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151 Kalmus Drive, Suite C-150 

Costa Mesa, CA 92626 
(714) 850-0534 

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77-564 Country Club Drive #150

Palm Desert, CA 92211

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April 10, 2018

By having efficient strategies in place you can minimize your tax burden and keep more of your hard-earned income. No matter your circumstance, you should be able to employ one or more of the strategies.

June 27, 2017

Insurance is a vital, necessary aspect of a long-term financial plan. Insurance may not be as exciting to the average person as investments, but it can certainly help a household maintain some financial equilibrium in a crisis.

May 16, 2017

Insurance matters more in retirement planning than you may think. It is seldom “top of mind” in retirement planning conversations, but the right coverage could help you maintain some financial equilibrium in the face of sudden money pressures.

May 2, 2017

Have you thought about it? If you are a parent or a head of household, you should. The odds of a disability are not that long. The Council for Disability Awareness, a non-profit research and education group, estimates that roughly a quarter of today’s 20-year-olds may become disabled at some point in their working lives.

April 11, 2017

Ever hear of critical illness insurance? This isn’t standard-issue disability insurance, but a cousin of sorts. With people living longer, it is a risk management option entering more people’s lives. The notable wrinkle about this type of insurance is that the insurer issues you a lump sum while you are alive.

June 27, 2016

 Medicare contains many rules that beneficiaries and their caregivers are required to learn. Perhaps the best way to grasp the program's details is to review the major components of the Medicare program: Parts A, B, C, and D.


Medicare Part A: Hospital Insurance


This insurance is designed to help cover the following:


•    Inpatient care in hospitals, including rehabilitation facilities
•    Care provided in a skilled nursing facility or hospice for a limited period
•    Home health care


For inpatient hospital care, Medicare typically covers a semi-private room, meals, general nursing, drugs, and other hospital ser...

The fact is that women usually outlive men. Many of these same women unfortunately end up in assisted care or nursing homes for a period of time.  Long-term care insurance is designed to help with the cost of this assisted care.


While the case can be made that everyone should have long-term care insurance, to be candid, I am not a big fan of this for various reasons.  First, the many pros and cons to long-term care insurance are uncertain because the whole long-term care market is evolving. Second, much of the analysis behind the decision to buy long-term care insurance depends on the facts, circumstances, and financial resources of the indiv...

The insurance industry has some scary statistics about people being disabled during their working careers. There is merit to disability insurance, which many companies offer as an employee paid benefit. Unfortunately, individual disability policies for the self-employed are usually quite expensive and end up in the budgeting room’s cross-shredder.


For doctors, dentists, and other people whose small motor control in their hands or the use of their eyes (e.g. a jeweler) is a key to their business, disability insurance is a must. A dentist acquaintance of mine was in an automobile accident that severely damaged the muscles in both arms. Although...

Umbrella insurance means just what it suggests — it is a policy that provides additional coverage for homeowners’ insurance and auto insurance. In an automobile accident, the injured party will typically sue for all sorts of damages trying to win the lawsuit lottery on a high net worth individual. Should a judgment or a settlement come down in excess of the limits of the auto policy, the umbrella policy comes into play as additional insurance allowing the insured to protect his or her savings and other financial assets.


For anyone who is a sole proprietor, business owner, or a seriously active volunteer, has a high net worth, or is the spouse...

 It is easy to become overwhelmed when buying life insurance.

 

I cannot tell you how many divorcing people have sat across from me and bemoaned the fact that the higher earning divorcing spouse will not pay for a life insurance policy through the separation period and support period while the lower/non-earning spouse is still financially dependent on the other higher earning spouse for alimony and child support.


Not a pleasant thought. By arranging the cross ownership and beneficiary policies from the beginning (in friendlier times), the issue of who pays for the insurance in the divorce situation has already been settled. As owner and benefic...

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