saving your money

Do You Know Where Your Money Is?

It’s the end of the year! Do you know where your money is? December and January are the perfect months to look back at what you earned, saved and spent during the past year. Take some time to get your financial house in order at this time. How much have you saved? Whether you just […]

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financial news

What Rate of Return Should I Expect from Stocks?

That depends on many factors, including your time frame, and the types of stocks that are part of your portfolio. Many retirement planning calculators project a portfolio’s future value based on historical returns. However, please remember that past performance is not a guarantee of future results, and it is always good to question such assumptions. […]

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rising rates

How Can I Deal with Rising Interest Rates?

Recent Concern Many investors are concerned about the recent, inevitable rise in interest rates, which has caused some holdings to experience a short term, sharp drop in value. Expert Opinions A number of experts have recently spoken on this matter. Here are some of their thoughts: Tom Brakke, an investment advisor who specializes in the […]

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senior couple in retirement

Making the Most of Your 401(k) Plan

A 401(k) plan represents one of the most powerful retirement savings opportunities available today. If your employer offers a 401(k) plan, and you’re not participating in it, you are not taking advantage of one of the most efficient investments that can be used for retirement. Contribute As Much As Possible The more you can save for […]

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financial analysis

Just How Risky Is Your Investment Portfolio?

If you’re like most people, you probably evaluate your investments based on their return. However, return isn’t the only factor you should consider…also important is the amount of risk you accept in pursuing those returns. The term “risk” is often understood to mean the risk of loss. However, a portfolio is generally a means to […]

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Welcome to Our Financial Planning Blog!

Hello, I’m John Kamola, a financial advisor and CERTIFIED FINANCIAL PLANNER™ professional located in Santa Rosa, California. I work with clients throughout the North San Francisco Bay Area to help them achieve their life goals through financial planning. Welcome to my financial planning blog! There’s a lot to talk about when it comes to planning […]

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