Thoughts and reposts from 1on1financial and staff.
Understanding the 7 Levels of Eldercare
Navigating eldercare? Don’t go it alone. Learn about the 7 levels of support services and how 1on1 Eldercare can help.Read More
SVB & Signature Bank Collapsed: Why Banks Fail & How to Protect Your Savings
Two major banks collapsed in three days. Here’s what consumers need to know about safeguarding their savings.Read More
Let Us Help Someone You Know!
Do you know someone who could benefit from working with a financial advisor? We would love the opportunity to help!Read More
Should You Enroll in the Survivor Benefit Plan?
As a military service member, are you familiar with the Survivor Benefit Plan? Read on to learn if this plan is right for you.Read More
How SECURE 2.0 Affects Your Retirement
Are you aware of the revised SECURE Act 2.0 and how it may affect your personal situation? Read this guide to understand the new changes.Read More
Top Goals for Women Planning for Retirement
Women face unique obstacles when planning for retirement. Here, we share more about what women really want in retirement.Read More
End-of-the-Year Tax Strategy Review
10 year-end tax strategies to keep in mind to finish 2022 strong and start 2023 the right way.Read More
Happy Holidays From the 1on1 Financial Team!
Wishing you Happy Holidays from our 1on1 Financial team! We hope this holiday season brings you joyRead More
3 Key Differences Between a Personal IRA and an Employer-Sponsored Retirement Plan
Should you be doing more than counting on your employer-sponsored retirement plan? Learn the key differences between plans with 1on1 Financial!Read More
You Know the Benefits of Working With a Financial Advisor. Do Your Friends & Family?
Did you know that working with a financial advisor is a secret to financial success? 1on1 Financial can make a difference in your friends’ and family’s lives.Read More
Are You Prepared for Widowhood?
Losing a spouse is devastating to even think about. But it’s wise to prepare for widowhood before it happens. Here are 5 questions to get you started.Read More
Is Your Employee Stock Purchase Plan Right for You?
Is participating in your company’s Employee Stock Purchase Plan the best move? The 1on1 Financial team can help!Read More
Why Putting Off Retirement May Not Be the Right Move
Is putting off retirement really the best move? Why delaying retirement may not be the best strategy.Read More
Financial Planning for Independent Contractors
Being your own boss has its pros and cons. Here are the top financial planning challenges for independent contractors and how to avoid them.Read More
Consolidate Old 401(k) Accounts for a More Efficient Investment Strategy
Do you have several 401(k)s from different employers? We can streamline them to help create a more efficient savings strategy.Read More
Happy 25th Anniversary to 1on1 Financial!
25 years of serving our community. Learn how 1on1 Financial’s approach to financial planning has made a difference in our clients’ lives.Read More
6 Secrets to Prepare for a Happier Retirement
What does a "happy" retirement look like? Here are our "secrets" to a happy retirement so you can enjoy your golden years to the fullest.Read More
Meet Our New Texas Team Member: Virginia Smout
The 1on1 Financial Team is growing! Meet our new team member, Virginia Smout!Read More
Our 2022 Mid-Year Market Update
Worried about the economy? Who isn’t? Here’s a quick rundown on this year’s market performance and updates on economic indicators.Read More
Do You Know What Happens to Your Unclaimed Property?
Do you know what happens to your unclaimed property? Escheat happens and it could happen to you!Read More
Could a Donor-Advised Fund Save You Money on Taxes?
Consider a DAF to lower your taxable income and structure your giving. 1on1 Financial can help you make a larger impact for causes you care about!Read More
Should You Really Be Helping Your Adult Children Financially?
Is financially supporting your adult children getting in the way of your savings? Here are 4 steps to take to prioritize your own financial future.Read More
Please Join Us For Our New Estate Planning Webinar!
We know that life gets busy and it’s easy to put estate planning on the back burner, but we are here to help you get started so you don’t put this important task off any longer!Read More
How Do HSA Accounts Work?
Worried about unexpected medical bills? Find out if opening a health savings account is right for you.Read More
3 Ways to Make Your Money Last a Lifetime
Are you worried about running out of money in retirement? Here are 3 ways to make your money last a lifetime.Read More
How Much Do I Need to Retire Comfortably?
Will you have enough money saved for a comfortable retirement? Let 1on1 Financial help you answer “yes” with confidence.Read More
What Should You Do About the Russia–Ukraine Crisis and Market Volatility?
Do current events have your stomach in knots? Here’s what you need to know about the Russia-Ukraine crisis and what it means for your money.Read More
Don’t Leave the IRS a Tip: The Importance of Tax Planning and Reviewing Your Return
Tired of taxes eating away at your wealth? Here’s how to make sure more of your money stays in your pocket.Read More
Individual 401(k) vs. SEP IRA: Which Is Best for You?
Are you a self-employed individual or small business owner trying to choose a retirement plan? Find out if an individual 401(k) or SEP IRA is right for you.Read More
The Cost of Putting Off Financial Planning
Don’t let procrastination get between you and a solid financial plan. Here are 5 reasons why you should start planning today.Read More
What Should You Do About Inflation and Stock Market Volatility?
Don’t let short-term market fluctuations derail your portfolio. Protect your wealth with these six steps.Read More
Inflation Is Back. How Long Will It Last?
If inflation is giving you a financial headache, you aren’t alone. Here’s what you need to know about the current inflation crisis.Read More
Do You Need Support for Your 1031 Exchanges?
Do you have property you want to sell but taxes are holding you back? We can help you execute a 1031 exchange!Read More
Wishing You a Happy Holidays From Our Team
1on1 Financial wants to wish you Happy Holidays. We hope this holiday season brings you joy.Read More
Why Your CPA and Financial Advisor Should Be Working Together
Imagine if you went to the doctor for a simple procedure, but when you got there it was just the surgeon. No attending physician, no nurses, or anesthesiologists. Most of us would be confused, worried, or even scared. We’ve come...Read More
What Are the Differences Between 403(b) Plans and 457(b) Plans?
For many of us, saving for retirement is much like a Sudoku puzzle. Lots of numbers to digest and plenty of options. With 401(k), 457(b), and 403(b) plans out there, what’s a person to do? While this numbers game can be...Read More
Help Us Make a Difference With Breast Cancer Research and Awareness
At 1on1 Financial, it’s no secret that some of our biggest passions (after financial planning, of course) are biking and giving back to the community. So when we get the chance to combine these passions, we jump on the...Read More
5 Ways Doctors Can Grow Their Practices
Doctors with their own medical practice wear many hats as they juggle the responsibilities of not just practicing medicine and maintaining patient relationships, but also business management, hiring, and marketing their practice. If...Read More
Social Security Claiming Strategies for Single, Divorced & Widowed Women
After years of diligently working and saving, we know you’re looking forward to a relaxing and fulfilling retirement. But those golden years don’t come without planning and strategizing. And one piece of the retirement...Read More
What You Need to Know About Alzheimer’s and Financial Planning
Receiving any serious medical diagnosis is tragic, but an Alzheimer’s diagnosis is particularly devastating. Understandably, patients and loved ones will be worried and fearful, to name just a few emotions. From this point...Read More
Medi-Cal Benefits Is Now 1on1Eldercare
We have some exciting news to share! As many of you already know, we have been providing families with long-term care guidance and support through Medi-Cal Benefits, a company dedicated to helping seniors access medical benefits and...Read More
If Widowhood Happened Tomorrow, Would You Be Prepared?
