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Retirement is a Dirty Word!
As I write this, we are approaching another Labor Day which is the unofficial end of summer. The end of summer traditionally marks a return to school, a change in the weather (But not in Southern California where our offices are located, as Labor Day is usually the start of our hottest weather), and soon…
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Health Savings Accounts – The Tax Planning All-Star
When it comes to saving on taxes, the “Holy Grail” is a vehicle that is considered triple tax free. This means that: (1) contributions would be tax deductible, (2) earnings would grow tax-deferred, and (3) distributions would come out tax-free. I have specialized in the advanced tax planning arena for a large part of my…
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Market Update – 1st Quarter Review and Outlook for a Post-Pandemic Economy
As the US ramped up its Covid-19 vaccination campaign, stocks rallied strongly in the first quarter. The S&P 500 posted a solid 5.77% gain. Bonds, meanwhile, were down as inflation fears began to have an impact. With a post-covid economic recovery in sight, investor enthusiasm has lifted stock prices in anticipation of significant earnings improvement.…
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For Your Financial Plan- Be Like Gumby
When it comes to financial planning, being flexible is the key to long term success. Whether you are a pre-retiree or recently retired, you are potentially facing a 25-to-35-year retirement. With the current trend of increasing longevity, you could spend more time in retirement than you did working. So, what does this have to do…
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COVID Financial Relief Package Signed Into Law
After months of negotiation, and some last-minute drama, President Trump finally signed the “Appropriations Act of 2021” which will give at least some financial relief to individuals and businesses. This “stimulus” bill provides direct cash payments to most individuals, extends federal unemployment insurance, and allows some income tax deductions for businesses and individuals. It also…
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Market Update – Post-Election Outlook
The election has passed and although the outcome remains contentious, we are edging closer to the electoral vote on Dec 14 and certification of the final outcome. The market has posted solid gains since Nov 3 and appears to be looking past election uncertainty and factoring in expectations of economic recovery in light of covid-19…
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Smart Tax Strategies to Consider Before 2020 Ends
Our motto here at Anchor Bay Capital is: “It’s not what you make but what you keep that counts.” We live this motto daily and incorporate it into every aspect of our comprehensive financial planning, tax preparation and investment management services. As we near the end of a very eventful year, there are still things…
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The COVID Crisis has Caused a College Planning Crisis
This year has been one like no other. The COVID pandemic has turned our everyday lives upside down, caused the tragic loss of over 200,000 lives, cratered the economy and ruined people’s financial plans. While not having as significant an impact as losing your job or not being able to pay your bills, your college…
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House Rich & Cash Poor – Paying Off Your Mortgage
As you near retirement, there are many things to worry about: running out of money, rising health care costs and nursing home care for example. Another big concern is “where do I live during retirement?” According to an AARP study, most people have a strong desire to remain in their current home for as long…
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