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Cost of Living Adjustment (COLA)

A guide to drawing down your savings in retirement

A guide to drawing down your savings in retirement

As reported in the LA Times, “A guide to drawing down your savings in retirement.” The approach of retirement should be an exciting time for 50- and 60-somethings. But when the issue is your finances — and whether you’ve saved enough to last the rest of your life — excitement can quickly be overridden by […]

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How to divvy up assets as you head for retirement

How to divvy up assets as you head for retirement

As reported in the LA Times, “How to divvy up assets as you head for retirement.” Choosing how to invest retirement savings often ends up being a dartboard exercise for younger people, because it all seems so theoretical. As the date of retirement or semi-retirement gets nearer, however, you begin to realize that your financial […]

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Long-term care insurance: Less bang, more bucks

Long-term care insurance: Less bang, more bucks

As reported in the OC Register, “Long-term care insurance: Less bang, more bucks.” Mary Julia Klimenko thought she was prudent 20 years ago when she invested in a long-term care insurance policy, one she believed would help pay for the care she’d need as she aged. Now she wishes she’d banked the money instead. Her […]

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U.S. money market assets fall on tax payments – iMoneyNet

U.S. money market assets fall on tax payments – iMoneyNet

NEW YORK (Reuters) – U.S. money market fund assets fell to their lowest level since September in the latest week on withdrawals for tax bills in advance of the April 18th deadline, the Money Fund Report said on Wednesday. Money fund assets dropped $34.55 billion to $2.679 trillion in the week ended April 19, the […]

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Just How Risky Is Your Portfolio? – Here Are Five Ways to Size Up Your Holdings

Just How Risky Is Your Portfolio? – Here Are Five Ways to Size Up Your Holdings

Just How Risky Is Your Portfolio? – Here Are Five Ways to Size Up Your Holdings, as reported in the WS Journal. U.S. stocks are expensive by historical standards and the market has been choppy since mid-September. Nervous? To figure out how much risk you’re exposed to, try looking at your portfolio from five different […]

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Where to Exit the Market Herd

Where to Exit the Market Herd

Editor’s Note: This article appeared in early January, 2015.  The timing and statements still appear true as of today  – – the date of publication. Where to Exit the Market Herd – Simon Constable Suggests Three Contrarian Investment Plays, as reported in the WS Journal. Going with the crowd might have helped in high school, […]

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Investing for the Long Term – How to Play Trends That Will Move Markets for Years to Come

Investing for the Long Term – How to Play Trends That Will Move Markets for Years to Come

Investing for the Long Term – How to Play Trends That Will Move Markets for Years to Come, as reported in the WS Journal. Investors often try to profit by betting on short- and medium-term shifts in stocks and bonds. But the real money comes from anticipating long-term trends, the kinds of changes that take […]

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10 things investors won’t tell you

10 things investors won’t tell you

10 things investors won’t tell you, as reported in the WS Journal. 1. We have no idea what we’re doing… Over the last four decades, the 401(k) plan has replaced the pension as the main form of retirement plan. About 31% of workers had so-called defined contribution retirement plans in 2008, up from just 8% […]

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Washington Alert – CMS concerned of loss of ACA’s premium tax credit; IRS Collection being proactive on payroll taxes; JCT Report onMacroeconomic Effects of the ‘Tax Relief Extension Act of 2015

Washington Alert – CMS concerned of loss of ACA’s premium tax credit; IRS Collection being proactive on payroll taxes; JCT Report onMacroeconomic Effects of the ‘Tax Relief Extension Act of 2015

Federal officials, including those at the Centers for Medicare and Medicaid Services (CMS), are continuing to voice concerns regarding the possibility that up to an estimated 1.8 million households could lose their eligibility to receive the Affordable Care Act’s premium tax credit in 2016. Based on Treasury Department data, these households have been receiving the […]

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Retirement planning techniques that could be going away soon

Retirement planning techniques that could be going away soon

While Presidents and Congresses have for decades championed tax incentives for Americans to save for their retirement, a number of recent proposals aim to close down certain retirement planning techniques that some deem inequitable. In this article, we discuss three of those techniques and some of the proposals that would close down their use. High […]

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The 10 smartest cities in America

The 10 smartest cities in America

The 10 smartest cities in America, as reported in the WS Journal. The pursuit of higher education is more common in America today than in previous generations. According to the National Center for Education Statistics, roughly 41% of Americans aged 18 to 24 were enrolled in a two- or four-year degree-granting institution, far more than […]

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Will Funds Outperform in 2015? – A Few Investment Lessons From Last Year’s Market

Will Funds Outperform in 2015? – A Few Investment Lessons From Last Year’s Market

Will Funds Outperform in 2015? – A Few Investment Lessons From Last Year’s Market, as reported in the WS Journal. As 2015 gets under way, most on Wall Street expect the nearly six-year-old bull market for stocks to keep running. And the long-awaited bear market for bonds seems to be on hold. For mutual-fund investors, […]

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Florida Governor Tells Residents Of Other States: ‘Move Here!’