No one likes to think of the future death of a loved one, but considering the events of this past year, we’ve all learned we can’t take life for granted. Being caught unprepared only exacerbates the grief. And considering...Read More
5 Common Post-Retirement Risks You Should Be Aware Of
If your end goal is a comfortable retirement, the right habits need to be put in place during your working years. But keep in mind that there are also important decisions to be made after you are no longer working. When you’ve...Read More
We’re Never Too Busy to Help Someone You Care About
What are the most important things in your life? Family? Health? A sense of purpose? While money may not top that list, it affects every part of your life and can give you the security and stability that positively impacts the things...Read More
Our 2021 Midyear Market Update
If there was any doubt left, 2020 taught us that it’s impossible to predict the future. And things that we thought we had control over (like how we work, how we go to school, and even how we interact with our loved ones), we...Read More
Why Businesses Need To Offer Retirement Plans
At the end of 2019, President Trump signed into law the Setting Every Community Up for Retirement Enhancement (SECURE) Act to expand current workers’ access to tax-advantaged retirement accounts and to help prevent older...Read More
Why You Need A Written Financial Plan
Most people have dreams and goals. Maybe they hope to travel to an exotic location. Possibly they want to experience the thrill of learning to paraglide. Perhaps they are looking to finally purchase the fishing boat of their fancy....Read More
What Should You Do When You Turn 65?
Along with more birthday candles on your cake, each passing decade brings varying financial consequences that require more preparation for your future. It’s a given that you want to enter retirement with confidence and excitement...Read More
How Much Does Long-Term Care Really Cost In California?
Have you built long-term care costs into your retirement plan? If not, you may want to begin planning for those costs sooner rather than later. Research suggests that most Americans turning 65 this year will need at least some form of...Read More
This Is Why Your Adult Children Need A Financial Plan
If you have children of any age, I can safely say that you have hopes and dreams for them. We all want our kids to be happy, successful, and act as good stewards of their own wealth—and our wealth when they ultimately inherit it....Read More
How To Make The Most Of Your Veterans Benefits
Most veterans are well aware of the healthcare and typical education benefits available for servicemembers and their families. But there are less well-known military benefits that could be extremely useful to veterans and their spouses...Read More
Long-Term Care For Veterans
Life expectancies are projected to increase by about 6 years over the next 40 years. (1) And while this means more time with our loved ones, longer life expectancies also mean that retirement savings will need to last for a greater...Read More
Do You Have Multiple Retirement Plans? How To Consolidate And Maximize Returns
If you are like most people, you probably have several different retirement plans from different positions you have held with different companies. Perhaps you also have a retirement plan that you set up for yourself and your employees...Read More
Why Are You Settling For Poor Service?
The COVID-19 pandemic has caused all of us to adapt, reprioritize, and learn to live with disappointment. Whether it’s having to cancel your long-awaited vacation or learning to deal with the frustration of empty shelves at the...Read More
The Top 5 Financial Planning Challenges In The First 10 Years Of Retirement
It’s the moment you’ve been waiting for. It’s time to pack up your office and transition into the next phase of life: retirement! New adventures await you during these golden years, but one thing that shouldn’t...Read More
3 Ways To Prepare Your Teenager For Financial Independence
Although they might think they already know everything, teenagers have a lot to learn before heading out into the real world. And while teenagers are generally not known for being logical and responsible—especially with...Read More
Happy Holidays From 1on1 Financial
It’s been a wild ride, but we have finally arrived at the holidays. Our team at 1on1 Financial would like to take this opportunity to wish you and yours a happy holiday and a refreshing new year! The holiday season, your...Read More
Reasons For Inflation And Why You Should Plan For It In Retirement
Inflation is a reality in all economies, and generally occurs for one of two reasons, know as "demand-push" or "cost-pull." Businesses and companies that want to retain their employees have to insulate them to some degree against the...Read More
The Good and Bad of Retiring Early
This year has forced some to think about retiring early. When it comes to retiring early, some of the benefits are obvious: you get to live your life without the constraints of work, and you are able to pursue your own interests. But...Read More
Avoid Overspending During the Holidays
It is not surprising that the holiday season is one of the most expensive for individuals. Giftgiving, decorating and holiday treats can tap into the budget if a few general rules are not followed. Here are five tips to avoid...Read More
What You Need to Know About IRA and 401k Contributions In 2021
The Internal Revenue Service recently reported changes to the 401k and IRA. The agency’s announcements to Congress issues new regulations. Each alteration will impact retirement accounts and 401(k) contribution limits in 2021....Read More
Saving For Retirement At A Later Date
Reaching the milestone of retirement is what keeps most people clocking in and out day after day, year after year. Especially after a year like 2020, we all need something to look forward to and work toward: relaxation, peace, and more...Read More
Don't Let Short Term Events Change Your Investment Goals
With every change in the world, there always seems to be the temptation to make an impulsive financial decision, especially when it comes to investing. This year especially was difficult for investors who made such decisions when the...Read More
Tap Your 401(k)? Get Back On Track!
While tapping into your 401(k) is not the first choice that you should make, it is sometimes unavoidable. During the most recent economic crisis, you may have needed to withdraw from your retirement funding in order to make ends meet...Read More
Do You Need A Long-Term Care Rider On Your Life Insurance Policy?
Life insurance may be no one’s favorite topic—most of us don’t like to think about our own death. But life insurance is an important component of your financial planning and security, both for yourself and your family...Read More
How To Prepare Your Children To Receive An Inheritance
Do you want to leave a lasting legacy that blesses your family for generations? If you’re like most of our clients, the answer is a resounding yes! Building your wealth to provide for your family today and for generations takes...Read More
Do You Want To Be Savvy With Your Social Security Benefits? Join Our Webinar!
This isn’t news to anyone, but Social Security is vitally important to your retirement income. Regardless of how big or small your benefit amount is, it is guaranteed income for the rest of your lifetime. Depending on how long...Read More
Avoid Covid-19 Medicare Scams
Older Americans on Medicare have become the focus of criminals. According to government officials, they are now utilizing various fraud schemes associated with the coronavirus pandemic. The common goal of these criminals is to get an...Read More
Planning For Retirement In The "New Normal”?
