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Financial Challenge – Should You Choose To Accept It

Americans are lousy savers. We can blame it on low wages, a tough economy, or a multitude of other reasons, but the end result is the same… we aren’t saving enough for retirement. The average American family has $35,000 in retirement accounts, can’t afford a $1,000 emergency expense, and only 38% believe they will retire comfortably. So what…

A Nifty Little Trick to Increase Savings

A nifty little trick that can be part of your savings plan is simply this: once a debt is paid off, still treat that payment as a bill – but now direct that bill payment to your bank account, IRA, or employer sponsored plan. Here’s how it works: Let’s say you have a car payment…

Gifts That Matter

Forget this year’s must-have gadgets and give your loved ones presents that will endure. As the holidays approach we all begin to think about what gifts to give our spouse, parents, and children.  What do they really want? “Just get Granddad another sweater!” said my ten-year-old daughter.  At that moment it occurred to me that the annual…

Should You Take Early Social Security?

When and how to take Social Security benefits is not an easy decision to make.  There are so many factors to take into consideration. If you’re already 62 and out of work, or worried about being laid off, it may be tempting – or even necessary – to take early Social Security. In any case,…

Why Financial Planning is Important

Learn about infographics software. Raskob Kambourian Financial Advisors is an independent, fee-only comprehensive financial advisory firm registered with the Securities and Exchange Commission.  We offer expertise, competitive pricing, and personalized financial services to meet your “Life Planning” needs.  

Financial Planning – Creating a Decision-Free Zone

For somebody that has come into a windfall, creating a decision-free zone provides a convenient answer to the life insurance salesperson who is calling persistently, are to be brother-in-law who needs a loan to start his new golf coaching business. The client and the advisor narrow their attention down to a much smaller list of…