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Articles

Do You Owe Estimated Taxes?

If you are self-employed or have additional sources of income outside of your regular job, you may fall into the category of Americans who are required to file their federal taxes not just once a year in April, but four times annually. While no one likes having to pay estimated taxes to the IRS, you can make the process easier by setting aside money regularly and keeping detailed records.

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Designing an Employee Benefit Plan

When you begin to create an employee benefit plan, you may want to start with a few core benefits, including life insurance, health insurance, and a retirement plan. These benefits form a base from which your company’s benefit plan can grow and evolve in the future. Every year or two, it may be wise to consider the addition of a new benefit to the plan, such as dental insurance or disability income insurance. Rather than bearing the entire burden of cost, you can contribute a portion of the cost, with your employees paying the balance.

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Traditional IRAs vs Roth IRAs

Currently, there are two popular Individual Retirement Accounts (IRAs) vying for your attention: the traditional IRA and the Roth IRA. While both are long-term savings vehicles with tax benefits, each has different rules concerning contributions, age, and income that may change from one year to the next.

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Countdown to Retirement: Strategies for Saving in Your 50s

The Baby Boom generation is about to enter another era: retirement. Never known for accepting the status quo, Baby Boomers are ready to redefine the “golden years.” Forget about endless days of leisure. This generation seeks adventure, travel, and new business pursuits. While these changes may redefine retirement, will Boomers be able to finance their plans? Today, many people age 50 and older have not begun to save for retirement or have yet to accumulate sufficient funds.

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Inflation and Your Retirement

Even if your retirement is years away, it’s important to understand how inflation can affect your retirement savings. You probably know that inflation can depreciate your savings over time.

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Mapping the Road to Retirement

It makes sense to periodically review your financial strategy along the road to retirement to make sure you are taking advantage of all available tools and resources that may help build your retirement income. Your ability to save more now, before retirement, will provide you with a nest egg that will help support a comfortable retirement. You may want to consider these five steps to stay on track toward reaching your retirement goals:

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Retirement Saving: Let the Journey Begin!

We've all heard the old adage, "a journey of a thousand miles begins with a single step." The same concept applies to saving for your retirement. It's up to you to take that first step. If you wait until you have "enough" money to begin saving, you may never start at all. Instead, focus on the first step. Then, you can begin transforming that thousand-mile journey into smaller, more manageable goals.

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Over 50? Strategies for Retirement Savings

The baby boom generation is about to enter another era: retirement. Never known for accepting the status quo, baby boomers are ready to redefine the "golden years." Forget about endless days of leisure. This generation seeks adventure, travel, and new business pursuits. While these changes may redefine retirement, will boomers be able to finance their plans? Today, many people age 50 and older have not begun to save for retirement or have yet to accumulate sufficient funds.

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The "Taxing Effects” of Selling Your Home

Because of the generous capital gains exclusion on selling a primary residence, you may find that you do not owe Federal taxes when it comes time to sell your home. But there are situations in which a seller may incur a tax liability, especially if the sale price is very high, if the house is sold soon after purchase, or if the owners are unmarried or are selling as the result of a divorce. In many of these cases, however, the amount owed to the IRS can be minimized, or offset, with some advance planning.

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