The world of COVID-19 is, at least for the foreseeable future, the new normal of society. That means that there's no time to slow down on retirement investing, as those same deadlines are coming up as quickly as ever. Below are some of...Read More
2021: Social Security To Spend More Than It Collects
The time is finally here. It’s when the chickens come home to roost. In most of the financial blogs of late concerning Social Security, it’s been nothing but doom and gloom. Everyone is scared the trust fund will run out of...Read More
Medicare "Must Knows"
Except in some rare cases, we all need to have a plan for our retirement years. Each person has individual financial goals along with their personal savings situation. Hopefully, you have a personal financial advisor to help manage the...Read More
It Could Be Called "Love" Insurance
Life insurance can be called "love "insurance because we use it to protect the ones we hold dear. It's the true definition of love for your family that can be the key to ensuring their future financial security. What is life insurance?...Read More
A Stimulus Check & Your Social Security Benefits Tax
This year has been quite an adventure for people who need to file and pay taxes. COVID-19's impact on the economy led to the delaying of the income tax filing date as well as the passing of the CARES Act, or what's otherwise known as...Read More
Insurance Policies For Each Stage Of Life
Raise your hand if you have insurance. That’s probably most of you. But did you know that you may need different types of insurance, and definitely different amounts of coverage, for each stage of your life? Here’s a...Read More
2020 vs 2019 tax Brackets
With a third of the 2020 tax year behind us, the Internal Revenue Service (IRS) has finally released the 2020 tax brackets. While it might seem a little late in the year, you still have plenty of time to make adjustments to your tax...Read More
How Is Your Retirement Confidence?
Retirement could be a stressful phase in your life if you did not do any prior planning before you became a retiree. This is because you need to put food on your table and pay bills like medical expenses, electricity, and water bills....Read More
2020 May Be A Good Time For A ROTH
Even during difficult financial times, opportunity can come knocking at your door. There is very little doubt that the current COVID19 pandemic has wreaked havoc on the U.S. economy, affecting almost every individual in its path. With...Read More
Summer Home Security Tips
Your home is your pride and joy and you should always feel safe and secure when you are in it.Summer is upon us and the warmer temperatures mean we are spending a lot more time outside, enjoying our grounds. Employ these simple tips to...Read More
What All Women Should Know About Personal Finance
Things have drastically changed for women in the past few decades. Not only do women now make up 50% of the workforce, (1) but they are also starting to play an increasingly important role in managing their household’s finances....Read More
Estate Planning & Unpaid Debts
When we pass, there will be debts that are left unpaid even if we stay caught up with our financial obligations. At the very least, there will be the medical bills accrued towards the end of life and any bills that can end up...Read More
Ask THIS Before You Claim Social Security
Should I claim my Social Security benefits now? It’s a common question, and it’s one that you’re very prudent in asking. Timing is the biggest facet in maximizing your benefits. Yet, you’ll get an array of...Read More
Announcing Our New Office Location
After over 20 years serving our loyal clients out of our California office, we are excited to announce that we have opened a second location in McKinney, Texas. As our firm continues to grow, we want to be able to expand our offering...Read More
Laid Off Before You're Ready To Retire?
If you have been one of the many impacted by COVID-19 and you’re closer to retirement than some, then you should look through these tips to see what you can do to overcome this problem. Check Your Savings Check your savings...Read More
UPDATE: RMD Requirements
If you missed the news, the IRS announced that if you already took out your maximum percent for your Required Minimum Distribution, you are still in luck. According to the IRS, you can still roll over those funds and put them back into...Read More
1on1financial is Growing!
We’ve expanded our team and want to introduce you to Kurt! Kurt Moseley is our new Financial Planner with over 10 years of experience in the financial industry. Kurt’s role within the company will be to review all aspects...Read More
Summer Travel: Flying in the Pandemic
After months of desolation at the airports, air travel has increased every week leading into the busy summer vacation season. With full flights becoming more of the norm, it is more challenging than ever to socially distance on planes,...Read More
Risk Tolerance Vs Risk Capacity: Knowing The Difference
The economy that we all wake up in each day under COVID-19 looks a lot different from the one that existed before the virus took hold in the United States and around the world. It has been a major point of reflection for people all...Read More
Our Mid-Year Economic Update
How’s your blood pressure as we reach the mid-year mark of 2020? If you’ve experienced whiplash from all the events of this year, you aren’t alone. And it all started with five letters and a number: COVID-19. While...Read More
Financial Lessons This Crisis Can Teach You
The current economic crisis was unexpected, but it hit quickly. Within a month, the stock market lost about a third of its value. Many investors were hit particularly hard. As states largely locked down, many workers saw their jobs...Read More
Your 401k Match is Suspended. Now What?
The recent global pandemic has caused many different types of economic fallout. It has resulted in many companies suspending the matching of their employee's 401(k) contributions. The Plan Sponsor Council of America conducted a survey...Read More
Please Welcome Our Two New Team Members!
1on1 Financial is growing! We’ve expanded our team and wanted to introduce you to Tony and Karen! Meet Tony Tony Nori is our new Financial Planner and Director of Branch Management and comes to us with 30 years of experience in...Read More
Recognize and Prevent Elder Financial Abuse
Yesterday was World Elder Abuse Awareness Day. There can be many ways the elderly are abused by family or those close to them. Let’s look at abuse from a financial aspect. Financial abuse can be a complicated subject, but at its...Read More
Don't Get Swept Up In The Recession
Between February of 2020 and June of 2020 the Dow Jones Industrial Index moved violently from around 27,000 down to below 20,000 and then very quickly back to around 25,000. Anyone watching those market movements surely had a great...Read More
We Are Almost Totally Virtual Now!
We are creatures of habit and many of us resist change. But life often forces us to adapt and be flexible, and that’s exactly what’s happened these past few months. At 1on1 Financial, we’ve had to create new workflows...Read More
Estate Planning in a Pandemic
The ongoing COVID-19 global pandemic has disrupted life in countless ways. The health crisis has led many people to examine their own mortality and realize that they are not prepared for the end of life situations. As the crisis...Read More
CARES Act Creates Tax Relief
In March 2020, the unemployment rate was 4.4 percent; just one month later the number had skyrocketed to 14.7 percent－the highest figure since the Great Depression of the 1930s. Some 29 million Americans are now temporarily or...Read More
Stimulus Payments Won’t Cut Into Your Tax Refund
In March 2020, the Federal Government passed the CARES Act. This act, a result of the massive COVID-19 pandemic that has infected over one million Americans, was responsible for the establishment of a variety of federal aid designed to...Read More
Is The Stock Market Making You Nervous Lately?
The history of the stock market is littered with examples of times when the market takes a dive downwards. However, there are a lot of reasons to believe that the latest market dive is one of the more extreme that most people have ever...Read More
Could An Intermediated Installment Sale Reduce Your Taxes?
