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529 College Savings Plan Resources

529 Education Savings Plans are a meaningful topic for parents, grandparents, and anyone else who wants to help a student they know with the cost of higher education. To help you learn more about these accounts and the tax-advantaged savings opportunity they provide, we have gathered the free resources below: Two-Page PDF: 529 College Savings …Read More

Providing for Your Children and Others with a 529 Plan

The three biggest financial commitments that most people will make in their lifetimes are buying a home, raising children, and retiring. Of the three, the cost of raising children might be the most surprising. While the cost of a home is easily found on websites such as Zillow.com, the cost of raising children is hidden …Read More

Middle Retirement Planning

If you read financial planning textbooks, you might be left with the impression that people report to the financial planner’s office to begin the planning process as soon as they land their first job. However, that’s not how it usually happens. Instead, people need a sense of urgency to get started. This often comes after …Read More

“What’s Bonnie Going to Do?!” – Part 2

Most of you know by now that, as of January, I began cutting back my hours at Bell and moving into a career transition most commonly known as “Semi-Retirement.” I have to say, it has been smoothing out a bit since the first quarter of the year, which is good news. Don’t get me wrong, …Read More

What is a “Normal” Interest Rate, and Why Does it Matter?

At a 2010 lecture discussing the financial crisis of 2007-2009 – Navigating the New Normal in Industrialized Countries – Mohamed El-Erian (now chief economic advisor at Allianz) said, “The crisis was not a mere flesh wound. The crisis cut to the bone.” Once you start cutting bone, you change the structure of whatever is being …Read More

“It Was the Best of Times, It Was the Worst of Times . . .”

…So wrote Charles Dickens in his famous opening line of A Tale of Two Cities. Dickens wrote this novel in part as a warning and as an encouragement to his fellow citizens of Great Britain not to devolve into indiscriminate mass murder and mob violence as he compared the relative safety and stability of London …Read More

“What’s Bonnie Going to Do?!”

Ever since Jim’s Succession Letter went out last month announcing that Forrest has become President of Bell  Investment Advisors, people have been asking me about my own plans for 2019, as if now I would be joining the Peace Corps or the circus, or finding a new job, or traveling to the Far East all …Read More

Earthquake Insurance

Over the past two years, the number of homes destroyed by wildfires in California has prompted many homeowners to reconsider their homeowners insurance policies and for good reason. Homeowners policies that are written to insure a home from damage affecting a single home might not provide coverage for damage that results from a larger disaster. …Read More

Do You Have a Bias Against International Small-Cap Stocks?

With the S&P 500 fully recovered from the correction earlier this year, and hovering near its all-time high, the current bull market in U.S. large-cap stocks remains one of the longest in history. The reasons for this bull market are still in debate. Skeptics suggest the rise is a product of artificially low, government-suppressed interest …Read More

Homeowners Insurance

On October 8, 2017, a fire began in Calistoga, California, that would kill 43 people and displace 100,000 others. Because of the weather conditions, the fire moved fast. The following morning, I remember hearing that the fire had jumped the 101 freeway and engulfed the Fountaingrove Inn. By the time my first meeting of the day …Read More

Market Analysis

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The New Year Rally
February 5, 2020 The New Year Rally After a strong 2019, U.S. stocks initially rang in the New Year by gaining three …Read More

Publication

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529 College Savings Plan Resources
November 1, 2019 529 Education Savings Plans are a meaningful topic for parents, grandparents, and anyone else who …Read More