The Imperfect Income Solution

Recently I attended a conference that had some amazing statistics when it comes to generating income. In 1980 to generate $100,000 a year in interest income utilizing shorting term bonds you needed a total of $763, 395. In 2016 to generate $100,000 a year in interest income in short-term bonds, you need a total of $13,888,901. You need over 14X …

5 Mistakes to Avoid After Getting Laid Off.

Our office is located in Chandler, AZ. Chandler is home to numerous Technology companies such as Intel, NXP, and Microchip. Recently several of these companies have gone through company-wide reductions in their workforce. It can be a shocking situation. After 20 years you are out of a job and you just received a package from your former employer with an …

Diversification-2016 edition

I have been in financial services since the late 1990s. A lot has changed during that time. The internet is no longer America Online. Technology has changed the way the world shares information. This information is available to everyone, all the time, anywhere from your cell phone that you probably use more for things other than making a phone call. …

How to Live Within Your Means

SPEND LESS THAN YOU EARN This may seem obvious; however, it must be said.  If you spend less than you bring home, then you will begin to accumulate wealth!  It is almost too easy to make purchases these days.  Within a minute, anyone can think of a product, order it on Amazon, pay for it with a credit card already …

Do I need an Attorney to settle an Estate?

With proper planning, the answer should most commonly be no.   I have always thought that the point of proper estate planning was to avoid probate, minimize legal expenses, minimize estate taxes, and minimize income taxes.  I have always believed that it is easier to avoid a problem than it is to solve one. A lot of people are confused by …