Author: Risley Sams

Wildfires: Small Business – Big Hearts

Wildfires: Small Business – Big Hearts

As I woke again this morning to the smoky haze covering San Francisco, I am reminded of my many friends in Napa and Santa Rosa affected by the current spate of wildfires that popped up suddenly Sunday night. My best wishes for their safety and security go out to all those affected. It is truly […]

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Three Behavioral Hacks for Business Owners to Take Back Their Lives and Eliminate Retirement Worries

Three Behavioral Hacks for Business Owners to Take Back Their Lives and Eliminate Retirement Worries

Business Owners, Take Back Your Life and Eliminate Worry Over Whether You Will Have Enough to Retire on.   How familiar does this scenario sound? You started your business because you had a vision of helping others while helping yourself succeed financially in the process. Along the way however, you got lost in the business […]

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Credit Double Threat on the Horizon

Credit Double Threat on the Horizon

Recently, the WSJ reported on two positive credit trends in the US Economy. Individually, these trends are very positive for a growing economy, however, in combination, they could potentially be the foundation for another credit bubble way down the road. Credit scores for US consumers hit record levels last month with the average score nationwide […]

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Estate Planning: Don’t Die Trying

Estate Planning: Don’t Die Trying

Estate planning isn’t difficult but it is time consuming if you want to do it right. According to a new study by Caring.com, only 40% of Americans currently have an estate plan of any sort at all. What that means is that nearly 60% of adults in the US have left no guidance whatsoever if […]

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Starting the Conversation about Wealth Transfer with your Family

Starting the Conversation about Wealth Transfer with your Family

Talking about money with family members is not easy. In this short post, I will try and lay out a few pointers that make a difficult situation a little easier and at least get the conversation started. It is best to start at a high level and developing a layered strategy. My hope is that […]

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Charitable Moves You can Make with Your IRA

Charitable Moves You can Make with Your IRA

The IRA has long been viewed by the investment community as one of the best vehicles for saving for your own retirement, hence the name, Individual Retirement Account (IRA). What most people don’t know is that you can make charitable donations directly from your IRA and that it may reduce your overall tax burden. It’s […]

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Feigning Independence as Birds of a Different Feather

Feigning Independence as Birds of a Different Feather

It’s the beginning of November and we can all be thankful that the election season will soon be over. While there is no shortage of turkeys on Capitol Hill this year (nor any year for that matter) one lucky turkey will traditionally be spared by the president. Regrettably, however, we as citizens won’t be spared the […]

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Seasons Change and Change is Exciting. What has happened in 2016

Seasons Change and Change is Exciting. What has happened in 2016

As we move into Fall, I wanted to take a little time to reflect on what has happened in 2016. It is truly hard to believe that it is almost October already and Fall is right around the corner. It has been a dynamic year so far in so many ways for the markets, our […]

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Two Wealth Building Tips from William Shakespeare That are Still True Today

Two Wealth Building Tips from William Shakespeare That are Still True Today

College is now out for summer and I see more interns walking around the financial district than usual at lunchtime. Seeing more of these young folks around made me think back to what I learned in college that I am still using today. Many of my long since forgotten classes no longer resonate with my […]

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Should You Take Out a Mortgage to Deduct the Interest?

Should You Take Out a Mortgage to Deduct the Interest?

The old saying that there are only two sureties in life, death and taxes probably never bought a house in the Bay Area. If they had, they would know that paying too much in interest over time should be added to the list. In this post, I will discuss both interest costs and tax deductions. […]

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