No one likes to pay taxes, but it can be an especially hard pill to swallow when you’re selling a highly appreciated asset, like real estate, stock, or a business. Being pushed into the highest tax brackets and watching so much...Read More
Worried About Your Financial Plan? Schedule A Q&A Call Today
To say the coronavirus pandemic has taken the world by storm wouldn’t do justice to the severity of the situation. If it was just our health that was affected, that’s one thing. But unfortunately, we’re having to...Read More
Please Join Us For Our CARES ACT Webinar
This free webinar will take place via Zoom on Wednesday, May 13th at 4 pm PST. Save your spot today! What Is The CARES Act And How Does It Impact You? It’s no secret that individuals and businesses alike are struggling as...Read More
Beware of Coronavirus Scams
It appears the novel coronavirus is causing more than just damage to people's health. This situation is causing some people to experience serious financial harm from scammers. They are taking advantage of individuals for their money....Read More
Has Being Quarantined Changed Your Thoughts of Retirement?
The pandemic has some rethinking retirement plans, as this event has a lot worried about their post-career years. The sentiment of US citizens aged 65 and older echoed across the nation is that they have worries about their decisions...Read More
Updated Stimulus Check Info
If you’re still someone waiting and wondering about the status of your Stimulus Check, we are here to help you understand it all. The following information will focus on what you need to know about the stimulus checks the...Read More
COVID-19 Was Your Retirement Plan Test?
COVID-19 Was Your Retirement Plan Test? Countless Americans are worried about the impact that Covid-19 will have on the health of their families and friends, and indeed their own well-being. However, there is another concern that could...Read More
We Are Here For You Virtually!
Has the coronavirus pandemic and it’s far-reaching implications caused you to wake up worried or go to bed at night with your mind racing? For most of us, our schedules have been turned upside down; we don’t know...Read More
Do Your Friends & Family Need Financial Guidance During This Stressful Time? We’re Available To Help
We are living in unprecedented times, with hourly briefings and updates that cause many of us to panic or at least lose sleep at night. We get it. Life is going to look very different for a while, but thankfully one thing that...Read More
Near-Zero Rates From the Fed and What it Means For You
In a response to plunging numbers on the stock market, the Federal Reserve has stepped up to offer up some much needed relief in the form of a rate cut. With near-zero rates put in place, many are wondering how it will factor into...Read More
Medicare Expands Tele-Medicine Help Due TO COVID-19
Medicare recently announced the expansion of its telemedicine program to benefit seniors while they stay at home during the Coronavirus pandemic. This expansion will allow millions of senior Medicare participants to adhere to the...Read More
Annuities Have Been Around For Longer Than You Think
As the Stock Market wobbles, it has some thinking about “safe money” investments. The idea of having money saved up for retirement and receiving income during that period didn't start with the establishment of Wall Street....Read More
What You Need To Know About Recessions And Bear Markets
As global markets continue their roller coaster ride due to fears surrounding the coronavirus, our most recent bull market officially turned into a bear market. But what does that mean? And are we on the verge of another recession like...Read More
Stock Market Plunge: Have A Plan
Coronavirus has been plauging the stock market for weeks pushing the markets to record lows! Market volatility can lead to some serious stress on the part of new and old investors alike. The constant up and down of the market can...Read More
Coronavirus and Your Travel Plans
Coronavirus and Your Travel Plans Coronavirus is continuing to spread worldwide since its origination in China. The virus has entered countries in the Middle East, countries in Europe and even America. It is important to consider what...Read More
What Should You Do About The Coronavirus And Stock Market Volatility?
The financial markets took a big dip early this week over fears about the spreading coronavirus, erasing gains from earlier this year. After the Dow lost over 800 points on Tuesday, it was down a total of 1,900 points in two days....Read More
Introducing Our New Team Member!
1on1 Financial is pleased to announce the newest addition to our team! Andrea Kaufmann has joined 1on1 financial and has the role of Client Service Specialist. She will be working with Alina Leon, taking care of all areas of client...Read More
Savings vs. Income in Retirement
When thinking about retirement, you should make sure to have a clear understanding of savings vs. income. When thinking about retirement, many think about a particular savings amount that they would like to reach. This type of thinking...Read More
Changes to Required Minimum Distribution Rules
With the passage of the SECURE Act in December 2019, current and future retirees can expect to see significant changes which are likely to impact their tax planning for retirement. Most notably, perhaps, is the increase in the Required...Read More
What Might We Expect From The Markets In 2020?
Every year brings plenty of change, and nowhere is that more obvious than in the markets. In January 2019, we started the year having just survived a difficult December where the market dropped drastically due to recession worries....Read More
Thinking About Rolling Over Your 401k?
An increasing number of employers offer 401(k) plans for their employees. It's estimated that the average employee will have 10 jobs before they hit 40 years old. This means that there are millions of 401(k) accounts that are...Read More
To Work Or Not To Work In Retirement. That Is The Question.
The retirement age of 65 was chosen for Social Security at a time when average life expectancy was 67. Overall, life expectancy has trended up since then, so it should come as no surprise that 9 million Americans over age 65 now work...Read More
The SECURE Act And Your Retirement: What Do You Need To Know?
Are you afraid of outliving your money in retirement? If you said yes, you’re not alone. Running out of money is the number-one fear people have as they transition into retirement. (1) With life expectancy on the rise,...Read More
The Good and Bad of Retiring Early
When it comes to retiring early, some of the benefits are obvious. You get to live your life without the constraints of work, and you are able to pursue your own interests. But there are other good reasons for retiring early, and there...Read More
Long Term Care, Why It Matters
Millions of people in the U.S. are unable to care for themselves and need long-term care services. These people need assistance in performing one or more self-care activities of daily living such as eating, bathing, dressing, and...Read More
How To Catch Up For Retirement In A Hurry
The marathon to retirement is long, and finally you can see the finish line just around the corner. But are you finding yourself unprepared for this major transition? In order to enjoy the fruits of your labor and achieve a regret-free...Read More
Money Conversation with Your Kids
Planning for retirement sometimes is filled with numerous preparations. One step at a time you put your life and your finances in order so that the remainder of your years are spent enjoying the lifestyle and security you have worked...Read More
How to Recognize and Prevent Elder Financial Abuse
Financial abuse can be a complicated subject, but at its most basic level it involves taking advantage of an older adult through manipulation or intimidation to steal their money or property. What are the risk factors for financial...Read More
Take Our 2019 Client Survey
By Philip A. Board MSFS, CFS Everything we do at 1 on 1 Financial is for you, our clients. From our services to our hours to our communication, we strive to serve you best and address your financial needs. Your satisfaction is our...Read More
Schedule A Social Security Review Meeting Today!
