Category Archives: Uncategorized

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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Why Isn’t There a Hug Your CPA Day?

Some surprises bring great joy – a call from an old friend, a door opened, or an unsolicited “You’re awesome!” But walking into your CPA’s office and saying “Oh, one more thing… Did I tell you about something that happened last year?” is … Continue reading

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Your Guiding Angel

Frank Capra’s film “It’s A Wonderful Life” was released in the winter of 1946. It would take almost three decades before it became a classic. The finer things in life tend to take time. Senior Angel: “A man down on … Continue reading

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A Christmas Eve Truce

A cross stands in a field in Saint Yves, Belgium, commemorating a site of something special. The plaque reads “1914 – The Khaki Chum’s Christmas Truce – 1999 – 85 years – Lest we forget.” Withering machine gun and artillery … Continue reading

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Changing Your Game with Trump Cards on the Table

We’re taught two “don’ts” – don’t talk politics and don’t throw stones. However, we have a new reality, and for many, Trump’s victory was a surprise. Client conversations involve the elephant in the room – “What changes should we make” … Continue reading

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Worst President Ever

Who will be the better President, or who will be worse? Historians also argue who was the worst? Perhaps Warren G. Harding for the scandals that plagued his short term or Woodrow Wilson who lead us into WWI. However, James … Continue reading

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Money Market Reform

How concerned would you be if your cash reserve account balance fluctuated – hopefully by not much – reflecting short term conditions?  Say you normally held $30,000 in a money market account as cash reserves, and it might range $29,850 … Continue reading

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Scary Markets

Let’s play a game. I offer your choice of (A) $1 million in cash now, or (B) a magical shiny penny that doubles in value daily for 31 days. Which do you take? Of course it’s a trick question. Take … Continue reading

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The Popularity of Pessimism

Barbarity swept the European continent between the 5th and 12th centuries by marauding Vikings as they raped, pillaged and plundered. Violation of a nun’s chastity – brides of Christ – could forbid them entry into Heaven. So imagine yourself a … Continue reading

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