Thinking of tapping your retirement savings before 59 ½? The 10% federal penalty isn't the only hurdle. For Californians, there's an extra 2.5% penalty to consider. Here’s what you need to know. ...more
Retirement
September 22, 2025•4 min read
Market highs and low yields have many asking if dividends still matter. Here’s why a "total return" focus—on both growth and income—is key to a secure retirement ...more
Investing
September 15, 2025•5 min read
The Roth vs. Traditional debate is like choosing when to pay tax: on the small seed now, or the big harvest later? Here’s how to make the right choice for you, year by year ...more
Retirement ,Tax
September 07, 2025•5 min read
Big news for education savings! Recent law changes have made 529 plans more flexible than ever. They can now be used for K-12 costs, skilled trades, and professional certifications. Here’s a breakdown... ...more
College ,Financial Planning
September 04, 2025•5 min read
Your guide to California's key financial ages. From Medicare at 65 to RMDs at 73/75, plus the crucial documents your adult kids need now ...more
Financial Planning
August 30, 2025•6 min read
The Fed is signaling a rate cut. Find out what that means, why the bond market is showing confidence, and how it impacts your retirement portfolio. ...more
Economy
August 25, 2025•4 min read
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