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 […]

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 […]

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 […]

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 […]

Important Things to Consider Before Starting a New Business

September 16, 2014 No Comment

As an attorney with a practice focusing on Business Law and Estate Planning, I have met a fair share of individuals who have started businesses without doing the proper legwork and without knowing what they were getting themselves into. Before long, problems with business partners, legal issues, and money issues throw the business into a […]

The History of Credit Scoring

August 7, 2014 No Comment

The origin of credit scoring dates back to the 1950’s. The purpose of its design was to provide lenders with financial profiles on consumers who wished to borrow money. The structure of the credit scoring model seeks to reflect the likelihood of an individual to pay off debt without being more than 90 days late […]

Estate Planning for New Parents and Parents-To-Be

July 14, 2014 No Comment

About a year ago a friend called me and asked if I wanted to join him on a skydiving trip. Two years ago I would have jumped at the opportunity, however this time there was something different. Before I answered him, I started to think about my life insurance policy and if I had made […]

Educational and Estate Planning Event

May 27, 2014 No Comment

YOU are cordially invited to attend an educational, estate planning event to be held on Tuesday, June 3rd, from 7 to 9 pm at the Doubletree Hotel, Carmel Valley (11915 El Camino Real, San Diego, CA 92130). The focus of this event will be on asset protection planning and also the benefits of appointing a […]