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401K « Paul Ferraresi

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Financial Planning for Smart People. Obama Attacks 401(k)’s/IRA’s Again. 12 May, 2015. Obama in his latest budget again has presented a requirement that your 401(k)/IRA monies be invested only into Government T-Bills and Bonds. Remember his Executive Action pen has been very hot as of late with no reason to cool it down. Since Congress is now a Republican Controlled House and Senate, and his inability to compromise on anything, watch out. Contact us immediately at (713) 871-5919 and we will begin to enli...

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Liquidity « Paul Ferraresi

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Financial Planning for Smart People. PREPARING FOR JANUARY 1, 2013 TAX INCREASES. 18 Jan, 2012. In less than 11 months from now a new Congress will be elected. In addition, you may have the same or a new administration in the White House. What will the economy be like? What will be the mood of Americans? Monetary policy has been used up, and only fiscal policy tools remain. A major fiscal tool is tax policy. All tax rates basically go up around 5%. The 10% bracket is eliminated and will be at 15%. Capita...

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Retirement Planning « Paul Ferraresi

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Financial Planning for Smart People. Archive for Retirement Planning. 31 Aug, 2015. The volatile stock market’s action from July 2015 to present has given most people anxiety. It amazes me that since the year 2000 the average investor has not become whole (on an inflation adjusted basis). Wow! Even if you are 60 you need to protect your assets from a 15 year period of zero returns so they do not wither away as you approach 70-75. Why do people keep doing the same thing over and over? 12 May, 2015. Obama ...

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Investments « Paul Ferraresi

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Financial Planning for Smart People. 14 Sep, 2015. Over the past year everything seems to be dropping in value. About a year ago the major commodities started a free fall, and then followed by gold, oil started down from over $100/barrel, and, now of late we have seen the stock markets worldwide take a swoon. Those are the symptoms of the real cause, namely, the end to quantitative easing (QE). Either in bank accounts (at of 1 %), or into stocks or into real estate. Guess what? Once they cut off the booz...

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Emergency Funds « Paul Ferraresi

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Financial Planning for Smart People. Archive for Emergency Funds. IMPROVE YOUR FINANCIAL FUTURE. 8 Feb, 2012. Here are a few simple strategies to build your wealth:. SPEND LESS THAN YOU EARN. You can’t make your money grow if you spend it all. LIST YOUR FINANCIAL PRIORITIES. Put your retirement at the top of the list. ESTABLISH AN EMERGENCY FUND. Low-risk, accessible cash will lessen the temptation to dip into retirement savings in an emergency. DIVERSIFY. The best way to balance your risk is with a ...

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Testimonials « Paul Ferraresi

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Financial Planning for Smart People. 8220;My head is still buzzing with all the new knowledge that I can put to work because of your class”. Tami Burns, Manager, Home Depot. 8220;Your understanding of finance, ability to teach others, high standards and no nonsense style are most impressive.”. Jim Boyce, Convergys Corporation. 8220;It was by far the best seminar I have ever attended. Imagine wanting a ‘finance’ class to go on longer.”. Art Butler, Sales Manager, Black and Decker. 8220;You significantly c...

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Estate Planning « Paul Ferraresi

http://www.paulferraresi.com/category/financial-planning/estate-planning

Financial Planning for Smart People. Archive for Estate Planning. Do Powers of Attorney Work? 10 May, 2016. If you live long enough you will have some kind of disability. Planning for disability is harder than planning for death. We always have our clients develop a revocable trust funded well before disability. This system allows for a smoother transition and insures access to liquid assets for your needs when the disability sets in. Mortgage Due At Death. 15 Dec, 2015. From 1982 to 2012 interest rates ...

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Financial Planning « Paul Ferraresi

http://www.paulferraresi.com/category/financial-planning

Financial Planning for Smart People. Archive for Financial Planning. Do It Yourself Investing. 26 Jul, 2016. For those who like to do their own stock research and are true Value Investors (like Warren Buffett) here are a few sites that may be helpful. Another free site is ValueWalk.com. This site has a host of filters you can use. Here’s to your investment success! Tidy Up Your Financial Files Part 3 of 3. 12 Jul, 2016. Tidy Up Your Financial Files part 2 of 3. 5 Jul, 2016. Get rid of older versions and ...

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Educational Funding « Paul Ferraresi

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Financial Planning for Smart People. Archive for Educational Funding. 12 Apr, 2016. 27 Jan, 2016. 18 Aug, 2015. By springtime most college bound students have made their school selection and are finalizing their financial aid package. You may be sending one child off to school this fall but what about the younger ones still in the house? Is it never too early to start planning for the next college bound students (true most Americans procrastinate until the last minute). Even families who think they are t...