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

July 28, 2015
Most Americans don’t scrutinize their personal finances like a business. Deciphering the mix of revenue, debt, taxes, overhead, investment and entertainment doesn’t seem worth the trouble. Instead, we often rely on rules of thumb, codified as “conventional wisdom,” to make our assessments and decisions. With conventional wisdom, financial questions can be quickly answered with a number, a...
July 28, 2015
Here’s an arbitrary, unofficial definition of an expert: A person who believes he is smart enough to tell others what they should do. And there’s a corollary: Non-experts resist being told what to do by experts. For the last decade, insurance experts have been in a lather. Because the non-experts aren’t paying attention. Here’s an April 4, 2015, commentary from personal finance writer Jonathan...
July 28, 2015
As interest rates stubbornly remain at historic lows, savers are looking for safe alternatives. An old strategy that’s regained traction with some pundits: making extra principal payments on your mortgage. The rationale: If your mortgage interest rate is 5%, every additional dollar paid to principal effectively “yields” a 5% return in reduced interest costs. When many savings accounts pay less...
July 28, 2015
Transportation costs are a major item in American household budgets; on average, only housing consumes a greater percentage. And for most Americans, those transportation costs include the operation of one or more automobiles. Because reliable transportation is an essential aspect of American life, and vehicles need to be replaced on a regular basis, automobile purchases have a significant impact...
July 28, 2015
Since at least the 1970s, there has been an on-going debate about the value of life insurance in retirement. The argument has focused on two issues: the need for life insurance in old age, and the financial performance of these policies. The arguments were as follows: If life insurance is intended to replace earnings, then once you retire (and have no earnings), where’s the need to continue...
July 28, 2015
When two very disparate news sources identify an emerging trend in the same week, there must be something to it, right? Well, according to the trade publication Employee Benefit News and the national newspaper Wall Street Journal, here’s the scoop: Human Resources experts have concluded that the inability of employees to manage their personal finances negatively impacts a company’s performance....
July 28, 2015
"Strategy is a route to achieving your objectives." -Simon Ramo Simon Ramo truly meets the definition of a polymath – a person of wide-ranging knowledge or learning. Wikipedia identifies Ramo as “an American physicist, engineer, business leader and author” who pioneered microwave technology, is known as the father of the intercontinental ballistic missile, and was the “R” of TRW, a Fortune 500...
May 13, 2015
The heady decades of robust stock market returns and booming real estate values (think the 1980s and 1990s) precipitated a shift in retirement plans, as 401(k)s and other qualified plans supplanted pensions as the primary source of retirement assets. At the time, this was considered a win-win for both employers and workers. Companies were freed from pension funding obligations while employees had...
July 28, 2015
When the notorious mid-20th century thief Willie Sutton was asked why he continued to rob banks after repeated prison sentences, he reportedly answered, “Because that’s where the money is.” Apparently, some modern-day Suttons have concluded the Internal Revenue Service is the new destination for taking other people’s money. Brazenly presenting themselves in phone calls as IRS officials, these...
May 13, 2015
One of the lingering after-effects of the recent recession is too much debt. As the economy began to slide, consumers couldn’t maintain their credit card payments, under-employed graduates sought forbearance for their education loans, homeowners defaulted on their mortgages, and companies failed to meet their pension obligations. The resulting bankruptcies, extended repayment schedules,...