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Although most of us are aware of the need for health insurance coverage when determining our risk management needs, many of us fail to consider the possibility that we could become disabled.…

Let’s say you bought shares of stock for $50,000 20 years ago. The company did well, and the stock appreciated so that the shares are now worth $150,000. That would not be…

The insurance industry has introduced different types of insurance to meet consumer needs. For example, universal life insurance was created to provide a solution for many of the perceived shortcomings of whole…

IRAs and employer-sponsored retirement plans are subject to annual contribution limits set by the federal government. The limits are adjusted periodically to compensate for inflation and increases in the cost of living.

After an unusually steady 2017, the U.S. stock market took a more volatile turn in the first half of 2018.1 A number of factors contributed to this year’s volatility, but trade tensions…

Quarterly Recap – 4th Quarter 2013 Market Indices1 Dec 2013 4Q2013 Year-to-Date S&P 500 +2.53% +10.51% +32.39% Russell 3000 +2.64% +10.10% +33.55% MSCI EAFE +1.50% +5.71% +22.78% MSCI Emerging Markets -1.45% +1.83%…

Market Commentary – 8.05.2014 ISM Reports Help Create Nervous Investors Over the past couple of weeks, U.S. equity markets have been volatile. While geopolitical risk, especially in the Middle East and in…

Have you ever wondered what will happen to your estate after you die? How long will it take for your loved ones to receive the estate you’ve left them? Will each receive…

Monthly Market Monitor: February 2014 Recap Market Indices1 February Year-to-Date S&P 500 +4.57% +0.96% Russell 3000 +4.74% +1.43% MSCI EAFE +5.56% +1.31% MSCI Emerging Markets +3.31% -3.40% Barclays US Aggregate Bond +0.53%…

Market Commentary – 5.13.2014 Weathering First Quarter Earnings Reports With turbulent spring storms serving as a backdrop, U.S. equity markets have been weathering a flurry of 2014 headwinds, including the housing slowdown,…

Responding to the changing needs of consumers, the life insurance industry has developed some alternatives that go much further in satisfying a variety of financial needs and objectives than some of the…

The Affordable Care Act (ACA) does not require small businesses with fewer than 50 full-time employees to offer health insurance. Still, many would like to do so, in part to stay competitive…

Market Commentary – 2.5.15 The Case for Active Management and Diversification The financial markets opened 2014 with caution and an expectation that a rising interest rate environment in the U.S. may hurt…

Market Commentary – 5.4.15 Don’t Let the Strong Dollar Limit Your Diversification Despite the significant multi-year outperformance of domestic markets over most foreign markets, we continue to emphasize diversification on a global…

Market Commentary – 1.16.15 Using Alternatives to Diversify Portfolios So far this year, equities have struggled with most major indices suffering from both selling pressure and increased volatility. As seen in the…

Market Commentary – 5.30.14 During the June Gloom of Investing, Listen to Southern Californians In Southern California, the weather is beautiful most of the year. However, there is the annual June Gloom…

Sometimes it takes tough economic times and natural disasters to unite and bring out the best in people. Natural disasters such as hurricanes and earthquakes have served to bring communities together and…