Author Archives: admin

Financial Planning – A Historical Summary and Insights for the Future

Cultures have different traditions in greeting the New Year. However, there are some similarities. Make noise – firecrackers routed the forces of darkness in China, Thais fired guns to frighten off demons, and Swiss pounded drums. Eat lucky foods – … Continue reading

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The Silk Road and Planning for Federal Employees

Beasts carried and merchants traded silk, porcelain, gold, spice and gunpowder along a 4,000 mile corridor between China and Greece for almost 2,000 years. It was called the Silk Road, and started about 200 BC when wealthy Romans sought soft … Continue reading

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3 Mistakes with 529 Plans to Avoid

Across America, some 20 million college students return to campus. Some prepare for their future, others intend to change it. And an interesting trend is emerging – tuition costs are growing at a slower rate.  According to the College Board, … Continue reading

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Retiring Sooner

The Transcontinental Railroad brought thousands of settlers westward. In 1879, people began eyeing a dusty region known as the “Unassigned Lands.” The early group of supporters and promoters were known as “Boomers.” Farmers and ranchers sought new virgin territory to … Continue reading

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College and Career Readiness – New Hope on the Horizon

Rich Dad, Poor Dad author Robert Kiyosaki says “Financial freedom is available to those who learn about it and work for it.” A significant part of employee financial security comes from five benefit areas. However, first you’ve got to set … Continue reading

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2 Areas That Will Make You Revisit Your Retirement Plan

The USS Enterprise stood as a formidable power and deterrent for half a century. She’s almost four football fields in length, has a flight deck that spans four and a half acres and weighed 94,000 tons. The “Big E” sailed … Continue reading

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Use Your $1.5 Million Wisely

Whaling played an enormous role in American life for almost 200 years. Over two thirds of the world’s 900 whaling ships sailed from American ports and making many East Coast ports rich including New Bedford, Massachusetts and Nantucket. Whale oil … Continue reading

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Avoid Complacency – Time Catches Up

Avoid Complacency – Time Catches Up Stewart Stafford said, “The quickest way to run out of time is to think you have enough of it.” Time catches up. Sometimes it’s a doozy. How can we keep our futures bright? There … Continue reading

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The Art of Retirement Cash Flow

Part of the Oakland skyline is slowly vanishing as the demolition of the east span of the Bay Bridge continues. The bridge was built in the Great Depression. It was a “double decker” with two spans – western section connecting … Continue reading

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Payoffs of Working Beyond 65

Working and collecting Social Security is a taxing problem. “Why should I work if I’m going to lose benefits to taxes, or even get my benefits reduced?” The rules are complex. However, they’re important because working during retirement is becoming … Continue reading

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