More than 30 Years in
Business in San Diego
KOGO News Radio 600

How to Wreck Your Retirement

According to the Department of Health and Human Services, at least 70 percent of people over 65 will eventually need long-term care, either at
home or in a nursing home, and that can be very expensive. The average stay for a woman entering a nursing home is almost four years; if she’s in a semiprivate room, that cost in San Diego is about $375,000. For married couples, the chances that one spouse will need long-term care rises to 91 percent.

read more

Aubrey Morrow: Strategies for a Secured Retirement Income

You have saved for many years and now looking forward to a great retirement.

We financial planners constantly talk about the need to save for retirement. Max out all available retirement account & invest personally, and one day, when you are ready to retire, that portfolio will become income for you. Some pre-retirement points to consider

read more

A Fresh Look on Finances with Aubrey Morrow : How much EXTRA did you pay in taxes on April 15?

Anyone interested in making MORE money? One way is to only pay your “fair share” of income taxes! So — how much did you pay in 2014?

read more

A Fresh Look at Finances: Trees Do Not Grow to the Sky

What do the stock market, trees and escalators have in common? Only two have gone up since 2009. This year should be OK (but it won’t last forever).

read more

Time for a Second Opinion on your Investment Portfolio?

Most people request a second opinion before surgery; you might want also to get a second opinion on the health of your investments. Is your portfolio properly diversified?

read more

Tax Tips

“Over and over again courts have said that there is nothing sinister in so arranging one`s affairs as to keep taxes as low as possible. Everybody does so, rich or poor and all do rights, for nobody owes any public duty to pay more than the law demands:taxes are enforced exactions, not voluntary contributions.”
Judge Learned Hand

read more

Real Estate Financial Planning

Numerous real estate options are available in maintaining or disposing of real estate properties. Many of our clients own investment properties and our planning and discussions will help provide options of their ultimate decision regarding their investment property.

read more

Where and How to Invest?

As Investment Advisor Representatives, we provided our clients with a very detailed and comprehensive analysis to determine the most appropriate investment portfolio to match their personal goals and objectives, risk profile and time horizon.  In essence, we want our clients to have a balanced investment portfolio to “match the stage of their lives”. For younger, we can be more aggressive. For folks nearing or in retirement, we feel fewer risks is prudent and recommend having a Buy & Hold & SELL strategy. Our Tactical Money Manager was in cash or high yield bonds during the 2000 and 2008 stock market crash. We believe in proper investment diversification which includes: Fee-Based (no commission) Globally Diversified Portfolio of stocks, bonds and cash. Many portfolios may have 8,000 to 10,000+ securities including US, International and Emerging Stock Markets. The mix of stocks and bonds are customized for each client. We can provide professional money managers with Active, Passive and Tactical philosophies. We consume energy daily; however, many people overlook having energy in their investment portfolio.  Depending on how structured, investing in oil & gas can help in reducing income taxes and providing tax-advantaged income for the life of the wells in the portfolio. In addition to stocks, bonds, cash and energy, we also recommend real estate to round out a proper diversified portfolio. There are various ways to own real estate from Real Estate Trusts to actual property ownership. Our real estate options can include debt or free and clear ownership of commercial, residential and land. Depending on investor unique situation, real estate can be structured to potentially produce income & growth or investing for long-term capital appreciation. We must also recognized there are risk associated with any investment. Each investment must be evaluated and your investment advisor should explain all associated risks in additional to the potential rewards. Risk can include lack of liquidity, no guarantees of interest payments and potential loss of principal. Let us help you create a unique and customized portfolio for you which match your goals & objectives, risk tolerance and income...
read more

Are You PAYING more in Income Taxes than necessary?

Would You Like to Have More Income? Then, pay only your fair share in taxes – and not more than necessary

read more

Are You Financially Organized ?

Order your complimentary copy of Are Your Financially Organized? booklet at Find an Advisor link…just type in the word “AYFO” booklet and we will email it along with a 3 page Initial Planning Guide to get you started in planning your financial future. You will be glad you did!

read more