Returns from growth investing have substantially greater than those from value investing over the last decade. Looking back over the last 100 years or so, this isn’t the norm. Will value ever come back, or…
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A Review of the CalSavers Retirement Savings Program
If you’ve been following the California legislative process at all, or if you own a business that employs people in California, you may have heard of the CalSavers Retirement Savings Program. In 2016, Governor Jerry…
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What I Learned at XYPN Live 2019
Today’s post is a follow up to last week’s post. There are a few conferences I try to fit into my travel schedule every year. XYPN Live is one of them. XYPN is an acronym…
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What I Learned at Fincon19
Like most jobs, my work requires a little bit of travel every year. Since we moved down to Sacramento from Portland, I head back up to Oregon 2-3 times per year to see clients. I also attend…
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A Tax Hater’s Guide to Investing: 5 Tax Free Investment Options Outside of the Roth IRA
Good investing includes minimizing taxes wherever possible. If you’ve followed me or the blog for long you’ve probably picked up on the fact that I’m a big fan of the Roth IRA for this exact…
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How to Evaluate a Real Estate Investment
The concept of acquiring rental properties as a means to build passive income has become exceptionally popular recently. In fact, it’s difficult to peruse the internet for content on personal finance without bumping into videos/podcasts/blogs/courses…
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72t Distributions: The Ultimate Guide to Early Retirement
What’s the most common piece of retirement advice you’ve ever heard? I bet it has something to do with tax advantaged retirement savings. Most people are inundated with voices telling them to start saving early…
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What Everyone Ought to Know About Long Term Care Insurance
You’ve seen the stats. Long term care is expensive, and we’re all likely to need it at some point in our lives. The cost of spending time in a nursing home or assisted living facility…
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How Long Is Your Runway? Establishing a Cash Reserve When Starting a Business
Starting a business involves a great deal of risk. You’ve probably run across this statistic from the small business administration before: 30% of new businesses fail in the first 12 months of operations. 50% fail…
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A Beginner’s Guide to Cash Balance Plans
In my financial planning practice I work with a good number of business owners who want to make aggressive contributions to their tax deferred retirement accounts. This helps put them on strong footing for retirement,…
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