes

by David L. Johanson on

A year ago, I was sitting in our comfortable conference room, meeting with clients, as they sipped on a hot cup of coffee out of fine china.  Fresh baked cookies were sitting in our reception area for clients to enjoy, as soft music filled the office.

This week, we did not see a single client in...

To Do or Not to Do – RMD Rules for 2020

by David L. Johanson on

The Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law on March 27th, 2020.  It was designed to sustain and stimulate the economy.  One temporary new rule suspended Required Minimum Distributions (RMDs) for retirement plans.

Normally, clients must withdraw a...

Playing the Averages

by David L. Johanson on

If I flip a coin, there is a 50-50 chance I will get heads.  If I walk into a casino and put my money on the table, the odds are stacked against me.  If I purchase a broad-based, diversified stock market index at the beginning of the year, historically, the odds would have been in my favor.


CARES Act Overview

by David L. Johanson on

On March 27, 2020, President Trump signed into law the Coronavirus Aid, Relief, and Economic Security (CARES) Act.  The bill was approved 96–0 in the Senate and passed by voice vote in the House of Representatives, with the intent of providing financial aid to families and businesses impacted by the...

Survival Tips for Stock Slips

by David L. Johanson on

Over the years, I have learned a few lessons as stock market interruptions worry us all.  

Here are some useful thoughts during this latest coronavirus concern:

  1. Consider taking a break from news media.We suffer more from an infodemic than we do from a pandemic.  The media can be misleading at...

Your Game Plan for Retirement

by David L. Johanson on

A client said to me, “I plan to retire this year.  My nest egg seems sufficient and the economy appears fine.  Am I missing something?  Is there anything on the horizon, financially, that could make retiring right now risky?”

What a great question to start 2020 off.  We have had a fantastic run...

Never Discuss Religion or Politics, However…

by David L. Johanson on
We've all heard it—never discuss religion and politics. It’s easy to understand why. Some folks hold very strong opinions, and it’s easy to get swept up into an unwinnable argument. Did you know politics and religion aren’t considered the most difficult subjects to discuss with others?