Retirement is one of the most pivotal milestones you will reach in life. That’s why it’s so important to prepare for all aspects of the transition so you can enjoy the fruits of your labor. One major aspect to consider is...Read More
SECURE Act & Your Retirement
If you were busy with the holiday hustle-and-bustle, you may have missed some of the details of the SECURE Act. Your retirement planning process will likely need to be reviewed because of the SECURE, or Setting Every Community Up for...Read More
Retirement Resolutions for A New Year
Retirement Resolutions for A New Year Some Americans are making their financial health a priority in the new year with resolutions to increase savings, reduce debt, and cut unnecessary spending. According to a survey conducted by...Read More
Plan To Have Medicare Coverage For Your Winter Travel
As a senior you should plan to protect your health no matter where you might venture. If you currently have Medicare or a Medicare Advantage plan, you shouldn't have any problems getting the care you need anywhere in the US. It's when...Read More
Have You Had The Financial Talk With Your Kids? We’re Here To Help
We all know that being a parent means wearing many hats; that of a chaperone, housekeeper, teacher, cook, counselor, just to name a few! In the midst of the day-to-day chaos of carpool, homework, making dinner, laundry, and cleaning,...Read More
Qualified Charitable Contributions for 2019
We are nearing the end of 2019 and the opportunity to give for this year. If a person has reached the age of 70.5 they can make cash donations to charities that are approved by the IRS that are outside of the scope of their IRA. These...Read More
2020 Important Retirement Numbers
Every new year brings a fresh beginning, this can be just as true now as it ever was. In 2020, expect increases in savings pretax limits for workers looking toward retirement. If you've already reached retirement age, you'll see a...Read More
Should You Use Credit Or Debit Cards For Holiday Shopping?
Holiday shopping is underway for many with “Black Friday” and “Cyber Monday” already behind us. One small question you might ask yourself is whether you should pay for your items with a credit or debit card....Read More
How To Prepare For An Unexpected Death
No one wants to think about losing a loved one. And if we avoid even thinking about such a tragedy, of course we also avoid preparing for it financially. However, no matter how sad and uncomfortable this conversation may be, it should...Read More
Do Presidential Elections Actually Impact The Stock Market?
More often than not, whenever a presidential election year is underway, you will hear a lot of news anchors and financial analysts will talk about the economy and the stock market. There will often be self-proclaimed experts who have...Read More
2020 Contribution Limits for Employer Sponsored Plans
The 2020 contribution and benefit limits have been released by the IRS. The contribution limit for employees who participate in 401(k), 403(b), most 457 plans, and the federal government’s Thrift Savings Plan is increased. The...Read More
We Have A Podcast!
At 1on1financial, we are passionate about equipping people with the knowledge and tools they need to make smart financial decisions and achieve their ideal financial future. Most of you live on-the-go lives and need that information...Read More
2019 Catch Up Contributions
The IRS does a good job of providing the country's elder statesmen with ways to save for retirement. Some of the most popular investment vehicles the IRS provides access to for the benefit of US taxpayers include 401(k) accounts and a...Read More
What You Need To Know About Medi-cal Benefits
Many California residents think they must live at the poverty level to qualify for Medi-Cal Long-Term Care benefits, but this isn’t true. Medi-Cal has over 90 eligibility categories, each with its own guidelines. We created...Read More
The Pros And Cons Of Deferred Compensation
If you’re a successful professional, you may have been notified by your human resources department that you are eligible to participate in your company’s deferred compensation plan. Before signing on the dotted line, you...Read More
What To Do When You Inherit Your Parents' House
The largest wealth transfer in the history of the world is currently in process. It's estimated that around $68 trillion will switch hands over the next 25 years. Baby Boomers are currently retiring, and many of them will pass of the...Read More
Should You Delay Retirement?
Retirement is a dream for most Americans. Sure, there are people like Warren Buffett who love to work. Most people do not. If you're one of those people who want to retire, the question arises of when a good time to retire might be....Read More
Should You Keep That Whole Life Policy?
When you did your due diligence and bought a life insurance policy, you had a whole slew of options to choose from. Not only did you need to educate yourself on the differences between term, convertible term, and whole life insurance,...Read More
Medicare Open Enrollment Starts Soon; Here’s What You Need To Know
No matter where you are in the retirement planning process, you’ve probably heard of Medicare, a federal insurance program designed for people older than 65. What you might not know is that with Medicare, there are many options...Read More
Are You Prepared For Medicare Open Enrollment?
If you are approaching the age of 65 or already an eligible beneficiary, open enrollment for 2020 Medicare health benefits starts soon. For new enrollees over 65 or turning 65 and don’t have medicare, you can sign up from October...Read More
Life Insurance, It's Not For You!
September is Life Insurance Awareness Month which gives us a reason to talk about a subject that some try to avoid. Life insurance can conjure up dark images. Many people are jarred into realizing the importance of buying life...Read More
Recession and Retirement
There has been a lot of chatter recently by economists and news outlets using the word “recession”. Understanding that it could happen and understanding how to handle it are different matters. If you are one of those...Read More
Adding Step Children to Your Estate Plan
If you want to leave part of your estate to your stepchildren, you are required to specify that in your will. If a stepparent dies without a will, the children will not get any part of the estate even if the deceased stepparent wanted...Read More
What Does Retirement Mean To You?
You probably think about retirement a lot, even more so if you’re getting close to this major milestone. But what is it you are thinking about when you imagine your golden years? Spending your days on a golf course? Doting on...Read More
Bad Idea? Women Leave Money Decisions To Their Spouse
When couples get married the finances are typically left to one person. It is rare for both parties in a marriage to handle the finances together. In some cases, it is the wife that is leaving the husband to handle all financial issues...Read More
Financial Planning Challenges For Children With Special Needs
As the parent of a child with special needs, you face many unique challenges—increased medical expenses, highly specialized care, and the need for extra support. To top it all off, you constantly worry about what would happen to...Read More
Managing Inflation Risk with Fixed indexed Annuity Payouts
Introduction You cannot talk about finances without discussing inflation in some capacity. A lot of people bring it up, but how many know what it means for them? We will explore inflation and how it could impact you below. What is...Read More
Baby Boomers Bomb This Question
With all of the day-to-day demands on your finances, sometimes it is difficult to have a strong grasp on what your overall financial picture really looks like. While many people may be very in tune with one segment of their financial...Read More
Are You Maximizing Your 401(k)?
Surely you’ve heard it said, “Work smarter, not harder.” This concept applies to most areas of life and especially to retirement. The more money you have saved up in your 401(k), the more freedom you will ultimately...Read More
My Three Favorite Restaurants In Upland, CA
People are eating out more now than ever before. Whether you’re strapped for time, don’t know how to cook, or just want to indulge, Upland, California, is chock-full of culinary cuisines just waiting to take your tastebuds...Read More
Take a Summer vacation... for your mental health!
The Forty-hour work week paired with a busy schedule tends to be a recipe for stress and burn out. While practicing daily self-care in small increments is an important piece to preventing burn out, periodically taking a prolonged break...Read More
1on1Financial Supports The Young Survival Coalition
It wouldn’t be a stretch to say that we’ve all been touched by cancer in some way, shape, or form. Whether it’s helping a family member through treatment, seeing a friend receive a disheartening diagnosis, or even...Read More
Is Your Pension at Risk?
