Financial Resources & News

A Changing Landscape: California Home Insurance

As wildfires in California become more frequent and intense, considering the need for wildfire insurance has never been more important. For homeowners and residents in high-risk areas, understanding how this insurance works is crucial to safeguarding your real estate investment and for peace of mind. The Basics Most standard homeowner's insurance policies include coverage for fire damage,...

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Sunshine Tax: California’s Proposed Long-Term Care Payroll Tax

By: Henry VanBuskirk, CFP®, Wealth Manager As a lifelong California citizen, I’ve had the opportunity to enjoy our state’s beaches, mountain trails, and diverse cuisine. However, all of these niceties come at a price that we Californians refer to tongue in cheek as the “Sunshine Tax”. The “Sunshine Tax” of course isn’t an actual tax, but our collective understanding as Californians that our...

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Primer on Life Insurance

By:  Henry VanBuskirk, CFP®, Wealth Manager One of the most crucial financial planning topics that almost nobody likes to talk about is life insurance. In our line of work, it’s akin to discussing politics or religion. Don’t worry, I’m not going to discuss politics or religion here. There are enough outlets online that proselytize on those topics already and you are free to find your preachers...

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Asset Protection through Umbrella Insurance and LLCs

If you are in the minority of Americans who are contemplating purchasing another home as a rental property or already own a rental property, you are probably doing fairly well in life to be in that position. Without running the numbers on your financial situation, the main question that we hope that you have the answer to is, “What happens to me financially if someone sues me?”. If your answer...

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Getting Assets Out of the Estate (Estate Planning Series Part II)

By:  Henry VanBuskirk, CFP®, Wealth Manager (This is part 2 of a four-part estate planning series) In our previous installment in this series, we discussed what Estate and Gift Taxes are and why they exist.  In this installment, we will discuss strategies that can help reduce your overall income tax burden from the estate tax.  The most logical way to lower your taxable estate is to get...

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Golden Years: A Primer on Long-Term Care Insurance

By:  Henry VanBuskirk, CFP®, Wealth Manager A goal that many Americans have when approaching retirement is finding that “forever home” to enjoy their golden years in. When a loved one does pass away, they typically want to pass away in their own home. One of the main expenses that occurs during retirement is healthcare and this is typically an expense that increases with age.  A big culprit of...

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Don’t be Sold Insurance

By:  Paul Horn, CFP®, CPWA®, Senior Financial Planner At one point in my professional career, I sold insurance policies. I always joked that though I was raised a gentleman, I had to ask women the two things you are never supposed to ask, “How old are you?” and “What is your weight?” Luckily, we do not sell insurance at BFSG, which has saved me from having more of these awkward...

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