Planning Your Retirement Expenses

By Robert Pagliarini on September 27, 2016

Your retirement may seem near at hand or far away, but one thing is certain: your future will differ from your present. Financially, that fact is worth remembering. Some of the costs you have paid regularly all these years may suddenly decrease or fade away. Others may increase. Will your insurance costs rise with age?…

Read More

Should You Pay Off Your Mortgage Before You Retire?

By Robert Pagliarini on

Should you own your home free and clear before you retire? At first glance, the answer would seem to be “absolutely, if at all possible.” Retiring with less debt … isn’t that a good thing? Why not make a few extra mortgage payments to get the job done? In reality, things are not so cut…

Read More

Economic Update 09/26/16

By Robert Pagliarini on September 26, 2016

FED WAITS TO RAISE INTEREST RATES Federal Reserve officials decided against a rate hike last week, but two details in the central bank’s latest policy statement suggested an upward move was near. One, the Federal Open Market Committee voted 7-3 against raising the federal funds rate – an unusually close margin. Two, the Fed’s new…

Read More

What Should You Do If You Get a Sudden Wealth Windfall?

By Robert Pagliarini on September 22, 2016

Robert Pagliarini and his latest book, The Sudden Wealth Solution: 12 Principles to Transform Sudden Wealth Into Lasting Wealth, were recently featured on the Goldstein on Gelt Show. In the episode, Robert discusses how you can find proper financial help and guidance if you receive a sudden windfall — either from an inheritance, lawsuit, lottery win, or any…

Read More

Credit Card Debt In Retirement

By Robert Pagliarini on September 21, 2016

$6,876. That is the average amount of credit card debt owed by an American household headed up by an individual aged 65-69. If you are newly retired or close to retiring, that figure may alarm you. It is more than twice the amount of Social Security’s maximum monthly income payment. Credit card use is surging,…

Read More

What It Takes To Be A “Millionaire Next Door”

By Robert Pagliarini on September 13, 2016

Just how many millionaires does America have? By the latest estimation of Spectrem Group, a research firm studying affluent and high net worth investors, it has more than ever before. In 2015, the U.S. had 10.4 million households with assets of $1 million or greater, aside from their homes. That represents a 3% increase from…

Read More

Economic Update 09/12/16

By Robert Pagliarini on September 12, 2016

SERVICE SECTOR SEES WEAKEST GROWTH SINCE 2010 The Institute for Supply Management’s non-manufacturing purchasing manager index came in at a disappointing 51.4 in August, 4.1 points below its July level. While American service industries expanded for a 79th consecutive month, the pace of expansion was the slowest since February 2010, and the monthly drop in…

Read More

Are You Insured? If Not, Your Loved Ones May Be At Risk

By Robert Pagliarini on September 7, 2016

September is National Life Insurance Awareness Month – a good time to think about the value and importance of insuring yourself. According to a recent Bankrate survey, 42% of Americans have no life insurance at all. They may not know that life insurance coverage has become much more affordable than it once was. Many people…

Read More

Economic Update 08/29/16

By Robert Pagliarini on August 29, 2016

YELLEN HINTS AT A RATE HIKE Speaking Friday at the Federal Reserve’s annual retreat in Jackson Hole, Wyoming, Fed chair Janet Yellen commented that “the case for an increase in the federal funds rate has strengthened in recent months.” That statement was interpreted by some economists as a sign that the central bank could adjust…

Read More

Taking Advantage of Tax-Free Withdrawals in Retirement

By Robert Pagliarini on August 24, 2016

Will you receive tax-free money in retirement? Some retirees do. You should know about some of your options for tax-free retirement distributions, some of which are less publicized than others. Qualified distributions from Roth accounts are tax-free. If you own a Roth IRA or have a Roth retirement account at work, you can take a…

Read More

Let’s start a conversation.

We welcome your call (949-305-0500) or email.


  • This field is for validation purposes and should be left unchanged.