Living Without an Emergency Fund? Here’s What You’re Risking.
April 23, 2025
Many people put off saving for emergencies, either because they feel it’s impossible with their current budget or because other financial priorities seem more pressing.
The Prudent Perspective – April 2025
April 7, 2025
Vibecession: When Sentiment Defies the Stats
Despite solid economic indicators, American consumer and small business confidence is in sharp decline—reviving the term “Vibecession” to describe today’s uneasy economic mood.
9 Ways Fiduciaries Can Build a Strong Financial Future for Clients with Limited Means
February 18, 2025
Whether you’re overseeing the financial well-being of a beneficiary, a senior, or someone with special needs, crafting a solid financial plan requires a strategic approach—one
Navigating Reporting Requirements for Social Security Income: A Guide for Fiduciaries and Guardians
February 8, 2025
Social Security benefits are a vital form of financial support for many individuals, including minors and adults that have a guardian or conservator. These benefits
Safeguarding Seniors: How to Protect the Elderly from Financial Exploitation
January 31, 2025
A few years ago, I ran into an old friend. He was single at the time and I asked him how his dating life was
The Prudent Perspective – January 2025
January 15, 2025
The recent rise in American optimism following the election, noting increased confidence across various demographics. Despite this positive sentiment, they advise investors to remain cautious, highlighting that while the U.S. economy shows resilience with strong productivity growth and anticipated earnings increases, it’s essential to avoid complacency in investment decisions.
Special Needs Planning: How to Protect Your Child’s Disability Benefits
December 11, 2024
Disability benefits are hard to get and easy to lose. Last Week Tonight with John Oliver host John Oliver quipped during a 2024 segment on
The Presidential Election and the Economic Impact
October 17, 2024
With the upcoming presidential election less than a month away, conversations about the future of the economy are at the forefront of political discussions. The
The Prudent Perspective – October 2024
October 9, 2024
Card experts have warned that a winning hand can often lead to overconfidence and complacency, causing players to take unnecessary risks and become careless. Those missteps arising from sloppy play can lead to trouble when playing future hands.
Breaking Down the 2024 Medi-Cal Asset Limit Changes
September 25, 2024
Medi-Cal, California’s Medicaid program, has long been a lifeline for lower-income individuals and families, providing essential healthcare services. While the program has successfully supported more
Safeguarding Your ABLE Account to Prevent Medicaid Clawbacks
September 11, 2024
Among the many tools available to families of special needs children, an ABLE account (Achieving a Better Life Experience) is a tax-advantaged savings account intended
Financial Advisor vs. DIY Investing: Which is Right For You?
August 9, 2024
As the saying goes, “money makes the world go round.” And when it comes to managing your finances, making the right choices can have a