Planning

IRS Announces 2019 Retirement Plan Limits

The Internal Revenue Service has announced cost-of-living adjustments for 2019, which affect dollar limitations for retirement plans and other retirement-related values. Almost all limits increased from 2018 to 2019. 

The 2019 limits are as follows:

401(k) Deferral Limit – Increase from $18,500 to $19,000

ERISA Bonds vs. Fiduciary Insurance

With so much attention lately on fiduciary duty, as well as the surge of fiduciary litigation this past year, plan sponsors would be wise to explore their insurance options. While the ERISA fidelity bond (also referred to as a “fidelity bond” or “ERISA bond”), is required for all plans, there are other options as well.

A Minimalist Lifestyle

Simplifying your life isn’t about your possessions — it’s about value.

Easy in Theory, Difficult in Practice

On the Difficulty of “Buy and Hold” and the Importance of a Financial Advisor

Roughly 60 miles east of Portland, Mount Hood is the most visited snow covered peak in America. Despite rising 11,240 feet into the skies of northern Oregon, it is considered a “beginner’s mountain” with over 10,000 climbers reaching the summit each year.

Hate Making Financial Decisions? Here's Why

It turns out using your head is not the right advice...

The New Tax Law and Your Retirement Plan

After many rounds of negotiations, Congress passed the Tax Cuts and Jobs Act on December 20th, 2017.  Though retirement plan limit reductions were included in many iterations of the bill, the ultimate effect on qualified plans was relatively minimal.  There are two items of note that were included in the new law affecting loan repayments and IRA conversions.

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.

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...

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.

How "Living Within Your Means" Looks for Affluent Vs. The Average Family

To “live within your means” simply means to spend less on your lifestyle than you generate in earnings. Your “means” is your income. To live within that threshold, spend less than you earn.

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