Florida Governor Tells Residents Of Other States: ‘Move Here!’

TALLAHASSEE, Fla. (Reuters) – Florida Governor Rick Scott will kick off his second term on Tuesday with a blunt warning that he intends to poach people and jobs from other large states that have relatively higher taxes. “I have a message today to the people of New York, Illinois, California, Pennsylvania and others: Move to […]

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Here are 15 economic surprises for 2015 Business leaders predict what we’ll be talking about this time next year.

Here are 15 economic surprises for 2015 Business leaders predict what we’ll be talking about this time next year.

As reported in the OC Register: Think back a year ago. Did anybody see consumers rewarded with cheap money and cheap gasoline – along with a healthy economy – nicely wrapped under the 2014 economic Christmas tree? It’s a good lesson that it’s one thing to predict economic trends – the high-probability business patterns we […]

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Bits ’n Pieces – Mortgages, Consumer Debt Relief, Deflation, Budget Gap, U.S. Manufacturing

Bits ’n Pieces – Mortgages, Consumer Debt Relief, Deflation, Budget Gap, U.S. Manufacturing

As  reported in the WS Journal: A Surge in Mortgages The moribund mortgage market sprang back to life this month after a drop in interest rates to levels not seen in almost two years sent borrowers rushing to lock in cheaper loans. Mortgage applications rose a seasonally adjusted 49% in the week ended Jan. 9 from […]

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How to Keep Your Portfolio on Track – Thirty-One Rules to Guide Your Investments This Year

How to Keep Your Portfolio on Track – Thirty-One Rules to Guide Your Investments This Year

How to Keep Your Portfolio on Track – Thirty-One Rules to Guide Your Investments This Year, as reported in the WS Journal. Looking to improve your money management in 2015? Here are 31 rules for the financial road ahead. They’re excerpted from the “ Jonathan Clements Money Guide 2015,” which covers financial topics from retirement […]

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COLAs alter optional methods for determining self-employment earnings for 2015

COLAs alter optional methods for determining self-employment earnings for 2015

Social Security Online The Social Security Administration has released various cost-of-living adjustments (COLAs) for 2015 including the quarter of coverage figure, which rises from $1,200 for 2014 to $1,220 for 2015. The increase in the quarter of coverage figure serves to increase the lower and upper limits under optional methods for computing self-employment tax, as […]

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How to Make Your Savings Outlive You – Don’t Expect a Fixed Income From Risky Investments

How to Make Your Savings Outlive You – Don’t Expect a Fixed Income From Risky Investments

How to Make Your Savings Outlive You – Don’t Expect a Fixed Income From Risky Investments, as reported in the WS Journal. It’s the great retirement debate: How much can retirees spend each year without running out of money before they run out of breath? This is a tough one, because there’s so much uncertainty. […]

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Bits ’n Pieces – Oil’s Gift to Home Buyers, Negative Equity Ebbs, Consumer Prices Fall, Gasoline Spending Slides, New College Ratings Plan, Housing

Bits ’n Pieces – Oil’s Gift to Home Buyers, Negative Equity Ebbs, Consumer Prices Fall, Gasoline Spending Slides, New College Ratings Plan, Housing

Oil’s Gift to Home Buyers Low oil prices may offer a hidden gift to consumers beyond the gas pump: They could also indirectly support lower mortgage rates. The average 30-year fixed-rate mortgage fell to 4.06% in the week ended Dec. 12, the lowest level in 18 months, according to the Mortgage Bankers Association. The plunge in […]

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Inflation Could Help You Next Year – Indexing Should Effectively Cut Taxes for Most Households

Inflation Could Help You Next Year – Indexing Should Effectively Cut Taxes for Most Households

Inflation Could Help You Next Year – Indexing Should Effectively Cut Taxes for Most Households, as reported in the WS Journal. Inflation may not sound like a reason to celebrate. But it will mean at least some federal income-tax relief for most taxpayers for 2015, two tax experts say. The law requires annual inflation adjustments […]

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Meet Paul Raymond

Meet Paul Raymond

Mr. Raymond is a sought after speaker in tax controversy law by many attorney, accountant, and business groups and at the request of the Internal Revenue Service, has presented programs at the IRS Nationwide Tax Forum, attended by tax professionals throughout the United States.

Additionally, he continues to be an active member in the Section of Taxation, American Bar Association, where he was the Past Chair of the Employment Taxes Committee.

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Member CA Bar Member Orange County Bar US Tax Court Attorney