All tagged San Luis Obispo

6 Creative Paths to Retirement

6 Creative Paths to Retirement

Eric Maldonado, CFP®, MBA
Retirement Planning

What’s the best age to retire at?

How do you know when it’s the right time to retire?

We often spend a lot of time pondering those questions.

And we tend to confine our thinking to the financial side of things.1

How much do we need to retire and how far will our money go in retirement?

Answers to those questions are important.

But they aren’t the only things we need to consider if we want maximum fulfillment in retirement.

We also need to think about our psychological needs, especially when it comes to how we transition into retirement and how we spend our time as retirees.

Conventional thinking frames retirement as an all-in or all-out venture. But that is not always the best approach. And it doesn’t help you figure out how to spend your time in meaningful ways when you do retire.

Thinking outside the box and considering some creative alternatives to traditional retirement can help. That’s the focus of this month’s Aquila Wealth Visual Insights Newsletter.

Click here to see it!

Clarifying Why Money Matters to You

Clarifying Why Money Matters to You

Eric Maldonado, CFP®, MBA
Financial Planning

When creating a financial plan, it's essential to start with getting clear on your values. What does that mean? It means you are beginning with the foundation of what makes you "YOU." When it comes to money, we all have our way of dealing with it. It has been said, "Personal finance is more personal than it is finance." Everybody has a unique first memory of money. Everybody has a unique style when handling their money because of their upbringing and life experiences. Everyone thinks about money in their way, which then impacts how they deal with it. So, it's crucial to spend time thinking about what money means to you and why it's important to you. Your values will be the driver of your goals, which drives your action items within your financial plan.

…

How to end 2019 strong

How to end 2019 strong

Eric Maldonado, CFP®, MBA
Life Planning, Productivity

How do you want to end 2019?

The way you finish the year will affect how you go into 2020. Why?

Because your state of mind affects your behaviors and energy levels—and if you’re stressed or frustrated, you’re going to have a harder time achieving your goals.1

So, start 2020 right by closing 2019 strong using these tips.

There are a handful of things you can do to close out 2019 the right way, and it’s easier than you think. We share some tips for finishing the year strong (it’s not too late) in this edition of the Aquila Wealth Newsletter. Click here to see it!

How to give & get more from philanthropy

How to give & get more from philanthropy

Eric Maldonado, CFP®, MBA
Charitable Giving

Good news! We’re giving more to charity than ever before.[1] One reason is that giving feels good. It gives us a warm glow that can inspire us to keep giving.[2]

That’s probably why charitable contributions have increased by 5% over the past few years1—and experts expect this trend to continue.[3]

That’s promising, but it could be even better.

That’s because about 2 out of 3 people say they want to give more, but they aren’t. Why?

Because they don’t have a giving strategy—and they don’t know what the impact of their giving will be.[4]

In this month’s AquilaWealth Visual Insights Newsletter, we explore the concept of strategic giving and its essential role in maximizing the impact of philanthropy. Click here to see it!

FREE Flowchart on Investing During Market Volatility

FREE Flowchart on Investing During Market Volatility

Eric Maldonado, CFP®, MBA
Investing

Use this simple flowchart to help you determine what (if anything) you should do that may help protect your investment health. Download your FREE copy here now and discover:

  • How to assess your current investment situation whether you're 10 years away, 5 years away, or already in retirement

  • The 3 or 4 critical questions you need to ask yourself that will determine what you should do next (if anything)

  • Your level of confidence with your current investment strategy and what you can do about it

The 6 "Hidden" Tax Saving Opportunities Opened Up by New Tax Rules

The 6 "Hidden" Tax Saving Opportunities Opened Up by New Tax Rules

Eric Maldonado, CFP®, MBA
Tax Planning

Learn how the recent Tax Cuts and Jobs Act opened up new opportunities that could result in the lowest tax rates you'll ever see.

Click here to get access to our FREE tax saving guide.

  • Discover 6 immediate opportunities to lower your taxes

  • How new tax rules could permanently lower the taxes you pay

  • Why you need to take advantage of this limited time opportunity now before it expires

The laws are set to expire in 2025, but a new administration could change them sooner.

Bear Market Lifeboat Drills

Bear Market Lifeboat Drills

Eric Maldonado, CFP®, MBA
Investing,

Do you know why bear markets happen?

Or what you should do during them?

If you wait till it happens, like the titanic, it’s too late. It’s important to do the lifeboat drills before you need them.

Use this newsletter as your bear market lifeboat drills.

In this issue of the Aquila Wealth Newsletter, we’ll explore these questions and much more, giving you the facts about bear markets. Click here to check it out!

The Capital One Data Breach

The Capital One Data Breach

Eric Maldonado, CFP®, MBA
Cash Flow Planning, Risk Planning

Steps to protect your cards and keep “what’s in your wallet” to yourself

It seems that credit card fraud and major retailer breaches are just a part of our everyday life now.

Just recently, for example, the Capital One data breach put about 100 million customers in the U.S. and another 6 million customers in Canada at risk.

As these attacks continue and hit more often, the best thing you can do is to be informed on how to prevent and minimize the damage.

Did you know that 43% of companies had a data breach last year? Or that almost 50% of Americans have been victim to credit card fraud in the past 5 years? Or that almost 670 million card records were stolen in the past 10 years? For every American, that is 2.1 stolen credit cards.

Protect Your Cards

Take these steps to protect your cards:

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