Would You Like To Earn a Higher Interest Rate While Still Having Liquidity?

Earlier this month, I asked a client if he wold like to earn a higher interest rate while still having liquidity after he complained about the paltry earnings on his …
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Is ESOP the Guy Who Wrote all Those Fables?

Well … I guess that was Aesop, but still – is it just a “fable” that ESOPs should be considered by a business owner considering a transition or sale of …
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So What If the Heart Attack Comes Up Short

Just last week, I received an urgent call from a client. He inquired about insurance to provide an income in the event of disability. As we talked about his sudden …
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The Business “Prenuptial” and Avoiding the Manure

Last week I was visiting with prospective clients who own a national business based in Texas. When I think of Texas, I think of longhorn cattle that leave behind a …
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Why Review Your Estate Documents?

When was the last time you reviewed your estate documents? If it has been awhile, you are not alone. Last week I spoke with a bright, successful entrepreneur with a …
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The Impact of a Single Life

During this holiday season, I would like to share the moving story of Louis “Louie” Zamperini, a man who endured inconceivable tragedy and yet in the end, chose to live …
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Do They Celebrate Thanksgiving in Liberia?

We were at church with a dear friend from Africa this last Sunday. She asked me, “Papa – what does it mean – Thanksgiving? Why do we celebrate it here …
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“Two Out of Three Ain’t Bad”

The ideal investment opportunity would have the following three attributes: tax deductible going in – tax-free growth – and no tax coming out. That would be ideal, but unfortunately, that …
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Should you change your Certificate of Deposit to an Annuity?

Like so many Americans, my clients Don and Sue have bank Certificates of Deposits (CDs) maturing on April 15th. The renewal rate on their CDs will be less than 1% …
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Suite 103
San Diego, CA 92123
Office: (858) 569-0633
Fax: (858) 333-4942