Back in 2011, I wrote a piece on how human brains start to lose analytical skills as we age and how an independent advisor can help protect seniors from financial frauds.[1] A short time has passed, I have gotten a few more wrinkles and furrows, and it is a good time to review this subject […]
The Ultimate Guide to Donor Advised Funds
America is easily the most philanthropic country in the world, led by the largest charitable foundation —the Bill and Melinda Gates Foundation which has over $42 billion of assets.[1] The aggregate assets of the top 100 grant-making foundations amount to a whopping $290 billion:[2] that is the GDP of Hong Kong![3] Aside from these enormous […]
Seven Sound Financial Tips for Young Families
April is the Financial Literacy Month1 so it only makes sense for me to offer some personal finance advice. Also as a parent to two very young and beautiful children, and a Certified Financial Planner™ practitioner, I am passionate about being financially independent, responsible and literate. Ask yourself this simple question: which do you prefer, […]
Social Security Benefits: How to Maximize Them and How to Plan with Them
Ever since the Social Security Act was signed into law in August of 1935, the federal insurance program has grown leaps and bounds in terms of the number of beneficiaries and coverage. According to data from the Social Security Administration, a little over 53,000 people received a total of $1.3 million dollars of benefits in […]
The Umbrella Revolution
What Can Hong Kong Show China? A Road to True Democracy and Economic Power This quarter, instead of writing about financial planning, I decided to share something very dear to my heart. I am torn and heartbroken, for my hometown’s fate is now at a crossroads. Many feelings—anger, fear, heartache, sorrow, anxiety, and hope—have struck […]
Estate Planning 311: Using Roth IRA With Life Insurance
In my last quarterly letter[1] I discussed life insurance products—term, whole and universal—and their characteristics. This time, I will take a deeper dive into a strategy that benefits younger people when it comes to insuring their lives. First of all, let us refresh our memory on the cost of various life insurance products (Table 1). […]
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