Everyone faces the concept of retirement at some point. The closer an individual gets to retirement age, the more concerned he may become about his ability to live comfortably after retirement. It may also make him wonder whether his...Read More
Probate & Your Retirement Accounts
Planning for retirement allows for many considerations and avoiding Probate is one of them. The good news is if own a retirement account and have named beneficiaries, the account does not have to go through the probate process in most...Read More
Our Midyear 2019 Economic Update
Summer is on the way and we are about to launch into the second half of 2019! No matter what the first part of the year held for you personally, the economy’s shaky start definitely improved as time went on. Let’s take a...Read More
Bill on Big Changes to U.S. Retirement System Moves to Senate
The Setting Every Community Up for Retirement Enhancement Act (SECURE Act) recently passed in the House of Representatives by a margin of 417-3 last Thursday. The bill is slated to be successfully ratified into law by the U.S. Senate...Read More
Philip Board Presents At Centaurus Quantum Leap Workshops!
It’s no secret that our team here at 1on1 Financial is passionate about education, especially when it comes to growing in our own knowledge so we can better serve you. And we’re proud to say that our founder, Philip Board,...Read More
Top 10 Important Ages for Retirement Planning
It is never too early to begin thinking about retirement. Even if that season of life is decades away for you, the financial decisions that you make now can have a significant impact on your quality of life later down the road. As you...Read More
UPDATE: 2019 - 401(k) and IRA Limits
Although we assume many of our readers know what a 401(k) and an IRA are, let’s cover these quickly. What is a 401(k)? 401(k) retirement, savings, and investment accounts are places to store money in which your contributions are...Read More
Preparing For Incapacity & Long Term Care
Preparing For Incapacity & Long Term Care Individuals working for years and planning for retirement ultimately lead to be dynamic go-getters who don't want to think about the limitations and possible incapacitations of old age. However...Read More
Charitable Giving Under The New Tax Law
Just a year ago, the Tax Cuts & Jobs Act was all the rage. Though it no longer holds the public spotlight, it is actually now that we are starting to feel its effects. Tax season was just upon us, and there were changes in store for...Read More
Top Asked Social Security Benefit Questions
Social Security is one of the main benefit programs for workers in the United States. At some point, almost everyone will collect something from Social Security. If you are getting close to collecting from Social Security, you might be...Read More
Naming Guardians For Your Minor Children
One of the crucial decisions in life if you have minor children is to make arrangements for the guardian or guardians who will finish raising your children if you and your spouse should happen to die in a common accident or weather...Read More
Do You Know Someone Who Needs Our Help?
Hitting both record highs and record lows, it’s no secret the markets have been a bit chaotic lately. Nonetheless, whether the markets become steady or increasingly erratic, it’s imperative we remember two key facts. First,...Read More
Retirement Reform in 2019
Two years ago, the current government built their own mark on the United States with what some call the most necessary and important tax reform. The retirement reform that they are planning might be the long shot of 2019 since there...Read More
Taxes & Your Retirement Years
Taxes are on the minds of many as we just passed the 2019 tax deadline. Unfortunately, many retirees every year fail to properly account for taxes when deciding things such as budgets, withdrawal rates, and whether or not they have the...Read More
At 59 ½ – You Can Take Control!
Before you turn 60 years old, your 401k plan has a set up that you may want to take advantage of. In the past, there has been a lot of middle-aged taxpayers who were scared to open certain bank accounts. Nowadays, those thoughts of...Read More
The Tax Law – One Year Later
Tax season – the period between January and April 15, when most people file their taxes – is often a hectic time. But this year’s tax season is special. It’s been a little over a year since the Tax Cuts and...Read More
Financial Planning For Aging Parents
She taught you to tie your shoes. He taught you to drive. She helped you get your first job. He showed you how to file your taxes. While your parents are the responsible ones in your younger years, guiding you to become a successful...Read More
Could Financial Planning Reduce Your Tax Bill?
Did you know you spend almost four months of every year working to pay the IRS? (1) The general consensus is pretty clear: taxes are no fun! For many, just the thought of having to prep and file can cause great distress. To add to the...Read More
Your 2019 Social Security Benefit Guide
About one in six Americans are currently receiving Social Security benefits, most of them retirees. Born out of the need for a safety net during the Great Depression, it is now the major source of income for at least half of the...Read More
How Might The Market Behave In 2019?
People are talking. They’re anxious to see where the market is headed. Maybe you’re one of those people, wondering what 2019 holds, what the economy will do, how you can prepare. Wishing someone with a crystal ball would...Read More
Who Is Driving The S&P 500?
The S&P 500 has been in the news a lot lately because of the roller coaster ride it has had investors on over the past couple of months. Chances are, you are one of those investors and know just what I’m talking about. The S&P...Read More
Take Our 2018 Client Survey
Here at 1on1financial, we believe that your success is our success and have made it a priority to build lasting, meaningful relationships based on trust, integrity, and superior service. Your satisfaction is our primary concern. In...Read More
Happy Holidays From 1on1 Financial
With the holiday season in full swing, our team at 1on1 Financial would like to take this opportunity to wish you and yours a happy holiday and a wonderful new year! 1on1 Financial is grateful to have clients like you. We appreciate...Read More
What Should You Do During A Stock Market Decline?
The markets took a big dip early this week, reacting to fears of potential trade wars and an economic slowdown. After the Dow lost nearly 800 points, investors are understandably nervous. If you are worried about your retirement...Read More
Long-Term Care Month: What's Your LTC Plan?
The last thing you want when you reach retirement is to realize that you missed something, that there was a gap in your planning. Unfortunately, many Americans do not have a long-term care plan, with only 1 in 5 adults taking any...Read More
What We Are Thankful For In 2018
Happy Thanksgiving from our team at 1on1 Financial! We want to take a moment to thank you for being a part of our family. We sincerely appreciate the trust you place in our firm, and we take our responsibility to you and your family...Read More
How To Prepare For An Unexpected Death
How much time have you spent thinking about your future death? If you’re like most people, probably not much. Thinking about your death or that of a loved one can bring up plenty of unpleasant emotions, but having a plan to take...Read More
Make An Online Appointment Now!
If you’re like me, your to-do list is about a mile long. And you would think that we would knock out the easy stuff first, but when we get busy, the tasks that tend to fall down the priority list are usually simple ones, like...Read More
Life Insurance Month: Do You Need A Life Insurance Review?
Do you have a life insurance policy? If you do, when was the last time you checked in on it? Life insurance is often seen as a set-it-and-forget-it financial product, but your personal situation may have changed throughout the years,...Read More
Medicare Open Enrollment Starts On October 15th. What Do You Need To Know?
