Some things to think about as you get started with your strategy. Provided by Marc Aarons @ Money Managers, Inc. First, look at your expenses and your debt. Review your core living expenses (such as a mortgage payment, car payment, etc.). Can any core expenses be reduced? Investing aside, you position yourself to gain ground […]

Why you should periodically review beneficiary designations. Provided by Marc Aarons @ Money Managers, Inc. Your beneficiary choices may need to change with the times. When did you open your first IRA? When did you buy your life insurance policy? Are you still living in the same home and working at the same job as […]

Separating some eldercare facts from some eldercare myths. Provided by Marc Aarons Marc@ocmoneymanagers.com How much does eldercare cost, and how do you arrange it when it is needed? The average person might have difficulty answering those two questions, for the answers are not widely known. For clarification, here are some facts to dispel some myths. […]

The premiums and coverages vary, and you must realize the differences. Provided by Marc Aarons @ Money Managers, Inc. Medicare takes a little time to understand. As you approach age 65, familiarize yourself with its coverage options and their costs and limitations. Certain features of Medicare can affect health care costs and coverage. Some retirees […]

A recap of the major changes impacting corporations and closely held firms. Provided by Marc Aarons @ Money Managers, Inc.   The Tax Cuts & Jobs Act changed the tax picture for business owners. Whether your company is incorporated or held closely, you must recognize how the recent adjustments to the Internal Revenue Code can […]

How separate (or intertwined) should your financial lives be? Provided by Marc Aarons @ (714) 887-8000  Some spouses share everything with each other – including the smallest details of their personal finances. Other spouses decide to keep some individual financial decisions and details to themselves, and their relationships are just fine. Just as a marriage […]

As you approach retirement, it may be time to pay more attention to investment risk. Presented by Marc Aarons @Money Managers, Inc. If you are an experienced investor, you have probably fine-tuned your portfolio through the years in response to market cycles or in pursuit of a better return. As you approach or enter retirement, […]

A move that high earners can make in pursuit of tax-free retirement income. Provided by Marc Aarons @ Money Managers, Inc.   Does your high income stop you from contributing to a Roth IRA? It does not necessarily prohibit you from having one. You may be able to create a backdoor Roth IRA and give […]

  Classroom educators are coping with hybrid plans and pension fund shortfalls. Provided by Marc Aarons @ Money Managers, Inc.  Arizona. Kentucky. Massachusetts. Michigan. Pennsylvania. Rhode Island. Tennessee. In these states and others, teachers are concerned about their financial futures. The retirement programs they were counting on have either restructured or face critical questions.1,2 Increasingly, […]

Even with interest rates rising, you may want to explore the possibilities. Provided by Marc Aarons @ Money Managers, Inc.  In the first quarter of 2018, the refinance share of home loan applications in the U.S. fell to 40%, the lowest in ten years. Higher mortgage rates had reduced demand for refi’s.1 Still, the refi […]