Serving over 200 companies and more than 2000 families since 1988

2882 Sand Hill Rd. Ste. 119 - Menlo Park, CA 94025 - (650) 854-8963 - (800) 564-4476
Pleasure Point - (831) 464-9600

Posts made in March, 2016


During most of your working life, leading up to retirement, housing might be your largest monthly expense. During retirement, the situation often changes, with health care becoming the biggest financial burden you face. Several factors come together to create an uncertain situation for retirees: the cost of health care rises each year, currently outpacing the general rate of inflation as you grow older, you are more likely to face more significant health problems – along with the associated expenses people are living longer life spans than ever – great news, except this means you will live on your retirement savings longer, and likely experience more health problems the cost of long-term nursing care is high, and difficult for many retirees to afford regular changes to Medicare policy mean that coverage and premiums can differ from one year to the next, meaning many retirees aren’t sure what to expect from the public health program Medicare will cover about 51 percent of health care expenses, meaning you will be responsible for about half of your bills So what can you do to reduce out-of-pocket medical expenses in retirement? Take care of your health now. The development of many health problems can be postponed, or completely prevented, by eating a healthy diet, exercising regularly, seeing your doctor for regular preventive care, and quitting smoking and other health-harming habits. Take these steps now so that you can enjoy better health – and hopefully lower medical bills – throughout your life. Prepare for medical expenses. Early retirement planning, learning good budgeting habits, paying down your debts, and timing your retirement to the best of your ability can help you establish a more secure retirement income. Set yourself up for success by taking these steps now and throughout your retirement years. Investigate your insurance options. Medicare supplemental insurance, long-term care insurance, and other insurance options can help you manage your out-of-pocket medical spending. Contact us for more information on the variety of insurance products designed to help you enjoy a more stable...

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When hiring new employees, one of the main things business owners should always remember is that prospective employees are also weighing different employment options. During any interview, they are checking you out as much as you’re checking them out! Just as you are searching for the right fit for your company, they are also searching for the right fit for their careers. Good business managers realize this fact, and that’s why most companies seek to offer benefits that attract and retain top talent in their field. These days, a retirement plan is one of the main benefits workers seek in a prospective employer. Most American workers are well aware that the Social Security system is perpetually reported as being potentially insolvent in the future. More and more people are realizing that planning for retirement falls squarely on their shoulders, and a company that offers a comprehensive retirement package will earn a significant edge in attracting and retaining the best workers. While helping your employees prepare for retirement, a qualified retirement plan also confers important tax benefits to both you and them. Employee contributions (except for Roth contributions) are not taxed until distributions are made in retirement. Money in the plan also grows free of taxes. As for your end of the deal, employer contributions are deductible from your income, allowing you to offer some degree of matching funds to your workers (the amount is up to you, if you choose to contribute to their retirement funds at all). As with all other aspects of running your business, you will face a variety of choices when shopping for a retirement plan for your employees. A defined contribution plan allows your workers to contribute a percentage of their income to their accounts, in which the money is invested into various fund options. At retirement, your employees will elect to take distributions according to their own financial needs and priorities. This is a popular option for both large and small businesses, and the one with which most people are familiar. We specializing in helping business owners choose a retirement funding option that matches their priorities, as well as that of their employees. Call us to schedule a consultation, and we can help you select a retirement benefit plan can will help you attract and retain top talent in your...

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Now that California’s annual Open Enrollment period is closed, you will have to wait until it opens again in the fall if you need to purchase or make changes to a health insurance plan. In some cases you might qualify for a special enrollment period during the year, but unfortunately most people do have to wait until the next Open Enrollment period. That can be bad news if you’ve suddenly decided you do need health insurance after all. But we have some good news for you: You can purchase a dental or vision insurance plan at any time of year, regardless of the Open Enrollment period. This type of insurance can be beneficial for those of you whose out-of-pocket medical spending mostly goes toward dentist bills or vision care. As with general health insurance plans, there are many different levels and types of dental and vision insurance. As you compare policies, remember to keep the following features in mind so that you can select one that is best for you: Access to providers – will you be required to use only in-network providers, or can you select your own? This might matter to you, if you have a favorite dentist or eye care professional, or if providers are limited in your area. Coverage limits – coverage for certain procedures might be more limited than for others. For example, a dental plan might cover 80 percent of routine fillings but only 50 percent of the cost of a root canal. Waiting periods – some dental and vision plans impose waiting periods, while others offer immediate benefits. Routine preventive care – many plans cover 100 percent of the cost of routine care. Others might require you to pay a co-pay. Allowance for contact lenses or glasses – vision plans typically cover contact lenses or glasses, up to a certain limit. Compare this limit to the amount you normally pay for these items, to get an idea of your out-of-pocket spending. Remember that routine eye care can detect potentially serious vision problems very early in the progression of the disease, allowing you to seek immediate treatment. Dental care is also important to your overall well-being, and some studies have linked dental health to heart health. Call us with any questions that you might have about dental or vision insurance. We can help you compare policies and select one that is right for...

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