Preparing for retirement requires a seemingly never-ending list of details to take care of. You need to save enough to maintain your lifestyle, create a withdrawal strategy, employ strategies to minimize your taxes, and claim your...Read More
How To Handle A Loved One Needing Long Term Care
Whether it is a chronic illness or a progressive one such as Alzheimer's, it may not be feasible for you to give the care needed for a loved one 24/7. First, it’s an emotional time and it’s natural to feel all sorts of...Read More
Did You Know 1on1 Financial Runs On Referrals?
Running an investment firm differs from most other businesses in a few ways, but perhaps one of the main differences is how we grow and flourish. Simply put, we run on referrals, and we are grateful for them. These generous referrals...Read More
Announcing Medi-Cal Benefits, For Your Long-Term Care Needs
Statistics show that someone turning 65 today has almost a 70% chance of needing some kind of long-term care services at some point in their life. A full 20% will need care services for 5 years or longer. (1) And, with the rapid pace...Read More
How Might Tax Reform Affect Your Estate Plan?
Any time a change in tax policy occurs, it affects more than just your paycheck. In the case of the recent Tax Cuts and Jobs Act, Trump’s much-anticipated tax reform bill, we know that it lowers tax rates for individuals and...Read More
A Financial Plan Checkup and a Cup of Coffee
When we face life’s inevitable decisions, such as a career move, relocation, or a medical treatment, we tend to conduct research and gather as much information as possible. Sometimes we look to trusted mentors, family, friends,...Read More
2018 Advisor Summit: Continuing Education for 1 on 1 Financial
Benjamin Franklin once said, “Without continual growth and progress, such words as improvement, achievement, and success have no meaning.” Here at 1 on 1 Financial, we agree and invest both time and money into our continual...Read More
Here’s Why the Dow Doesn’t Really Matter
Chances are you’ve heard of the Dow Jones, regardless of how much market knowledge you have. The Dow Jones Industrial Average is the oldest and best-known stock market index and has been around since 1896. But just because it has...Read More
Is Your Retirement Plan Ready for a Market Downturn in 2018?
If you’ve kept an eye on the markets in the past year, you know that 2017 was a banner year for stocks. In fact, both the Dow Jones and the S&P 500 celebrated the launch of 2018 by reaching record highs (1) and until the...Read More
How To Prepare For Tax Season
Would you rather file your taxes or go without your phone for a week? 28% of Americans dread tax season so much they’d voluntarily give up their cell phones just to avoid it. Since you have to face it eventually, the sooner you...Read More
What Should You Do During a Stock Market Decline?
The markets took a big dip Monday morning, with the DOW losing over 1,500 points for the first time in a single day. Many investors, especially those close to retirement, are understandably nervous. But now is not the time to make rash...Read More
How Could Tax Changes Affect Your Financial Plan?
After months of debating and revising, Congress closed out 2017 by passing the new Tax Cuts and Jobs Act on Wednesday, December 20, 2017, which was subsequently signed into law by President Trump. Since the campaign trail, President...Read More
Thanks for Joining Us for Our Holiday Party! [Photos]
One of the highlights of our year here at 1on1financial is our memorable holiday party. This is a time for our staff and spouses or significant others to socialize and connect outside of work hours. This year, we went all out, rented a...Read More
Welcome Our New Team Member!
Here at 1on1financial, we believe that our success is built on developing lasting, meaningful relationships based on trust, integrity and superior service. Everyone on our team uses their unique skill set to to provide you with the...Read More
What Is Your Financial Freedom Number?
What is it that motivates you to work so hard? Do you slave away just to pay the bills, go on some vacations, put a bit aside for the future, and call it a day? Most of us just want to have “enough.” Enough to do what we...Read More
Four Habits For Financial Success
We’ve all heard the term “get rich quick.” In most cases, this is more of a dream than a reality. Shortcuts to accumulating wealth rarely pay off unless you are lucky enough to win the lottery. What will make the...Read More
Announcing Our New Team Members!
1on1 Financial is pleased to announce the newest additions to our team! As an investment management firm, we are always striving to offer exceptional service and focused, personal attention. Our goal is to have the expertise and...Read More
How to Retire at 65: 4 Retirement Decisions You'll Need to Make
As a professional, executive or business owner, you’ve worked hard throughout your career. You give of yourself to your work, serving others and striving to make the world a better place. But even with a fulfilling career, you...Read More
Frequently Asked Questions About Our Process
A personalized financial and investment strategy can provide a powerful tool in helping you take action toward reaching your long-term goals. For many, working through the financial planning and investment process for the first time...Read More
Photos from Philip’s 50th Birthday Celebration
I recently reached a significant milestone in my life - my 50th birthday! We celebrated with a bang and I wanted to share some photos from the big event. Philip and his wife Patricia, who celebrated her birthday the day before, Posing...Read More
Financial Planning for Special Needs
As an attorney focusing on serving clients with special needs, I understand how important it is to work with an expert who understands your unique situation. That’s why I’ve partnered with Joel Harworth, an independent...Read More
Our Referral Process
Our business is different from other businesses in a few ways, but perhaps one of the main differences is how it grows and flourishes. Simply put, our business runs on referrals, and we are grateful for them. Your generous referrals...Read More
What To Do When the Market is Up
You may be seeing a lot in the news lately about what to do when the market goes down. For the last several years people have been vehemently predicting a market downturn, but the market doesn’t seem to care. It just ignores them...Read More
Are You One of the 62% of Americans Making This Financial Mistake?
If you’re worried about your finances and future retirement, you aren’t alone. Americans’ fears regarding their lifestyle, medical bills, and retirement continue to increase each year. More than 50% of Americans worry...Read More
Is 2017 the Year You’ll Create a Path to Financial Freedom?
At one point in life, retirement seemed like something in the distant future, something to plan for and have in the back of your mind, but not a pressing issue. As time has moved on, you have probably found yourself in a stage of life...Read More
How Much Are You Losing to Idle Cash?
There’s no denying it: it’s thrilling to see the numbers add up in our bank accounts. Seeing a high balance makes us feel secure, and ensures we have cash ready and available should we need it. But could keeping all that...Read More
Exclusive 1on1financial Offer for Orange Coast Velo Members
Philip Board and 1on1financial have been supporting Orange Coast Velo for a few years. Philip is a retirement planning specialist and the founder of 1on1financial, an independent investment firm. He’s also an avid cyclist, both...Read More
Exclusive 1on1financial Offer for Orange Coast Velo Members
For Orange Coast Velo members, Philip and his team are offering a free Risk Analysis report and a no obligation second opinion on your financial plan! To get your free Risk Analysis, click here. To set up a time to speak with Philip...Read More
How to Prepare Your Financial Plan for the Trump Presidency
As of inauguration day on January 20th, Donald Trump is now our president. This election season was a wild ride, but now the election dust has started to settle. Experts have begun to analyze and dissect Trump’s campaign promises...Read More
Make An Appointment Now to Update Your Financial Plan For 2017
A new year is a time for fresh starts, new goals, and renewed motivation. New Year’s resolutions usually lead people to purchase gym memberships, pledge to travel more, or make an effort to spend more time with family and friends...Read More
Ten Financial Actions To Take Before December 31st
With only a couple of weeks left in 2016, it’s an ideal time to take stock of the past year and fine-tune your plans for 2017. While December can be a celebratory time of year as we enjoy the holidays and get caught up in the...Read More
How Will the Election Results Affect the Market?
