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Top Five Regrets of The Dying

As a comprehensive financial planner I often engage clients in discussions about working toward aligning their deepest held values with their practical goals. The aim being to live a better more fullfiling life and being sure that all your daily efforts are working towards meaningful outcomes.

Is $100,000 middle class in America?

There’s a prolonged pause when I ask Lyft driver Gaby Osegueda if her family is middle class. Her smile fades as she thinks about it for a while.

“Yeah, I think so. I don’t even know what the middle class is anymore,” says Osegueda, who with her husband earns nearly $100,000 a year in the San Francisco area.

Credit Reports - A Timely Subject

Given the recent spate of revelations of new (and old) data breaches endangering millions of American's financial identities, I thought it might be a good time to revisit a John Oliver clip from 2014 on American's relationship with their credit reports. See the video after the jump...

Americans, Gun Deaths and Gun Ownership - Correlations Anyone?

75% or more of all Americans think we should  regulate guns more strictly. The other 25% won't change their mind until someone in their family is killed by a senseless and evil maniac. Have a look at these charts and tell me there's no correlation....

Winners and Losers - Are Amazon, Facebook, Apple and Google a Universal Good?

Apple, Amazon, Facebook and Google are the revered Big Four of American companies that everyone  admires. They've changed how we interact with the world and make tons of money doing it. One itsy, bitsy problem though. They are not good corporate citizens. They don't break laws but their moral compass may be a bit off. To see and judge for yourself please view this video by

The Market's Response to Crisis

The 7 Retirement Planning Questions

If you can't answer these seven questions confidently, then you need to work with a financial planner...

1. How will we fund our living expenses in retirement?

2. What do we we need to know about required minimum distributions (RMDs)?

3. Do we need Long Term Care (LTC) insurance?

4. When and how should we start taking social security benefits?

5. When should we apply for Medicare?

6. Is our investment allocation too risky?

7. What would happen if we died today?

Hint...see below for quickie answers to the above questions:

Getting Your Money's Worth in Higher Education

My alma mater, U.C. Berkeley, is often at the top of domestic and global ranking for academic reputation. However, its interesting to note a recent study showed Cal to be among the best values for your education dollars as well. The data was published in Money Magazine and comes courtesy of the UC Public Affairs office.

The Ever-Expanding Universe of Social Media

Study up! There will be a test on Monday!! 

Quote of the Day....

A Fanatic is One Who Can't Change his Mind and Won't Change the Subject.


                                                 ~ Winston Churchill

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