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Protecting your Schwab account – beyond the password.
Protecting your financial information online begins with a good password but it doesn’t have to end there. By now, I am sure that you...
Steve Coker, CFP
Aug 19, 20192 min read
Do you need life insurance in retirement?
Many people are surprised to learn that they may not need life insurance in retirement. Life insurance is sold as something that...
Steve Coker, CFP
Aug 12, 20192 min read
Keeping Track of Your Spending
If you want to have confidence in your finances, tracking your spending is an important first step. Regardless of your income, out of...
Steve Coker, CFP
Jul 29, 20193 min read
Time to check your Social Security
If you are wondering why you haven’t received a Social Security statement in a while, it is because Social Security no longer sends...
Steve Coker, CFP
Jul 22, 20191 min read
Giving Back
On July 13th Cedarstone Advisors will hold its 5th Annual Give Back Day at Children’s Hunger Fund in Sylmar. This is one of my favorite...
Steve Coker, CFP
Jun 14, 20192 min read
Why Bonds?
Surprise! Interest rates are falling. The 10-Year Treasury rate has fallen from 2.6% at the beginning of the year to a 2.18% as of the...
Steve Coker, CFP
Jun 3, 20193 min read
Finding Contentment
I have written in the past about contentment and after several conversations with clients this week, I feel the need to once again share...
Steve Coker, CFP
May 16, 20194 min read
Reducing your taxes in retirement: How to keep more of what you have saved
Many things change dramatically when you retire, not the least of which is your tax situation. Retirees face a unique set of...
Steve Coker, CFP
Apr 26, 20193 min read
Staying Diversified
Diversification hasn’t mattered much over the past few years. U.S. stocks have consistently outpaced non-U.S. markets. Even within the...
Steve Coker, CFP
Apr 19, 20192 min read
Social Security Number Compromised? Here's What to Do
Unfortunately, we receive several calls each year from clients who have had social security numbers or identities stolen. Most often the...
Steve Coker, CFP
Apr 8, 20193 min read
Creating a Living Legacy
Many of my clients have a goal of leaving money to their children, usually a dollar amount that they would like to have ‘left over’ after...
Steve Coker, CFP
Mar 4, 20193 min read
Retiring Out of California
California is a wonderful and expensive place to live. It has incredible beauty, amazing weather, and some of the highest tax rates in...
Steve Coker, CFP
Feb 25, 20193 min read
Give Stock, Save Taxes, Give More
If you are feeling the bite at tax time, here is a great planning idea to help reduce your taxes for 2019: give appreciated stock...
Steve Coker, CFP
Feb 19, 20192 min read
Moving in Retirement? How to Keep Your California Property Tax Basis
There are a few excellent tax breaks for retirees in high tax California and Propositions 60 and 90 are two of the best. These laws...
Steve Coker, CFP
Nov 5, 20182 min read
Do You Need Life Insurance in Retirement?
Many people are surprised to hear that they may not need life insurance in retirement. Life insurance is something that most have...
Steve Coker, CFP
Oct 22, 20182 min read
Retiring Out of California
California is a wonderful and expensive place to live. It has incredible beauty, amazing weather, and some of the highest tax rates in...
Steve Coker, CFP
Oct 1, 20183 min read
Using Schwab Two-Factor Authentication
For the past several weeks we have focused on Cybersecurity and how to best protect your identity and accounts. In this article, we will...
Steve Coker, CFP
Sep 3, 20182 min read
Healthcare in Retirement - Developing a Health Insurance Strategy
Several weeks ago we wrote an article outlining the basics of healthcare costs. This week we continue our conversation with strategies...
Steve Coker, CFP
Aug 27, 20182 min read
Save More… Tomorrow
We as Americans have a problem – we don’t save enough. In fact, a recent study by Bankrate.com reported that 18 percent of the U.S. was...
Steve Coker, CFP
Aug 13, 20182 min read
Making the Most of Your Roth 401(k)
When it comes to saving for retirement, your 401k plan is a great place to start. 401k plans offer higher contribution limits ($18,500...
Steve Coker, CFP
Aug 6, 20183 min read