After a tumultuous and dramatic election season, the results are in. This election was certainly one for the history books. Because both polls and markets had expected a Clinton victory, the markets are reeling from the surprise...Read More
A Checkup For Your Finances at Every Age
Most people visit their doctor at least once a year. You get vaccinations to prevent diseases, checkups to nip any blossoming issues in the bud, and medications or tips on how to fight illnesses. It’s crucial that you do the same...Read More
Could a Deferred Sales Trust Help Reduce Your Tax Bill?
Do you have highly appreciated assets, such as real estate, stock, or businesses, that are causing you tax worries? If you find yourself with these assets and would like to diversify to generate income and increase stability, we can...Read More
Try Our Online Life Insurance Quote Engine!
Do you know that September is Life Insurance Awareness month? This is an opportune time to take a look at the importance of life insurance for you and your family and research the options available to protect your loved ones. At...Read More
Three Unexpected Reasons Your Retirement Plan May Fail
We all hope to have a secure retirement, where we can focus on our passions and family without having to worry about our financial situation. But according to the Employee Benefits Research Institute, only 22% of Americans are...Read More
A Second Opinion and A Cup of Coffee
When the markets are as unstable and confusing as they have been over the past several years, even the most patient investors may come to question the wisdom of the investment strategy they have been following. Not only that, but life...Read More
How Will the Market Perform in an Election Year?
With each political party’s national convention behind us, Donald Trump and Hillary Clinton are no longer presumptive nominees, but official. They will now fight each other tooth and nail until November 8 when our nation’s...Read More
How Much Do You Know About Social Security? (Quiz)
Many of those approaching retirement have not fully considered how their Social Security benefit will affect their overall financial plan. Although Social Security was created during the Great Depression as a retirement safety net,...Read More
How Will the Brexit Affect Your Portfolio?
As you’ve likely heard in the news, voters in the United Kingdom (U.K.) have chosen to leave the European Union (E.U.) after 43 years of membership. The resulting “Brexit” will likely affect the U.K. markets as well...Read More
Where is Your Money Parked? (Video)
Did you know that parking lots and garages can make strong investments? Each year, the U.S parking industry earns billions of dollars. Many economists believe that parking facility investments have the ability to rise with inflation....Read More
Did You Know 1on1financial Runs on Referrals?
At 1on1financial, our business is different from other businesses in a few ways, but perhaps one of the main differences is how we grow and flourish. Simply put, we run on referrals, and we are grateful for them. Your generous...Read More
Giving Back with 1on1financial.com
At 1on1financial, three of our biggest passions are financial planning, biking, and giving back to the community. We’re fortunate enough to be able to combine these, whether we’re biking for charity, helping clients invest...Read More
Should You Use a Traditional or Roth IRA?
So you’ve left your job and you’ve decided to bring your 401(k) account with you by rolling it into an IRA (Individual Retirement Account). You don’t want that old company having any more control over your money than...Read More
Last Chance to Contribute to Your IRA for Tax Year 2015
Tax day is almost here, and many of us are scrambling to get the last of our tax documents in order. There is still time left to make a last-minute contribution to your IRA for tax year 2015. This year, contributions must be made by...Read More
Key Financial and Tax Data for 2016
Take a look at the key financial and tax data for 2016, including limits, deadlines, and more! KeyFinancialData2016Read More
Should You Rollover Your Old 401(k) Plan?
Often touted as a defining characteristic of the Millennial Generation, Americans these days are bouncing from job to job at an alarming rate. In 2012, the Bureau of Labor Statistics says the typical US worker stayed on the job for 4.6...Read More
Preparing for Tax Season
Our “By the Numbers” infographic highlights some of the changes in the federal tax code that may impact your tax filings. Provided by Nationwide InsuranceRead More
Do You Have a Strong Investment Defense?
As we saw in Sunday’s big game between the Denver Broncos and the Carolina Panthers, a strong defense is a critical part of any winning strategy. It doesn’t matter how talented your quarterback is, or how many yards your...Read More
The Road to Financial Independence
What Should You Do After Last Week's Stock Market Decline?
Last week was an awful trading week on Wall Street, with the S&P 500 posting its worst year-opening week in history by losing 6%. Global stock markets lost $2.3 trillion, alarming investors who worry about the market forecast for the...Read More
Happy Holidays to You and Yours!
You can’t help but feel cheerful this time of year. At 1on1financial, we are enjoying the holiday spirit, from decorating the office or celebrating with our families. The holidays provoke a sense of warmth, community, and reflection....Read More
Your Last-Minute Financial Planning Checklist for 2015
As we approach the end of the year, it’s a good time to review your financial plan and take advantage of some last-minute opportunities to lower your 2015 tax bill. Some items require action before December 31st, while others can wait...Read More
Why I Became A Financial Advisor
As we celebrate all we are thankful for this time of year, I wanted to take a moment to share my story with you.Read More
Press Release & Holiday Hours
It’s a boy! It is with great joy we announce the birth of a baby boy to Isahi "Mia" on our team. Although he was born weeks early at 4.8 pounds, both baby and mom are doing well. Isahi will be out on maternity leave until January. You...Read More
Road Biking with 1on1Financial (Video)
At 1on1Financial, we are passionate about road biking. In a lot of ways, the challenges and excitement present in road biking are similar to financial planning. Watch this video to learn more.Read More
Overlooked college planning.
Congratulations your baby has grown up and left for college. On one hand you're missing them dearly, on the other you're excited to "re-claim" their bedroom as your new sewing/workout/mancave space.You've spent hours stressing over the...Read More
Modern Retirement Planning Workshop
Here's the most current invitation to our upcoming educational workshop, Modern Retirement Planning. MRP InvitationRead More
WE'RE EXPANDING!I hope you're enjoying your summer and have spent some time with your family and friends. My wife, Patricia, I along with our adopted Chinese daughter Emma, now almost 6, will be leaving for China on July 15th. I'll be...Read More
Mountain Bike Video
Market Pulse Marsh July 24th
Weekly Managers Pulse 07-24-15Read More
Real Estate 1031 Exchange
For anyone who is investing in real estate using a 1031 can be a valuable tax saving tool.Please read the brochure found on the link to learn more. 1031 Tax Deferred ExchangeRead More
2015 Tax Information
This is a cheat sheet to help you determine your tax bracket, some deductions or to max out your retirement plan. Click here for the downloadable pdf of the 2015 Tax Information.Read More