Archives

What Will Make Up the Content of Your Days During Retirement?

Depending on how close you are to your planned retirement date, the above question will be either frighteningly urgent, or so far in the distance that you won’t be able to focus on it for any length of time at all. But what I have noticed most about this question now that I am in …Read More

When Can I Quit My Job?

Financial Planning answers many significant life questions. For example: How much do I need to save for my daughter’s education? Can I afford to buy a home? When can I retire? In my 27 years as a Certified Financial Planner™ (CFP®), the answers to those questions and others produce highly emotional and strategic impacts. Knowing …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

Reaping the Harvest

It seems like, every year, the very day after Labor Day I am ambushed by fall. While I am still holding onto summer, still wearing my white jeans, and still having barbecues, I don’t want to even think about fall. This year the weather even joined the conspiracy in Berkeley, so we could have our …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