Archive | Financial Planning

Independent financial advisor | Santa Rosa CA

Brokers & Independent Advisors: What’s the Difference?

Most people aren’t aware that there are two very different types of financial advisors: brokers and independent advisors. Brokers Work for Big Financial Firms A broker is someone who works for a broker dealer, like the billion dollar firms Morgan Stanley or Merrill Lynch, a Bank of America corporation, employed to sell their products. Brokers operate with big advertising […]

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planning financially for aging parents

Caring for Aging Parents: What Should I Do?

My parents can’t manage alone any more. Are one or both of your parents having health problems, suffering mental lapses, or just slowing down with age? Do you find they can’t manage on their own anymore? If so, you’ll want to consider the various living arrangements that are available to older individuals. Before you begin, […]

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social security and financial planning

Facts About Social Security Benefits

It’s easy to take Social Security for granted when retirement is years away, but with 94% of the U.S. workforce covered by Social Security, it’s likely that this program will play a role in your financial future, perhaps even sooner than you think. Here are some facts and statistics from the Social Security Administration that […]

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senior couple in retirement

Are You Ready to Retire?

Here are some questions to ask yourself when deciding whether or not you are ready to retire. Is your nest egg adequate? It’s obvious, but the earlier you retire, the less time you’ll have to save, and the more years you’ll be living off of your retirement savings. The average American can expect to live […]

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How Can I Lower My Auto Insurance Bill?

Yes, you can. Insurance companies base auto insurance rates on a number of criteria, such as age, driving record, residence, and type of car driven. If you find that you’re paying more than you think you should for insurance, there are ways you can lower your premiums. Shop around: Auto rates vary from company to […]

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