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Thoughts and reposts from 1on1financial and staff.   

 

Tuesday, August 13, 2019

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...

 

Monday, August 5, 2019

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...

 

Sunday, August 4, 2019

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...

 

Wednesday, July 31, 2019

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...

 

Monday, July 29, 2019

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...

 

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Monday, July 29, 2019

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...

 

Tuesday, July 9, 2019

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...

 

Wednesday, June 26, 2019

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...

 

Sunday, June 23, 2019

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...

 

Wednesday, June 19, 2019

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...

 

Sunday, June 16, 2019

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...

 

Sunday, June 9, 2019

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...

 

Friday, June 7, 2019

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...

 

Sunday, June 2, 2019

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...

 

Thursday, May 30, 2019

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,...

 

Sunday, May 26, 2019

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...

 

Sunday, May 19, 2019

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...

 

Sunday, May 12, 2019

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...

 

Thursday, May 9, 2019

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...

 

Monday, May 6, 2019

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...

 

Sunday, April 28, 2019

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...

 

Thursday, April 18, 2019

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,...

 

Sunday, April 14, 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...

 

Sunday, April 7, 2019

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...

 

Monday, March 25, 2019

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...

 

Saturday, March 16, 2019

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...

 

Wednesday, March 13, 2019

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...

 

Wednesday, March 6, 2019

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...

 

Thursday, February 21, 2019

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...

 

Monday, January 28, 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...

 

Wednesday, January 23, 2019

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...

 

Thursday, January 3, 2019

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...

 

Thursday, December 13, 2018

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...

 

Friday, December 7, 2018

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...

 

Wednesday, November 21, 2018

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...

 

Monday, November 19, 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...

 

Wednesday, October 24, 2018

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...

 

Friday, October 5, 2018

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...

 

Wednesday, September 19, 2018

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,...

 

Thursday, September 6, 2018

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...

 

Tuesday, September 4, 2018

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...

 

Monday, July 23, 2018

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...

 

Monday, June 18, 2018

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...

 

Thursday, May 31, 2018

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...

 

Friday, May 11, 2018

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,...

 

Wednesday, April 4, 2018

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...

 

Friday, March 30, 2018

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...

 

Saturday, February 24, 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...

 

Saturday, February 24, 2018

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...

 

Monday, February 5, 2018

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...

 

Thursday, February 1, 2018

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...

 

Thursday, January 11, 2018

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...

 

Tuesday, December 5, 2017

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...

 

Thursday, October 26, 2017

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...

 

Friday, October 13, 2017

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...

 

Wednesday, October 11, 2017

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...

 

Tuesday, September 19, 2017

If you have a credit report (and most of us do), there’s a good chance that you were one of the estimated 143 million Americans affected by the recent Equifax Data Breach. If you have been affected, it’s important to be...

 

Saturday, September 16, 2017

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...

 

Friday, September 8, 2017

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...

 

Sunday, June 25, 2017

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...

 

Thursday, June 15, 2017

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...

 

Wednesday, June 7, 2017

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...

 

Wednesday, June 7, 2017

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...

 

Tuesday, April 4, 2017

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...

 

Wednesday, March 22, 2017

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...

 

Wednesday, March 22, 2017

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...

 

Friday, March 3, 2017

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...

 

Friday, March 3, 2017

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...

 

Sunday, January 29, 2017

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...

 

Monday, January 2, 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...

 

Wednesday, December 14, 2016

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...

 

Thursday, November 10, 2016

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...

 

Thursday, November 3, 2016

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...

 

Wednesday, September 21, 2016

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...

 

Friday, September 16, 2016

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...

 

Monday, August 15, 2016

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...

 

Wednesday, July 27, 2016

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...

 

Monday, July 18, 2016

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...

 

Tuesday, July 12, 2016

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,...

 

Monday, June 27, 2016

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...

 

Thursday, June 2, 2016

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....

 

Thursday, May 19, 2016

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...

 

Thursday, May 19, 2016

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...

 

Tuesday, May 3, 2016

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...

 

Tuesday, April 5, 2016

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...

 

Thursday, February 25, 2016

Take a look at the key financial and tax data for 2016, including limits, deadlines, and more! KeyFinancialData2016

 

Monday, February 22, 2016

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...

 

Wednesday, February 17, 2016

Our “By the Numbers” infographic highlights some of the changes in the federal tax code that may impact your tax filings. Provided by Nationwide Insurance

 

Monday, February 8, 2016

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...

 

Friday, January 22, 2016

 

Tuesday, January 12, 2016

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...

 

Thursday, December 10, 2015

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....

 

Monday, December 7, 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...

 

Tuesday, December 1, 2015

As we celebrate all we are thankful for this time of year, I wanted to take a moment to share my story with you.

 

Monday, November 23, 2015

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...

 

Tuesday, October 6, 2015

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.

 

Tuesday, October 6, 2015

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...

 

Friday, August 14, 2015

Here's the most current invitation to our upcoming educational workshop, Modern Retirement Planning. MRP Invitation

 

Tuesday, July 14, 2015

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...

 

Monday, June 29, 2015

 

Wednesday, April 8, 2015

Weekly Managers Pulse 07-24-15

 

Tuesday, March 17, 2015

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 Exchange

 

Thursday, February 19, 2015

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.