Articles in the Media

san diego business journal Means Testing, Serious Social Security Business

Workers younger than 66 lose up to $100,000 in Social Security lifetime benefits on April 29. Why?  Because the “File and Suspend,” Social Security claiming strategy, which allowed a retiree to take benefits off of a spouse’s record while deferring his or her own record, has been eliminated. I believe this decision was based on […] Are Your Clients Too Affluent for Social Security?

Means testing to attain Social Security benefits may be on the docket for the future. Those of us who counsel clients on Social Security understand firsthand the long-term effect of Congress’ recent elimination of the File and Suspend and Restricted Application claim strategies. That change means fewer claim strategies for retirees seeking to maximize Social […]

los angeles business journal Hedge Fund Looks to Capitalize on Peer-to-Peer

Peer-to-peer lending isn’t as “alternative” as it used to be, and that’s been a boon to funds such as Direct Lending Investments, which specializes in buying high-interest, short-term small-business loans. The downtown L.A. hedge fund last week made a three-year, $250 million commitment to provide capital for loans made through lending site Biz2Credit. The deal […]

SuccessOnomics Financial Advisor David Reyes II Hits Amazon Best-Seller List With New Book, “SuccessOnomics”

David Reyes II recently hit two best-seller lists with the new business book, “SuccessOnomics.” San Diego, CA – October 13, 2014 – David Reyes II is the Founder and Chief Financial Architect of Reyes Financial Architecture, Inc., a Registered Investment Advisory Firm. David recently joined a select group of the world’s leading experts, to […] Private Credit Markets Offer Investors Double-Digit Returns

One direct lending fund returned 12.7% last year; seen as alternative to measly returns on bonds. As traditional bond funds scramble to navigate around the threat of rising interest rates, a growing number of investors and financial advisers are tapping into private credit markets, thanks to an expanding network of entry points. “It’s a great […] Winning by Not Losing: Year-End Tax Management for the High-Net-Worth Client

“Rule number one: never lose money. Rule number two: never forget rule number one.” Warren Buffett may or may not have had taxes in mind when he uttered this quotable phrase, but proactive tax planning is one of the most important things a financial advisor can do to help clients follow Mr. Buffett’s number-one rule. […] Ken Fisher’s RIA Warning Draws Advisor Ire

Evensky, Carson and others offer strong reactions to the legendary investor’s prediction about demise of RIAs ThinkAdvisor’s Nov. 21 interview with Ken Fisher in which the renowned money manager forecast the demise of the RIA world in 10 years ignited a fire under advisors. Fisher predicted that, if the fiduciary features of Dodd-Frank are implemented, […]

Alaska Airlines October 2013 Social Security 101, by M. Sharon Baker

Angela Deppe was surprised when her mother filed for Social Security benefits at the age of 62. While filing for benefits as soon as one is eligible is a very common practice, Deppe, a CPA, and her husband, a financial consultant, knew it was a major mistake. “She asked our opinion, and we told her […]