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Financial Health

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…

Financial HealthHow Women Differ from Men, Financially Speaking

We all know men and women are different in some fundamental ways. But is this true when it comes to financial planning? In a word, yes. On the path to financial security, it’s important for women to understand what they might be up against. Here are some simple steps to Read more…

Financial HealthDESERT HEALTHCARE DISTRICT: Funding Programs that Improve Local Health Care Services

Inspired by the federal government’s Healthy People 2010 program, which encourages fitness and disease prevention, the Desert Healthcare District built The Wellness Park at the corner of Via Miraleste and Tachevah Road in Palm Springs. The beautiful 5-acre park offers a quarter-mile walking/jogging loop with drinking fountains and benches at Read more…

Financial HealthWhat’s Better: Saving or Paying Down Debt?

The Great Recession has drilled home a lesson many people seemed to have forgotten: debt can be dangerous to your financial health. For those who lost their jobs and ran out of savings, it was a lesson relearned the hard way. But for those who have managed to hang on–or Read more…

Financial HealthMaking Your Dreams Your Reality

It takes a lot of hard-nosed work to fulfill your dreams. And we’re not just talking about the years of employment you put in to afford your dreams. We mean converting your dream into a plan to make those dreams come true. The first step is to recognize the difference Read more…

Financial HealthInsurance for Medical Professionals: Are You Covered?

Simplifying insurance is like simplifying medicine; it’s no easy task. As a medical professional, you can ask your patient a handful of questions that may flag a potentially serious problem, and then order diagnostic testing as needed. Likewise, you or your insurance agent should ask the proper questions to identify Read more…

Financial HealthFinancial Basics for Your Kids & Grandkids

A very common reason for investors to focus on their portfolios is for the benefit of the next generation. They want to ensure that their children are well taken care of so that they, the investors, don’t have to worry later in life. Taking it another step is teaching your Read more…

Financial Health2013 FICA Tax Increase Surprises Some Taxpayers

With all the end-of-year hype surrounding the fiscal cliff and the relief that came with New Year’s legislation permanently extending most income tax rates, one change seems to have been veiled by the settling dust: the 2 percent increase in FICA (Federal Insurance Contributions Act) tax. That increase, the result Read more…

Financial HealthNew Year’s Resolution: Put Your Finances in Order!

Financial Freedom Road Sign

If you’re serious about pursuing your financial goals, first get your finances in order. Here are a few simple steps to keep you on track: Get organized.  Make time to understand your basic financial facts—how much your net worth increased during the past year, how you are spending your income, Read more…

Financial HealthIt’s That Time of Year! A Look at Tax Preparation Options

Ready or not, it’s time to start thinking about filing your 2012 taxes.  By choosing the best tax preparation option for your situation, you can prevent major headaches and stress on April 15th. You have several options in filing your taxes. You can file taxes yourself, use a national tax Read more…

Financial HealthIs It Time for Assisted Living?

How do you know when loved ones are ready for assisted living? Use these guidelines to help spot the telltale warning signs of aging and illness. Rosalyn Carter once said: “There are only four kinds of people in the world–those who have been caregivers, those who are currently caregivers, those Read more…

Financial HealthWhat Happens When Harry Dies?

The death of a spouse or life partner is one of the toughest events you can go through. Along with the emotional adjustment of continuing on without your best friend, there is additional stress involved in facing the relevant financial issues while you are still grieving. But there are things Read more…

Financial HealthCoachella Valley Economic Partnership Interns Create Emerging Health Professionals Program

Coachella Valley Economic Partnership Interns

In the summer of 2011, Coachella Valley Economic Partnership’s (CVEP) Workforce Excellence Program, in collaboration with the Health Career Connection Program, hosted undergraduate health science college interns, Janel Samuels and Faith Villanueva. These two interns have worked directly with CVEP’s Health Industry Council (HIC) to create a leadership program that Read more…

Financial HealthLife Expectancy and Social Security: Extreme Longevity Maximizes Benefits

Most people tend to underestimate their life expectancy. Thinking you might live to a very old age may lead to better planning. Life expectancy is a critical element in Social Security planning. Because benefits continue for life, the total amount you stand to receive over your lifetime hinges on how Read more…

Financial HealthPlan Now for a Long Life

Even in retirement, your portfolio may need to be positioned for both growth and security: growth to meet the challenges of a long life and the impact of long-term inflation and health care, and sources of secure income to ensure that your daily essential living expenses will be met. This Read more…

Financial HealthOn Your Road to Retirement…Don’t Forget Mom and Dad

A wild card in any financial plan is the aging process. Longevity coupled with incapacity can decimate a family’s resources, forcing adult children to contribute to their parent’s support and jeopardize their own retirement. Long-term care insurance can mitigate the financial obligation, but only when the insured is unable to Read more…

Financial HealthHow the Housing Market Impacts Your Retirement

Across the United States, home values have dropped in the last few years. The impact is regional with some markets much less affected than others — some of the worst markets have appeared to have bottomed out; great homes in great neighborhoods are still in demand; new housing starts have Read more…

Financial HealthA Workable Solution for Baby Boomers Near Retirement

Concerned about having enough money saved for retirement? Here’s a simple solution: work just a few years longer. By accumulating more savings and shortening your withdrawal period, you’ll reduce the lump sum needed to generate the necessary income at retirement. In a report titled “Retirement Age and the Need for Read more…

Financial HealthPlan for Retirement as You Would a Vacation

One of the most frequent questions I hear from clients is: Will I have enough money to stop working and retire? Funding retirement is one of people’s most worrisome financial concerns. Yet most of us spend more time planning a vacation than we do planning for a comfortable retirement. Typical Read more…