Communal Retirement Living… No Love Beads Required

Communal Retirement LivingFor many of us, communal living conjures up images of the sixties… complete with fringed jackets and love beads. With memories of the economic meltdown during The Great Recession (2007 to 2012), many of us wonder if we’ll have the financial cushion needed to retire comfortably. Some of my clients are exploring their housing options as they age. Communal retirement living may just be the answer to that financial question.

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Posted in Caring for Seniors, Relationships & Money | 2 Comments

Saving Energy this Winter

Daylight Savings Time is officially behind us and we’re gearing up for chillier (and hopefully rainy) weather. With our moderate climate in the Bay Area, it’s common that my clients get used to lower-than-average utility bills through the summer and early fall. If your heating bills skyrocket during the winter, let’s explore ways to save.

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Posted in Spending Plans & Budgets | Leave a comment

Smart Shopping During the Holidaze

Can you believe it’s November already?! Black Friday, Cyber Monday and Giving Tuesday are just around the corner.

For those on a budget or have limited time for the daze of holiday shopping, here are a few financial tips to give you more cookie dough in your wallet and remain on Santa’s nice list.

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Home Insurance, Disaster Protection & Annual Reviews

The fires in Sonoma and Napa Counties are a sad reminder of how quickly disaster can strike. If you’re a homeowner and haven’t looked at your insurance policy lately, now is the time. It’s time to get reacquainted with what’s covered, what’s not, and how to balance the cost and benefits.

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Equifax Breach & Protecting Yourself

Between Equifax and the Yahoo breaches, millions of Americans and billions of accounts were exposed. Rather than rant and rave about how security violations happen, I’d like to focus on how to take control. Given the laws of probability, we all experience some kind of fraud or exposure. Many of the tips shared below I’ve done, or we’ve helped clients straighten out the messes caused by fraudulent activity.

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Your Parents’ Estate: Sorting, Sifting, Shedding Stuff

A Lifetime of Memories & Accumulation

Pink Flora Tea Set: Sorting your Parents' EstateAs a follow-up to my Estate Planning: Fairness & Entitlemania article, I wanted to touch upon what happens to our parent’s earthly belongings once they pass. This topic hits particularly close to home since I lost my father last year. The process of going through a loved one’s stuff is hard. Beyond the emotions of sorting through a lifetime’s worth of memories, there’s the reality of how to dispose of the “stuff.” Here’s what I learned in my journey.

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Marrying Over 50: Money Tips Before Getting Hitched

Love Is Ageless, Not Necessarily Priceless

On Top of the Wedding Cake: Money Tips to Marrying Over 50Over 2 million Americans get married every year. And many of those newlyweds have a few grey hairs ;). According to Pew Research, divorce rates have climbed for those 50+. It’s becoming so common with Baby Boomers, there’s a new term for it… “grey divorce.” Before you say “I do” or “I don’t,” let’s explore the myths and money tips for those of us who are more “seasoned.”

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Estate Planning: Fairness & “Entitlemania”

Estate Planning FairnessTalk to any daily money manager, financial advisor or CPA, and we all agree that having a current estate plan is a must, especially if you own real estate. But there’s an underbelly to estate planning that many don’t like to discuss. Family squabbles. Hurt feelings. Broken relationships. You can help your survivors and beneficiaries now by managing emotions and expectations before it’s too late.

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Back to School Spending

That Won’t Break Your Piggy Bank

Back to School BusesIt’s that time of year again. Summer vacations are winding down, and parents are busily preparing for the upcoming school year. Buying new clothes, school supplies, and extracurricular activity doo-dads can spike upon household spending in August and September. Here are a few strategies to stretch those dollars and diminish the budget pinch.

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Advice When Managing a Parent’s Finances

Paperwork: Sifting through mail as part of managing parent's financesIf you’re part of the sandwich generation — where you’re caring for children and aging parents — life can get pretty hectic. Especially if you’re managing your parent’s finances. Over the years we’ve seen what methods work best and what spells disaster.

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