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Monday, August 3, 2020

With the Holidays are quickly approaching the traditional gatherings with loved ones will look much different because of COVID-19 this year. A few of us at Guidant Planning travel outside of the South Pasadena area during the Holiday...

Tuesday, June 23, 2020

IRS released IRS Notice 2020-51 which extended the deadline to August 31, 2020 to return any unwanted 2020 RMDs. Unprecedented Relief! ALL unwanted RMDs taken in 2020 can now be returned – rolled over – back to an IRA or...

Monday, June 1, 2020

The Markets (as of market close May 29, 2020) May saw several states and foreign countries ease restrictions put in place in response to the COVID-19 pandemic. As economies slowly picked up momentum, investors grew more confident in...

Friday, May 1, 2020

The Markets (as of market close April 30, 2020) April began on a sour note for stocks as each of the indexes listed here lost value. Economic reports reflected the negative impact of the COVID-19 pandemic. There were more than 700,000...

Monday, April 20, 2020

Social Security is much more than a retirement program. Most Americans are protected by the Old-Age, Survivors, and Disability Insurance (OASDI) program — the official name of Social Security — from birth through old age....

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Monday, April 13, 2020

Now that tax season is over, you may want to file your most recent records and discard older records to make room for the new ones. According to the IRS, personal tax records should be kept for three years after filing your return or...

Monday, April 6, 2020

In stark contrast to a strong 2019 in which the S&P 500 surged over 31%, the U.S. benchmark equity index plunged over 23% from its February 19 record high to cap its worst quarterly performance since the financial crisis. The historic...

Tuesday, March 31, 2020

The Senate has unanimously passed the massive “Coronavirus Aid, Relief, and Economic Security Act,” or the “CARES Act,” and it is expected to be passed by the House and signed by the President on Friday. The...

Tuesday, March 31, 2020

In our continued effort to share up-to-date information with our clients. We’d like you to know that Guidant Planning, Inc. falls under the essential business umbrella of ‘banks and related financial institutions.’...

Monday, March 30, 2020

Whether it's a helpful announcement from your child's school or an appointment reminder from a doctor's office, getting robocalls has become an everyday occurrence. Unfortunately, robocalls are also used by criminals to collect...

Monday, March 23, 2020

Imagine that you receive an email with an urgent message asking you to verify your banking information by clicking on a link. Or perhaps you get an enticing text message claiming that you've won a free vacation to the destination of...

Friday, February 28, 2020

Nassim Taleb, in his 2001 book ‘Fooled by Randomness’, described ‘Black Swan Events’ as high-profile, hard-to-predict and rare events that are beyond the realm of normal expectations in history, science, finance...

Monday, February 17, 2020

What if you're saving as much as you can, but still feel that your retirement savings goal is out of reach? As with many of life's toughest challenges, it may help to focus less on the big picture and more on the details. Regularly...

Monday, February 3, 2020

The SECURE Act (Setting Every Community Up for Retirement Enhancement Act) is major legislation that was passed by Congress as part of a larger spending bill and signed into law by the president in December. Here are a few provisions...

Friday, December 27, 2019

The year began with the government stymied by a shutdown, and ended with articles of impeachment levied against the president. In between, both domestic and global economies showed signs of slowing, all while the trade war between the...

Monday, December 16, 2019

The Tax Cuts and Jobs Act roughly doubled the standard deduction ($12,200 for single filers and $24,400 for married taxpayers filing jointly in 2019) and indexed it for inflation through 2025. As a result, far fewer taxpayers will...

Monday, November 4, 2019

Independent living communities, also known as rental retirement communities, offer housing options for active seniors and retirees who require little or no assistance with daily activities. Most independent living residents desire an...

Tuesday, October 15, 2019

The House of Representatives passed the Setting Every Community Up for Retirement Enhancement Act on May 23, 2019. It passed by a large margin 417/3 and but has been stalled at the Senate level. The proposed bill has more than 20...

Sunday, November 18, 2018

Continuing care retirement communities (CCRCs) are living arrangements that combine independent living, assisted living, and nursing home care on a single campus. CCRCs offer residents a continuum of care throughout their lives....

Monday, January 22, 2018

Many market shocks are short-lived once investors conclude the event is unlikely to cause lasting economic damage. Still, major market downturns such as the 2000 dot-com bust and the 2008-09 credit crisis are powerful reminders that we...

Wednesday, December 20, 2017

Recently, I sent out a post regarding year-end tax planning strategies ahead of the tax reform bill being passed. So, if you’ve been watching the news, you know that the bill has passed and is awaiting President Trump’s...

Sunday, September 17, 2017

Submitted by Guidant Planning on September 13th, 2017There's a fine line between keeping financial records for a reasonable period of time and becoming a pack rat. In general, you want to keep physical copies of anything related to...

Thursday, September 14, 2017

Submitted by Guidant Planning on September 14th, 2017Q: What does a credit freeze do? A: A credit freeze limits who can see your credit report information. The goal is to prevent anyone from opening any new accounts. It doesn't damage...

Wednesday, September 13, 2017

Credit agency Equifax announced that it suffered a data breach affecting 143 million U.S. consumers. The attack on the company represents one of the largest risks to personally sensitive information in recent years, and is the third...

Monday, June 5, 2017

As many of you know, I am an Ed Slott Master Elite Advisor. I have been part of his group for over 10 years. Ed Slott is a consumer advocate and retirement and tax expert and educator. If you'd like a little bit of background on Ed...

Monday, April 10, 2017

Make a record of your passwords, folks. Do you know what vital information to have on hand in the event of a natural disaster, emergency or death in the family? When an unexpected situation arises our Personal Financial Portfolio will...

Sunday, April 9, 2017

Do you know what vital information to have on hand in the event of a natural disaster or family emergency? When an unexpected situation arises, there's no time to sort through paperwork, no matter how essential it may be. Having...

Tuesday, April 4, 2017

How much to save? A question many people want an answer for but struggle to figure out: How much should I save for retirement? "As much as you can," is compelling advice. Many financial advisors recommend that you save 10% to 15% of...

Wednesday, May 25, 2016

On May 21st, Guidant Planning hosted its 5th bi-annual Shred Party at Brookside Park. Unfortunately, the weather did not cooperate with us, as it was quite windy and overcast. We would like to say thanks to those that endured the...