Micro Financial Planning

I help my clients plan for the next 1-5 years. This was considered “short-term” planning in the world of personal finance. However, there is so much uncertainty in the world right now that planning for the future seems like an exercise in fantasy. Think back to a year ago… did you think 2020 would turn […]

The Election & the Market

I wanted to pass on some interesting information regarding the Election & the Market that I gleaned from a Ned Davis Research webinar on the topic today. Just like 2016, most people are freaking out about who might win. I get emails all time asking whether folks should sell or stay put in their investments […]

Time to Sell?

My dad always tells me “Trees can’t grow to the sky.” But look at this picture. Despite a continued global pandemic, economic contraction and millions unemployed, the stock market keeps on going. Many of the companies for which my clients work has seen their equity values continue to increase since March 2020. Can this rise […]

SPENDING IN A PANDEMIC

After a little light reading of “How Does Household Spending Respond to an Epidemic? Consumption During the 2020 COVID-19 Pandemic” from the National Bureau of Economic Affairs, I wanted to share with you some tidbits I found interesting. In late February until mid-March, stores were mobbed with long lines of people stockpiling groceries and other […]

Build Your Financial House

I have no idea where the phrase “getting your financial house in order” comes from. A quick Google search resulted in nothing useful. I guess the idiom makes sense since a house starts with blue print (plan) and is comprised of rooms that have purpose like a kitchen, bathroom and bedrooms (specific accounts or areas […]

Year of the Rat & Your Money

Say goodbye to the Year of the Pig, and hello to the Year of the Rat, the first year of the 12-year Chinese Zodiac cycle. Last year, the Pig was supposed to symbolize wealth and generosity, and be a calming force in world events. Hmmm, not so sure that manifested. The Rat is all about […]

When is Enough Enough?

In a culture of work and spend, there can be an endless search for more. However, research shows that money only affects emotional well-being  or happiness up to an annual income of ∼$210,000 per family, or ~$275,000 when adjusted for the cost of living in the Bay Area. Too much money can actually have a negative […]

Financial Activism

News Flash: It is expensive to live in the Bay Area. For most families with young children, every dollar is needed to live the life you want to live. There are the basic needs, and then add on childcare, home improvement, taking a vacation, saving for retirement and maybe putting aside something for college. What’s […]

Can you afford a family pet?

I love dogs, especially Golden Retrievers. I have always had a Golden in my life. I had Max, Toby, Jake, Clyde, Bow, Gussie and now Cali. I got Bow when I was in college and Gussie a few years later. Each dog lived to the age of 13, and each passed away when I had […]

Have Your Cake and Eat It Too- Freelance!

Do you want to work from home? Do you want more flexible work hours? Do you need to make some extra money to afford your desired lifestyle? Maybe it is time to join the Freelance Economy. In almost every industry, freelancing has become popular for professionals looking to take more control over their hours and […]