Articles for Our Clients

Welcome to Pacific Advisors

This site is designed with you in mind and contains articles in five categories related to wealth.

Protection

The articles in the Protection section of our library are to help you anticipate these issues, evolving your financial strategies to keep up with your life. So you have the strong foundation you need to continue moving forward.

Assets

The articles in the Assets section of our library are to help you orient, think, and care for your assets to further your financial strategies. The assets you have, and the assets you accumulate are the opportunity for Lasting Situations of Wealth™.

Liabilities 

The articles in the Liabilities section of our library are to help you orient, think, and care for your liabilities that will ultimately affect your financial net-worth. Opportunities are created by some liabilities, obligations come with all liabilities, and threats can emerge with others. Learn how to recognize the differences to further your financial strategy.

Cash Flow

Each decision you make brings new goals and new financial challenges on your cash flow position. The articles in the Cash Flow section of our library are to help you anticipate these issues, evolving your financial strategies to keep up with your life. So you have the strong foundation you need to continue moving forward.

Philosophy

We provide this selection of articles to help you refine your own financial and lifestyle philosophy

December 3, 2014
In October 2014, Motorola Solutions, Inc. and Bristol-Myers Squibb Co. announced they had paid a large insurance company to take over their pension plan obligations. For 38,000 retirees, checks will no longer come from their old employer, but from the insurance company. For the companies, eliminating the need to fund pension benefits improves the corporate balance sheet, and removes the...
November 14, 2014
Picture flickering campfires, breathtaking sunsets, lazy days on the water or in the woods, gorgeous weather, wonderful family gatherings. According to Elizabeth Dunn and Michael Norton, authors of the book Happy Money, sone of the best things money can buy is experiences, and the long-lasting memories that result. So it’s no surprise that many Americans aspire to own a vacation home. To...
December 3, 2014
For most employees, self-employed individuals and small business owners, the fiscal year ends on December 31. And as the year comes to a close, a review might determine that transactions completed before year-end could provide financial and/or tax advantages. For example: A business owner might decide to incur anticipated expenses before the end of the year if the purchases can offset income,...
November 12, 2014
Most of the reporting on the burgeoning generational problem of unpaid and outstanding student loan debt attempts to convey the impact through numbers. For example, a March 2014 Gallup survey of 30,000 college graduates of all ages found that: Approximately 70 percent of all college graduates still have student loans to repay. The average balance is more than $33,000 (up from $18,600 10 years...
December 2, 2014
One of the biggest challenges in designing financial programs for individuals is their individuality. People have different skills, needs, interests, objectives and current circumstances; personalized financial planning is a micro issue. And every plan is unique. In contrast, governments and financial corporations operate on a macro scale. Their financial perspectives, issues and strategies are...
November 5, 2014
Reuben “Rube” Goldberg (1883–1970) was an American cartoonist, engineer, and inventor best known for humorous illustrations of complicated gadgets performing simple tasks in convoluted ways. Goldberg’s cartoons made people laugh because they could relate to the almost irresistible human impulse to tinker, and how the results are often no better, just more complex or difficult to operate. The...
December 1, 2014
When the discussion turns to retirement planning, two prominent factors, age and dollars, are typically front and center. Determining the age at which one would like to retire, and the amount of money that will be needed to make retirement feasible are reference points to determine projected annual rates of return, and the amounts that must be contributed in order make a plan work. In theory,...
October 15, 2014
Future generations may change, but right now one of the distinctions of American society is that most women will be alone, physically and financially, during the last phases of their lives. In personal finance, the last man standing will probably be a woman, which means women should be prepared to assume the role of chief financial officer for their households (if they haven’t already). The...
November 16, 2014
A common-sense saying known as Murphy's Law says “If anything can go wrong, it will.” If there was a Murphy’s Law for financial legislation, it would probably go something like this: The more complex the rules, the more they will have to be modified – and the modifications will be complex. The details of a new provision regarding Required Minimum Distributions from IRAs and other similarly...
October 13, 2014
Robert P. Murphy is an American economist, consultant and author. He has a PhD in Economics from NYU, is a fellow at the Mises Institute at Auburn University, has appeared on cable business channels, and been involved in national debates over government economic policy. When it comes to money and finance, Murphy qualifies as a pretty smart guy. And yet, until recently, he had no clue about whole...