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What is 7+4?

9 Special Money Rules on an Index Card 05.16.24

Back in 2013, during an interview with Helaine Olen, University of Chicago social scientist Harold Pollack said, “The best financial advice for most people would fit on an index card.” He then elaborated, stating, “If you’re paying someone for advice, you’re likely getting the wrong advice because the right advice is so straightforward.” After comments […]

Your Essential Newsletter for Trust Administration and More 04.10.24

Introducing Fiduciary Focus, Towerpoint Wealth’s new newsletter for the fiduciary community.  Welcome to the first edition of Towerpoint Wealth’s Fiduciary Group’s Newsletter – Fiduciary Focus. Our growing team is excited to share our brand new newsletter and insightful information with the fiduciary community. At Towerpoint Wealth, our Fiduciary Group brings together 27 years of collective experience […]

The Top 6 2024 Tax Season Questions, Answered! 02.23.2024

It’s that time – the 2024 tax season is upon us! As we embark on the 2024 tax season, many individuals and businesses are gearing up to tackle their financial obligations and maximize their tax benefits. With the ever-evolving landscape of tax laws and regulations, it’s essential to address the top 2024 tax season questions […]

Crisis Control – Israel, Gaza, and Investing During Times of War 10.20.2023

BAD NEWS. There is never a shortage of it. And unfortunately, a crisis control mindset is essential when it comes to managing your portfolio through periods of great uncertainty, like today. This is by no means easy, but we argue is essential to the longer-term health of your portfolio and financial well-being. Supporting this idea, […]

How the AI User Experience Can Enhance Your Daily Life! 10.06.2023

Picture this: It’s a brisk Monday morning, and as you groggily shuffle to the kitchen for your daily caffeine fix, a friendly voice chimes in from your countertop speaker, “Good morning! Your cappuccino is already brewing, and your schedule is all set. Don’t forget your jacket and umbrella, it’s 46 degrees out and rain is […]

A Wealth Management FESTIVAL? Future Proof 2023! 09.22.2023

While many of us were “stuck” in our offices tied to our computer screens last week, three of Towerpoint Wealth’s finest were in Surf City USA, soaking in not only the sun, but also the speakers, content, education, and networking of the world’s largest wealth management festival, Future Proof 2023. Akin to South By Southwest, […]

CDs are passé with T-bill rates today! 09.01.2023

When taking a closer look at T-bill rates today versus bank CD best rates, it becomes easier to see why owning a Treasury bill trumps owning a certificate of deposit, all else being equal. In support of this opinion, the Washington Post published a recent Alexis Leondis’ opinion piece about bank CDs that did not mince words: However, […]

The American Dream! Is a College Degree the Economic Key? 08.04.2023

Could it be that Benjamin Franklin was wrong when it comes to the American Dream? Is achieving the American Dream easier after earning a college degree? Or is a college education overvalued, and no longer worth the associated time, costs, and energy? The skepticism about the true value of earning a degree is real. Pundits and authorities […]

Money and Marriage – Getting Hitched Pays! 07.21.2023

“It’s not so much who wears the pants, but how much money is in the pockets.”  Money and marriage often dance together in a delicate waltz of financial decisions and shared goals. For better or worse, money plays a significant role in the dynamics of a marital relationship. From (sometimes) merging bank accounts and setting […]

What is Your ROI For Real Estate? 07.07.2023

ROI, or return on investment, measures the profit earned on an investment after all costs of the investment are deducted. ROI for real estate is simply a measurement of the return on an investment property. Your real estate ROI is a critical metric that every real estate investor should know and compute regularly, yet many fail to do […]

FIRE Investing for Financial Independence! 06.23.2023

In the realm of investing, where opportunities crackle and fortunes are forged, there exists an incandescent area known as FIRE investing. FIRE is an acronym for Financial Independence, Retire Early, and as the flames of financial independence burn brightly, FIRE investing embraces the goal of a self-sufficient life, early retirement (many FIRE investing adherents target a retirement in their late […]

Prognosticate at Your Own Peril! 06.09.2023

Predicting the future is an intriguing and complex endeavor that has captivated human imagination throughout history. And although the Simpsons have somehow consistently done it well, in real life it has also repeatedly been proven to be next to impossible to do. We strongly urge you to express humility about your ability, or anyone else’s, to accurately prognosticate. “Nothing is sure […]

The GREED and FEAR Index – Greed Could Be Good? 05.26.2023

Michael Douglas won critical acclaim and the 1988 Academy Award for Best Actor in a Leading Role for playing him in Oliver Stone’s Wall Street. And whether you love or despise the notorious Gordon Gekko, the ambitious, manipulative, charismatic, and cold-blooded character became an icon in popular culture, representing the archetype of the ruthless and GREEDY corporate villain.  […]

