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

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...
April 12, 2015
When you read the numbers, you can’t help but admire small business owners. A March 2014 FAQ issued by the Small Business Administration (sba.gov) finds that almost one-half of private-sector employment and economic output comes from firms with 500 employees or less. Further, small businesses create almost two-thirds of new private-sector jobs. Notwithstanding their robust contributions to the US...
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,...
April 10, 2015
Imagine that, after lengthy interview processes, two prospective employers offer you positions in their companies. Both companies are in the same industry, and your duties will be the same with either organization. The only real difference is the compensation package. Sitting at a local restaurant with your spouse, you summarize your options on a napkin: The terms of employment for Job A are...
May 13, 2015
Millions of Americans with disabilities and their families depend on Social Security, Medicaid and other government-sponsored programs for income, health care, food, and housing assistance. But eligibility for these benefits is means-based: if individuals report more than $2,000 in cash savings, retirement funds and other assets, eligibility is diminished or denied. This presents a financial...
April 10, 2015
The Internet Movie Database describes the 1994 movie Dumb and Dumber as “the cross-country adventures of two good-hearted but incredibly stupid friends.” If you’ve seen the movie, that summary doesn’t begin to describe the idiocy. Among the outlandish plot elements is Lloyd Christmas’ bumbling romantic pursuit of Mary Swanson. At one point, Lloyd, played by Jim Carrey, professes his love for Mary...
May 13, 2015
"Every conversation about money is also about values."-Ron Lieber, The Opposite of Spoiled The universe has an aggravating sense of irony: After working a lifetime to get it, you can’t take it with you. And whatever you leave behind will probably be wasted. According to the Boston College Center for Retirement Research, two-thirds of American baby boomers will inherit an estimated $7.6 trillion....
March 14, 2015
When the Greatest Generation of Americans retired, many migrated to the Sun Belt states for the mild winters and low taxes. Today, a small but growing number of Baby Boomers are also uprooting in retirement, but this migration is outside the United States. An August 20, 2014, CBSMoneywatch article reported that the Social Security Administration currently sends abroad more than 600,000 Social...
April 12, 2015
Enter the phrase “difference between saving and investing” in a search engine, and there will be no shortage of material. From blogs by personal finance hobbyists to formal statements (complete with disclaimers) by the Securities and Exchange Commission, a lot of parties have something to say about the topic. And most of it is essentially the same: Savings refers to money in low-risk (often...
March 14, 2015
There is a long-recognized connection between wealth and health. Wealthy people are healthier than the general population and healthy people are wealthier. These observations have been verified by multiple studies across every first-world demographic, whether in Europe, Asia or North America. But while there is a clear correlation between health and wealth, it is less certain if the two...