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
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December 13, 2011
Kris
Jackson
When it comes to money, the financial climate in which you grew up can have a life-long impact on your financial perceptions and behavior. The influence appears to be particularly strong if the financial events are extreme, such as those occurring in a boom or bust period and especially impactful for people who are between the ages of 18 and 25 when the major event occurs. A research paper...
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October 7, 2011
When Congress first began writing legislation for tax-favored retirement plans in the 1970s, some of the provisions were likely based more on projections (guesses) than historical precedent or experience. This seems particularly true of the required minimum distribution (RMD) regulations which mandate that a certain percentage of retirement account accumulations must be withdrawn after the...
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November 11, 2011
By some measures, the past four years have been the worst economically since the Great Depression of the 1930s. But while today’s financial difficulties are real, there are some positives. For example…
According to statistics from Freddie Mac, the average interest rate on a 30-year fixed rate mortgage was 18.45% in October 1981 (i.e., 30 years ago). The average interest rate on a 30-year fixed...
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October 7, 2011
“The problem is that no matter what you think of insurance, past problems, future difficulties, etc., risk management still is a mandatory element of financial planning.”- Errold Moody
An ongoing philosophical debate in the financial services community is how financial professionals should be compensated, either by commissions or advisory fees. Both sides of the discussion raise some interesting...
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November 11, 2011
With the economic turmoil of the past few years still roiling their personal finances, many American households have made a focused effort to “deleverage,” that is, to pay down their debt balances. And while the average American consumer may have given lip service to reducing their indebtedness in the past, this time it appears they are serious about it. The Federal Reserve reported that...
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October 7, 2011
A typical method of monetizing real estate assets is taking a loan against the equity. But most monetizing strategies that involve conventional borrowing come with the obligation of regular scheduled repayments. A reverse mortgage is a unique monetization-by-borrowing agreement that offers flexible and deferred repayment options. Along with several other unique advantages, a reverse mortgage can...
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November 11, 2011
“What’s my number? – That is, how much do I need to retire?”
These are pressing questions for individuals whose major financial objective is saving for retirement. And no matter how complex and sophisticated the process used to answer these questions, every retirement projection has at its core a calculation of Present Value. Interestingly, most of the time, the critical factor in the generation...
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October 7, 2011
As a parent, spouse, employee, you have a unique human life value to others. While much of the value you bring into these relationships may not be financial, or even financially quantifiable, a life insurance policy allows you to monetize your human life value when you are no longer there in person. When you obtain life insurance, you have monetized yourself.
The group, Financial & Tax Fraud...
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November 11, 2011
Recently, the paradigm for a lot of financial discussions has been making distinctions between the 1 percent of Americans who earn the highest annual incomes and the other 99%. In some conversations, the 1 percent has been characterized as the “millionaires and billionaires,” with examples of huge salaries and additional compensation that are almost beyond comprehension, particularly when...
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October 7, 2011
In the Internet age, it’s easy for everyone to have a voice, but only a few people have figured out how to get paid for speaking. Those brilliant postings on politics, incisive critiques of entertainment, passionate rants about your favorite sports teams, or hilarious links to stupid human tricks may be great outlets for your creativity, but how much time can you devote to these activities...
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