The Debt Ceiling in America – Why it MATTERS! 05.03.2023

What’s the deal with the debt ceiling in America, and is it important for investors? A dramatically accelerated timeline for lawmakers to negotiate was established on Monday, as Treasury Secretary Janet Yellen said that the debt ceiling in America could be reached as early as June 1 if President Biden and Congress do not come to an agreement to […]

9 Tax Benefits of Real Estate Investing 04.21.2023

Most of us recognize that taking a diversified approach to investing is a sound philosophy. There are a myriad of different ways for investors to build and grow their net worth, each with its unique set of risks, rewards, tax consequences, and considerations. Traditionally, in addition to building a portfolio of stocks, bonds, and mutual […]

A Bailout for Banks, Again? Well, Kind Of 3.24.2023

Following the deep wounds created by the still-fresh memory of the Global Financial Crisis (GFC) of 2007-2008, many are wondering if another bailout for banks is as regulators attempt to stave off a banking crisis that has spread across global markets. This is leading people to rightly wonder: Has this created a moral hazard? Moral hazard is when you knowingly take a […]

Investing Like The Best – Warren Buffett! 03.10.2023

Investing like the best is oftentimes simple, but not necessarily easy. It’s important to be prudent and disciplined, and one way to do this is to try to understand and embrace the mindset, outlook, wealth-building, and wealth-protecting philosophies of Warren Buffett. As the Chairman of the Board for Berkshire Hathaway (NYSE: BRK), Buffett pens his Chairman’s Letter every year, highlighting BRK’s annual shareholder […]

LIGHT THE BEAM: The Economic State of Downtown Sacramento 02.24.2023

If you’ve been to a Sacramento Kings home game this year at the Golden1 Center in downtown Sacramento during a game where the team emerges victorious, then you’ve certainly heard (and perhaps participated in) the new spirited and energetic crowd chant: “LIGHT THE BEAM! LIGHT THE BEAM!” Anointed as the “Beam Team” earlier this year, the Kings […]

Why Talking About Money is So Hard! 2.10.2023

Why is talking about money so hard? Be it with your spouse, partner, children, parents, friends, or colleagues, having conversations and talking about money can be stressful, and oftentimes loaded with emotion. We have been taught that money and finances are private, and that talking about money is impolite, even uncouth. Some facts from recent […]

6 Reasons Why Estate Planning is Important 01.27.2023

“I’ve got a will, I’m in good shape.” “I know why estate planning is important – I’ll get around to it soon.” Have you been putting off your estate planning? Why not make 2023 the year you get your estate in order? The thought of planning around your incapacity or death can oftentimes feel like […]

Fortunately, the Market’s Past Performance in 2022 is No Guarantee of Future Results! 01.11.2023

As our clocks struck midnight this past Saturday, advancing from 2022 into 2023, many investors were eager to turn the page on what was a grinding, unsettled, and very difficult year in the financial markets. The only good news that can be taken from the 2022 investor experience? Fortunately, past performance is no guarantee of future results! […]

2022 Financial Newsletters

Will Your Retirement Endure With the Passage of Secure (2.0)?
December 23, 2022

Sacramento Housing Have You Drowsing? Real Estate Prices Drop
December 2, 2022

Minimizing the Necessary Evils of Building Net Worth – Taxes and Investing Costs
November 18, 2022

2022 Midterm Election – Cause for Market Correction?
November 4, 2022

Holding Cash is No Longer Trash!
October 10, 2022

With Inflation and Rates Sky High, Should You Consider Bonds to Buy
September 23, 2022

Hold On… You Have No Alternative Investments In Your Portfolio?
September 9, 2022

Celebrating 5 Years of YOUR Trust and Confidence!
August 26, 2022

Inflation Reduction or Addition? What We Know about the $740 Billion Inflation Reduction Act
August 12, 2022

Managing Expectation – Why Bad News Can Be Good for the Stock Market!
July 29, 2022

The Twitter Musk Soap Opera – Should We Actually Care?
July 15, 2022

Are These Bonds to Invest In? Is 9.62% Really the Rate for I Bonds?
July 1, 2022

What’s the Point? How is it SMART to Be Investing During Inflation?
June 17, 2022

A Must-Ask! Do I Have a Fiduciary Financial Advisor?
June 03, 2022

The Stock Market: A Safe Place to Invest Money??”
May 20, 2022

Investment Advice from Warren Buffett – Never Bet Against America!
May 5, 2022

Will Homeowners Frown with Housing Prices Going Down?
April 22, 2022

Feeling Depression About a Possible Recession? Top 5 Ways to Recession-Proof Your Portfolio!
April 8, 2022

Don’t Hide from the Ides (of March)
March 18, 2022

The Russia/Ukraine Crisis – An Important Message
March 4, 2022

Crypto: Why It’s Here to Stay and Not Going Away!
February 17, 2022

Market Correction is Coming – What, Me Worry?
February 1, 2022

Time to Disavow the Dow Right Now? 
January 14, 2022

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