Financial Matters

Tips and news from the financial experts at Attentive Investment Managers.
Aug
23

Relationships and Money, Part I: Unmarried Couples

Finances for unmarried couples

New couples are busy enjoying learning about each other and sharing parts of their lives with one another. Very often an important aspect of sharing a life that gets ignored is discussing your values surrounding financial matters. Things such as financial goals to credit card debt can bring a host of challenges to the relationship. Having open conversations about navigating each partner’s financial situation as well as their feelings on various financial matters is key to helping you build a strong financial foundation in your relationship.

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Jun
20

Understanding Medicare

medicare-sign

Retirement is just over the horizon and while most people have making ends meet during that period on their minds there is another extremely important part of aging that should be explored. Medicare! There is a 7-month initial enrollment period that begins 3 months before you turn 65, the month you turn 65 and 3 months after you turn 65. If you do not sign up during that window of time you will be penalized for late enrollment, which comes in the form of higher premiums (typically a 10% increase premiums).

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Sep
11

How to Respond to a Data Breach

data-breach

You may have read that hackers broke into the Equifax database and stole personal information tied to 143 million people. The hackers accessed people's names, Social Security numbers, birth dates, addresses and, in some instances, driver's license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. There is no reason to think that data is not for sale to criminals who can use it to open new lines of credit or file phony tax refund requests in peoples' names.

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Dec
14

Mike's "Rule of Thumb"

Mike's "Rule of Thumb"
Creating an appropriate allocation in a portfolio can be difficult. Aside from utilizing a risk tolerance profile there are some other methods for determining an appropriate mix of stocks and bonds for investors. One we utilize is Mike's take on the standard "Rule of Thumb" – which uses a factor of 100 minus the client's age to determine the percentage that should be invested in equities (stocks). Mike's "Rule of Thumb" takes into consideration the fact that everyone now, for the most part, is simply living longer. With our longer lives, not only will we need to provide income for a longer period of time we will also have potentially more time to grow that money. With this in mind, Mike uses a factor of 120 minus the client's age to derive the equity allocation. This guideline creates an allocation that is slightly more aggressive to facilitate faster growth accommodating the need for the longer income needs.As an example, with a 48 year old individual&nbs...
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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