Special Needs Trust

The San Francisco Chronicle recently featured an excerpt of an article called “Onslaught of Autism: A Mom’s Crusade Could Help Unravel Scientific Mystery.” The full article by Jane Kay was published in the Environmental Health News and follows the fascinating journey of Jill Escher, a mother of two autistic children, as she tries to understand autism within her own family. (more…)

Common-Sense Cash-Flow Management Helps You Meet Your Financial Goals

Go With The Flow: Give Up Budgeting Forever And Embrace Cash-Flow Management

The traditional wisdom about smart money management is simple: You must create a budget and spend and save within its confines. It sounds so straightforward, right?

Yet budgeting remains a challenge for most people. Many of us, even those who pay their bills on time and have money in the bank, prefer to do it informally. If you’re one of them, please don’t berate yourself for a lack of discipline. (more…)

Get Out of the Waiting Room

The most difficult changes to navigate are the ones that we do not choose—the surprises that interrupt our lives and best laid plans.   The pandemic certainly fits into this “unwelcome” category.  It not only threatens our lives, it has fundamentally changed how we operate in our homes, work environments, schools, and places of worship.  It has also changed how we interact, recreate, and socialize. (more…)

Taking Stock of Lump-Sum Investing vs. Dollar-Cost Averaging

Some investors favor a dollar-cost averaging (DCA) approach to deploying their investment capital. Unlike lump-sum investing, in which the full amount of available capital is invested up front, DCA spreads out investment contributions using installments over time. The appeal of DCA is the perception that it helps investors “diversify” the cost of entry into the market, buying shares at prices that fall somewhere between the highs and lows of a fluctuating market. So what are the implications of DCA for investors aiming to generate long-term wealth? (more…)