The Carmel Valley Life | Archive

Difficulty in Financial Planning for Singles

It is not uncommon for people to assume that financial planning for singles is easier financially than married people. However, if you step into the shoes of a single person you will quickly find that it takes more than 50% of what a married couple needs to live on singlehandedly. In other words many people think […]

April 21, 2020 / No Comment / Read More

Money and Happiness – How Money Can Buy Happiness

March 24, 2020 No Comment

Often the question asked is, can money buy happiness? While the answer I am given from my well-heeled clients and friends typically begins with a defensive sounding no, when they expand on their reply they generally finish it by agreeing it does provide them things that make them happy. Research seems to be inconclusive when […]

Selecting a Guardian for Your Children

February 12, 2019 No Comment

The birth of a child is an important time to begin your estate planning, if you haven’t already. Not only will you want to plan and protect your child’s inheritance, but of more concern may be deciding who could care for your child when you are unable to and incapacitated, or if you’ve passed away […]

What is Estate Planning?

February 5, 2019 No Comment

Estate planning allows you to control your property while you are alive, take care of you and your loved ones if you become disabled, and give what you have, to whom you want, the way you want. It also allows you to save every last tax dollar, professional fee and court cost legally possible. An […]

Dividing Assets In A Divorce

January 15, 2019 No Comment

In a divorce settlement, you don’t get do-overs. Doing your homework and enlisting the help of trusted professionals, including a Certified Divorce Financial Analyst ™ can prevent costly mistakes. Few times of crisis require immediate, clear-headed financial thinking like a divorce, so arm yourself by gathering every scrap of information on your finances. Request your […]

Hera Venture Summit to Unite Female Angel Investors and Startups

September 28, 2015 No Comment

Summit to feature entrepreneurship and investment experts and interactive discussions On Saturday, Sept. 19, Hera Venture Summit hosted its “Building Bridges” one-day intensive event for female angel investors and woman-led startups. The all-day event turned the tables on venture investing by connecting women founders and funders so that more female angels invest in female entrepreneurs. University […]

Retirement – Between a Rock and a Hard Place

August 28, 2015 No Comment

Where you might find yourself when looking at your chances of achieving retirement success and some tips to soften the blow. As a financial professional, I constantly talk with people about their retirement goals and while the expectations of my clients may vary when it comes to specifics of how they will spend their “Golden Years”, […]

Protecting Your IRA or 401k for Your Children

July 8, 2015 No Comment

If you have children and if they inherit your IRA or 401k, they have other options available instead of having to take all of that money immediately upon inheritance out of the IRA or 401k and paying taxes on it. They can stretch out the money they inherit from your account and use it over […]

What You Should Know if You’re Considering Transferring Property Via a Trust

April 15, 2015 No Comment

What is a Step Up in Basis? And Why Should I Consider Transferring Property Via a Trust? There are number of reasons to create a Trust. Some of them involve avoiding Probate; others may involve avoiding conflict between heirs. However, one that most people don’t think about is avoiding capital gains taxes. I recently had […]

Social Security Benefits – A Q & A

January 9, 2015 No Comment

By no means is this article covering all of the intricate complexities of how to make the most of social security, however it does answer some keys points that can be helpful to know. What is “Full Retirement Age”? Relative to social security, it is the age at which a person may first become entitled […]

Conference To Encourage Asian Investments & Entrepreneurship

November 4, 2014 No Comment

Four-Day Conference Nov. 19-22 at the California Center for the Arts in Escondido will be presented by the Asian Heritage Society and County of San Diego and hosted by San Diego County District 3 Supervisor Dave Roberts. Major participants include CONNECT of San Diego, North San Diego Business Chamber, San Diego Regional Economic Development Corporation, Alliant […]

Merging Money Matters in Marriage

October 22, 2014 No Comment

No matter how much or little you have, matters of money illicit stress in people’s life and for many couple’s, fights over finances can break up the union. In an effort to avoid unnecessary battles, there are some planning steps you can take in advance of tying the knot. Talk about finances Keep finances out […]