Financial Matters

Tips and news from the financial experts at Attentive Investment Managers.
Apr
08

Financial Literacy #8: Should You Use a Financial Planner?

Working with a financial planner

As you’ve learned throughout this master class, financial planning is as much about money as it is about articulating and prioritizing your goals. Your goals can be short-term or long-term, but understanding their role in the overall financial process is critical so that you don’t mismanage your assets along the way.

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Apr
08

Financial Literacy #7: Your Retirement Income Plan

Retired couple on the beach

As you approach retirement, you’ll want to think through your retirement income plan. Common retirement income strategies include:

Drawing off the income

After you’ve spent years saving for retirement and building your nest egg, you’ll want to find a balance between a withdrawal rate that gives you assurance that your savings will last, but doesn’t shortchange your standard of living.

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Apr
08

Financial Literacy #6: Estate Planning

Estate planning meeting

What will happen to all your hard work after you pass away? Estate Planning is the process of making a plan ahead of time to decide who will benefit from all you accumulated during your life, and is one of the most important steps you can take to make sure your final wishes are honored.

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Apr
08

Financial Literacy #5: Non-Retirement Investment Strategies

Older couple outdoors

Have you invested for retirement? Do you have extra cash flow? After you’ve built up a solid retirement base, here are some other strategies to consider:

Individual or joint accounts

General investment accounts provide you with flexibility. Individual or joint accounts can help you save for your short, medium, or long-term goals and allow you to invest without the restraints of tax-deferred accounts. Withdrawals are penalty-free in the near-term, though you will pay taxes on dividends and capital gains.

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Apr
08

Financial Literacy #4: How to Build Your Nest Egg

Jar of savings

During your income-earning years, maximize your retirement plan contributions to build your nest egg and retirement savings:

401(k)

A 401(k) plan is a retirement savings plan sponsored by your employer, which allows you to save and invest part of your paycheck before taxes are taken out. Many employers offer an employer match, usually ranging dollar for dollar anywhere from 2-5% of your salary deferral (depending on the plan). If you elect not to participate, you essentially leave money on the table.

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Apr
08

Financial Literacy #3: Becoming Debt Free

Debt-free man with lots of cash

Your biggest wealth building tool is your income. If your debt payments leave you with nothing left over at the end of the month, it’s time to get serious about paying off your debt.

Start with a financial inventory of your current assets (savings and retirement accounts, business accounts, home equity) and liabilities (credit cards, student loans, mortgage payments, car payments).

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Apr
08

Financial Literacy #2: Insurance Planning is Financial Planning

Insurance block pyramid

Insurance is a critical element of your financial plan and the foundation of your pyramid. Different kinds of insurance (including home, health, and car insurance) protect you and your family against the cost of accidents, illness or medical needs, and other unexpected loss.

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Apr
08

Financial Literacy #1: Planning for Your Financial Future

Family in the sunlight

Financial planning is more than just investing. Holistic financial planning is the process of pursuing your life goals (planning for retirement, buying a home, saving for your child’s education, leaving a legacy for your family) through smart management of your resources. A solid financial plan includes goals, net worth, cash flow, retirement strategies, long-term investments, and estate planning.

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With the easing restrictions of the California Shelter in Place order, we have resumed our normal business hours in the office. As before, we are taking steps to ensure the safety of our staff and clients:

  • Surfaces will be sanitized regularly
  • We have several bottles of hand sanitizer as well as anti-bacterial soap and a sink in the office along with disposable masks should you like one.
  • When possible, we will continue to maintain social distancing and when not possible all the staff has masks.
  • Masks are not required for you to enter our office.
  • We are more than happy to meet with you in office but still maintain the capability for web meetings or telecoms. And as always can be flexible if you require special meeting time accommodations.

Our office hours are:
M-Th 8 a.m. – 4 p.m.
Friday 8 a.m. – 1 p.m.

As always we are available by phone at 209-636-4931 or on email at or