Inverted Yield Curves and Licorice

Many years ago, when I was about seven years old, my family went on a road trip.  I remember being excited for the journey, but at the same time concerned for the upcoming 10-hour drive.  

In order to make the trip more enjoyable, I spent time earning/saving money so I could buy a couple treats to take with me.  As the trip neared, I purchased my favorite candy, licorice (Red Vines was my brand of choice, for anyone who cares to know).

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The Scammers Are at It Again...This Time Pretending to Be the Social Security

We know that identity theft is a real issue.  Scammers deliberate use of someone else’s identity for financial gain is unfathomable to most, but a reality for many.

In 2015, my family members and I were targeted as part of the Internal Revenue Service (IRS) data breach which resulted in some of our personal information being stolen.  These experiences are very frustrating but seem to be becoming more and more common (think of Target back in 2013, Equifax in 2017, etc.).

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Putting the "I" in "QBI"

Recently my 18-year-old son spoke with me about creating a Roth IRA (he heard about it in his high school economics class).  It brings me great joy to have my son, at such a young age, think about his future. 

In his mind the decision was straightforward (I have cash and want to place it in a Roth IRA) but there are several rules he needed to understand in order to make a well-informed decision.  Many aspects of life are like this – the decision seems to be forthright, but often there are rules to consider. 

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The New Tax Law and Charitable Contributions

As we gear up for the upcoming tax season, we think it is appropriate to remind you of a couple tax planning suggestions that may provide you a tax benefit.  As a reminder, at the end of 2017, Congress passed the most comprehensive change to the country’s tax laws since 1986.  One of the key changes, for individuals, relates to itemized deductions and the “new and improved” standard deduction.

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Emergency Preparedness

Our thoughts and prayers go out to those who have suffered from one of the many natural disasters that have occurred around the world.  For those of us in the San Francisco Bay area, the most recent Camp Fire disaster hits close to home.  The fire, which leveled the town of Paradise, has resulted in the confirmed deaths of 84 people and counting.  While some disasters occur very quickly, others move very slowly (sometimes imperceptibly slow).  Considering these disasters, we would like to share ideas on what you can do right now to be better prepared.

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5 Proactive Tips for a Happier Retirement

Picture this—it’s Friday afternoon, your work is done, and you have the weekend ahead of you.  But, what makes this weekend different than any other weekend is that you have a two-week long vacation following it.  You wish your colleagues well, they express similar thoughts, and you head toward freedom.


Of course, you’re excited!  Travel, new experiences, time away from the mundane, and time to recharge. 


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Hanukkah, Christmas, New Years and...Taxes

Happy Holidays to all.  In the midst of enjoying time with family and friends, Congress and President Trump gave us another thing to consider this holiday season – a new tax law.  While you would be correct to think that the majority of the provisions of this tax law apply to 2018 and beyond, there are a few things you should consider before the New Year.  Here is a list of things you should consider along with a summary of other changes to the tax laws.

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