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Financial Health

Financial HealthFourth Quarter Tax Check-up!

Many people confuse tax planning with tax preparation and only think about the subject when preparing their annual tax return. However, there is little you can do to actually lower your tax bill when preparing your return. If your goal is to reduce income taxes, you need to be aware Read more…

Financial HealthThe Sooner the Better

According to a survey on retirement readiness by the Employee Benefits Research Institute, only 14% of Americans are confident that they will be able to maintain a comfortable lifestyle after retirement. And among those, about 60% have less than $25,000 in savings, so depending on their age, they will most Read more…

Financial HealthOpen Enrollment Round Two

It’s hard to believe, but the open enrollment period for health insurance is almost here. For seniors, that means October 15 through December 7 is the time to review your Medicare Advantage plan and your Part D prescription drug plan. But, for those under 65, open enrollment will be November Read more…

Financial HealthMedicare Instead of Group Coverage

For a variety of personal reasons, some of us continue to work after age 65. And when you do, you might delay taking your Social Security retirement benefits. You might mistakenly believe this means you cannot enroll in Medicare as well. Or, you might decide to keep your group health Read more…

Financial HealthTalking With Family About Your Estate Plans

In many families, finances and estate talk are taboo. Other families laugh and make jokes like, “Well, guess who just lost their inheritance!” No matter what kinds of family dynamics exist in your life, talking about what will happen after a person dies can be a painful and scary discussion, Read more…

Financial HealthRetirement Planning – Start Now.

After 40 or 50 years of working, you could find yourself retired for another 20 or 30. To support yourself without a job for 20 or 30 years, you should be planning for retirement during your entire working life. However, your concerns and strategies for retirement will change as you Read more…

Financial HealthGot New Health Care? Wait, There’s More…

Now that you enrolled in a new health insurance plan, it is up to you to get the most out of it – including tax deductions.  California led the way in enrolling previously uninsured Americans during the recent ACA open enrollment. It didn’t go smoothly, and it sure wasn’t easy. Read more…

Financial HealthFinancial Planning vs. Retirement Planning

According to the most recent (2012) Household Financial Planning Survey conducted by the Certified Financial Planner Board of Standards, only 31% of financial decision makers have a comprehensive financial plan. If the survey had asked respondents to define comprehensive financial plan, few probably could have; most people define financial plan Read more…

Financial HealthStill Without Health Insurance?

If you are still without health insurance, or wish to change your current plan, you still have a little time to select and apply for new Affordable Care Act (ACA)-compliant health insurance. You must apply by March 15, and March 31 is the close of this initial Open Enrollment Period, Read more…

Financial HealthDoes My Doctor Take My Health Plan?

Is your doctor accepting your health insurance plan? It’s hard to tell, even for your doctor’s office. When you call and ask, you probably tell them you have a PPO from one of the top three insurers. Let’s use Anthem Blue Cross as an example. If you have a doctor Read more…

Financial HealthTiming That Is Best for YOU

Timing is everything! Many people have crossed my path over the years, and some have done much better than others. Why is that? With all other key factors remaining equal – strategy, funding, education, or marketing – the primary difference was due to timing. For example, it made sense to Read more…

Financial HealthThe Alphabet Soup of Medicare

About 8,000 Americans turn 65 every day and almost all of them qualify for Medicare. If you are one of them, here is what you can expect: a lot of junk mail. If you joined AARP, you will be receiving approximately 2-3 items per week from them in the 6 Read more…

Financial HealthClinton Health Matters Conference Returns

The 3rd annual Clinton Health Matters Conference will return to the Coachella Valley January 13 – 15. As part of the foundation’s Health Matter Initiative (CHMI) and the Alliance for a Healthier Generation, the conference will unite corporate, non-profit, sports and media leaders to discuss partnerships and action steps to Read more…

Financial HealthHandling the Financial Aspects of Death

The emotional trauma of dealing with a loved one’s death can be devastating. If you are also the one who has to handle the financial aspects, dealing with all the details can seem overwhelming. Following is a checklist of items to consider: Your most immediate concern will be to notify Read more…

Financial HealthWhen Life Changes, So Should Your Financial Plan

If you’ve ever completed a financial plan, you know how much work it is to prepare. So, after all that work, you’re done, right? Wrong. The world is constantly changing, the markets are constantly fluctuating, and so is your life. If your plan for the future is going to be Read more…

Financial HealthHow Will the New Affordable Care Act Affect You?

Let me begin by defining which individuals the Affordable care Act (ACA) will not affect when it is fully implemented on January 1, 2014: Anyone now on Medicare (including Pre-Age 65 Early Disability Individuals). Anyone covered by an employer-sponsored Group Health Insurance Plan. (But you will have to upgrade to Read more…

Financial HealthIs Buying Health Insurance Any Easier Now?

The Affordable Care Act has allowed our state programs to expand and cover more people, especially children, for very low premiums or even at no cost. If you have been without health insurance, or if you have a plan that is just too expensive for your budget, please make the Read more…

Financial HealthMine, Yours and Ours: The 2013 American Family

It’s not news that American families don’t look like they did on 1950’s sitcoms: a mother and father who married for life and raised their two and a half biological children to adulthood. With our divorce rate at 50%, remarriage by half of those, and a growing number of same-sex Read more…

Financial HealthSelling Your Business to Family? Consider a Buy-Sell Agreement

A buy-sell agreement is a legal contract common in closely held businesses. It is an agreement you can enter into now that provides for the future sale of your business interest. A buy-sell agreement is also referred to as a business continuation agreement, a stock purchase agreement, or a buyout Read more…

Financial HealthHealth Care Reform: The Covered California Marketplace Exchange

Undoubtedly, you are starting to hear about the new Covered California Marketplace Exchange for individuals on TV, radio and in print ads. It is part of the massive changes being brought about by the Federal Affordable Care Act (ACA), also known as “ObamaCare.” I have been actively following the slow Read more…