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

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...
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...
February 1, 2015
It’s an ongoing challenge for American households to delay gratification and save for the future. And it’s even harder when it seems like macro-economic conditions are stacked against them. Right now, saving might be good for you, but no one is making it easy. Among the principal obstacles: inflation and interest rates. Two Kinds of Inflation Economists have a variety of ways to explain inflation...
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...
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...
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...
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,...
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...
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...