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Planning for Special Needs Individuals

529a ABLE accounts are tax-advantaged savings accounts for individuals with disabilities. The primary benefits include: • Income earned by the account will not be taxed nor will withdrawals for ‘qualified expenses’; a wide array of expenses qualify • Anyone can contribute funds to the account • Value is excluded from consideration in means-testing to determine eligibility for public benefits

Investing Insights
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Market Comment from Pacific Wealth Management (Aug)

The last 18 months have been a roller coaster ride for investors, even though stocks and bonds have delivered strong returns this year. With interest rates around the world declining, the financial markets have been mostly ignoring the increasing number of signs our global and U. S. economies are slowing. The volatility that initially reappeared in 2018, then in early May of this year, and now again within the last week, is increasingly looking like a precursor for more in the future. Although we feel the global economic expansion can continue, our business cycle appears to be in the later stages. Investing is likely to become more challenging from here.

Investing Insights
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Cost of Healthcare in Retirement

Eligibility for Medicare coverage begins at age 65. Those who retire before this age and lose health insurance coverage provided by their employer will pay considerably more for health insurance until they become eligible for Medicare. The cost of monthly premiums increases steadily with age, peaking at age 64.

Retirement Funding Insights
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Cybersecurity Best Practices

Cyber crime affects hundreds of millions of individuals globally each year with victims often unaware they have even been affected. The sophistication of methods is ever-increasing and even large corporations and governmental institutions (e.g. Anthem, Equifax, the U.S. Securities & Exchange Commission) have fallen victim to egregious security breaches. In absence of a cybersecurity panacea there are basic measures that can be taken to minimize both your exposure and vulnerability.

Insights
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Cost of Probate in CA

Small California estates with assets worth $150,000 or less may be settled without formal probate proceedings, using relatively simple transfer procedures. However, if the gross estate exceeds this amount and it contains assets which must pass through probate, the estate can expect to incur substantial expenses.

Investing Insights
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