The Navigoe Blog

Charitable Giving From Your IRA

If you are over 70, making charitable gifts directly from you IRA may be your best tax move going forward. The Tax Cuts and Jobs Act, passed in December 2017, made three major changes that may significantly affect charitable giving, especially for those over 70. First, it increased the standard deduction to $24,000 for married…

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To Bit or Not to Bit: What Should Investors Make of Bitcoin Mania?

Bitcoin and other cryptocurrencies are receiving intense media coverage, prompting many investors to wonder whether these new types of electronic money deserve a place in their portfolios. Cryptocurrencies such as bitcoin emerged only in the past decade. Unlike traditional money, no paper notes or metal coins are involved. No central bank issues the currency, and…

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Social Security announces 2% inflation increase: what does it mean and how does it work?

Social Security has long been considered one leg of the “three-legged stool” of retirement planning. The other two being employer pensions and personal savings. However, employer pensions are quickly vanishing, and personal savings rates generally remain far too low to make up the difference. Of course, this amplifies the importance of Social Security as part…

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Choosing a Financial Advisor: What Questions Should You Ask?

Choosing a financial advisor can be a confusing and overwhelming, perhaps even intimidating process. The right advisor will serve as a partner to you and your family in keeping you on course to achieve your financial goals. The wrong one, on the other hand, could prove costly in time, money and robbing you of financial…

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Investopedia names Navigoe Partner, Eric Toya, among top 100 influential financial advisors

Navigoe Partner and Director of Wealth Management, Eric Toya, was recently named on the INVESTOPEDIA 100 list of most influential financial advisors. Investopedia, a leading online source of financial information and services, announced the inaugural INVESTOPEDIA 100, a ranking of influential advisors based on the presence and impact of advisors across social media platforms and…

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Why the Dow Can’t Tell You How to Manage Your Portfolio

Whenever people refer to the “market,” I’m reminded of the line from “The Princess Bride”: “You keep using that word. I do not think it means what you think it means.” It’s not just a question of semantics. An overly narrow view of what constitutes the market could lead to less than optimal investing and…

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Eric Toya and Don Hance, Jr. to Volunteer for Los Angeles Financial Planning Day

Tomorrow, October 29, 2016, the sixth annual Los Angeles Financial Planning Day will be held at the Downtown Los Angeles Public Library. Financial Planning Days are among the largest nationwide financial education and pro-bono events in the country. The aim is to provide free, no strings attached financial counsel and education to thousands of individuals…

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Trump vs. Clinton: What the Election Means to Investors

If you’re like most people, you can’t wait for this presidential election to be over. Maybe then your Facebook feed will finally go back to photos of kids, puppies and food. Until then, you get mudslinging. Every election year, we’re worn out by the bickering campaigns, the endless commercials and mailers and that crazy uncle…

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Celebrate Your Financial Independence

July is the month that we gather with family and friends over barbecue and fireworks to celebrate our nation’s independence. This month, take a moment to consider your own financial independence. What is financial independence? Financial independence is a concept that means something different to everyone. To some, it is being able to buy a…

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