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Category Archives: Financial Planning

Teaching Your Kids About Money

I recall from my life as a young teen that, after spending most of my years fully ignorant of the money our family had or frankly worrying about it at all, my mother made it clear to me and my … Continue reading

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DIY Family Style

At a time when just about everyone in the household who can work goes to their job every day, maybe it’s time to consider doing some of the tasks around the house that we have been paying someone else to … Continue reading

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Real Cost of Home Improvements

Buying a home is a big decision and an even bigger investment. For many, purchasing a home will be their largest financial transaction in addition to becoming the most valuable asset they own. While some buyers look for “move in … Continue reading

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Protecting Parents from Financial Abuse

News about financial elder abuse becoming more common nowadays. Whether it’s via phone, mail, internet, or even through direct interaction, vulnerable seniors are being targeted frequently.  We often think that such a thing won’t happen with our parents or feel … Continue reading

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Time to Get Out of Debt

If you are waking up at night wondering how in the world you will ever pay off debt and continue all of the regular expenses incurred day to day for 2017, it’s a great time to consider how you’d approach … Continue reading

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Fiduciary Education Better than Regulation

There’s been a lot of buzz in the media again lately about the DOL Fiduciary Rule. In large part, it seems people are concerned by the Trump administrations announcement to do away with it. Unfortunately, politics as usual, is getting … Continue reading

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Step Down Spending

Whether you’ve lost a job or are considering intentionally reducing your spending in an effort to save more or prepare for retirement, there are ways to step your costs down a notch or two without altering your lifestyle entirely. Many … Continue reading

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Which is better, a Traditional or Roth IRA?

Let’s start with the basics. IRA stands for Individual Retirement Account and just about anyone can open one. In order to contribute to an IRA you must have earned income. Traditional IRAs and Roth IRAs have many similarities, but there … Continue reading

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Achieving Goals in 2017 the SMART way

It just happened again, 2017 is here and just like last year it seems that time is passing by faster and faster. If you haven’t already, take a moment to reflect on where you were the beginning of last year. … Continue reading

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The Holiday Gift that Keeps on Giving

Ever notice your closets are packed full? Even if you move to a bigger house with more closet space, you’ll soon fill them up. The inverse is true with our checking accounts. We tend to spend what we have in … Continue reading

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Last Year’s Money Diet Resolution

The year is almost over and it’s time to take stock of where you’ve been and what still needs to be accomplished through the remainder of the year. More than likely you made a New Year’s resolution related to your … Continue reading

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Childhood Lessons from Holiday Shopping

A long time ago while raising a 7 year old alone, I decided it was time for yet another money activity and learning opportunity for my son. Fortunately I had opened what used to be called a “Christmas Club Savings … Continue reading

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College Roommate Food Fights

Whether you are heading to college this fall for the very first time or a returning student, there are always plenty of decisions – what courses to take, major, minor, how much to borrow, how much to work – but … Continue reading

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Going to College? File your FAFSA now!

If you are planning to enter college in the next year and you also want to learn what financial aid options are available to you and your family, you MUST get busy and complete the Free Application for Student Aid … Continue reading

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Yes, There Really is a National Financial Planning Month

Did you know October is national financial planning month? Probably not, but hopefully the title gave that away. Someone much wiser than I once said “a goal without a plan is just a wish”, and they were right! When asked, … Continue reading

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Credit Report vs Credit Score

Credit report or credit score, which is more important? Most consumers don’t understand the difference between a credit report and a credit score, so here’s the low down… A credit report is a compilation of bits of data that are constantly … Continue reading

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The Feel Good of Saving

How does it start – the “feel good” of saving money? It’s a tough question to answer. Maybe it happens all at once and you wake up and say “oh, I’m going to start saving money today” and then you … Continue reading

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Help Your Kids Become Money Masters

It’s not the money that matters. It’s how you use it that determines its true value. Do you want your children to become financially responsible? If so, then you need to teach them some crucial lessons about money. If kids … Continue reading

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Do Your Money Behaviors Match Your Values?

When it comes to your money and other personal resources do your insides match your outsides? Strange question you say – what in the world does that mean? Think of it this way, what is REALLY important to you? Is … Continue reading

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The Grocery Store Dilemma

I recall a trip to the the grocery store where I noted a mother with two small children picking up a pint bottle of bleach with a price tag of $ 1.69 when right next to it was a gallon … Continue reading

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Thinking of Buying a Home?

There’s a whole body of study and opinion around housing options and choices – renting versus buying is certainly one of the main considerations. And where to live is right up there as well. Buying a home isn’t for everyone. … Continue reading

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Why the Financial Industry is Still Broken

I’ve been investing in the stock market since I was 13 and began working in financial services during my junior year of college. I’ve experienced the tech boom and bust, a real estate bubble, the great recession, and the largest … Continue reading

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Smart Credit & Debit Tips

Recently credit card companies across the United States have adopted the use of security chip technology to replace the outdated, less secure, magnetic swipe system. Historically, most credit card companies have been good about taking responsibility and resolving fraud, but … Continue reading

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Investing Basics for Beginners

Understanding basic principles is critical to making smart investment decisions. Although it may seem complicated to the masses, smart investing is not rocket science. In fact, the most important and obvious investment principle is good old common sense. It’s important to … Continue reading

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LA Times features 1080 Financial Group

“If you’re trusting someone with your financial decisions, they should have your best interest first.” -Stephen Rischall   1080 Financial Group was interviewed by Jim Puzzanghera, an award winning business journalist for his coverage of the financial crisis in the Los Angeles Times. In … Continue reading

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Posted in Announcements, Economic Update, Financial Planning, Investing, Millennials, News, Personal Finance, Retirement | Tagged , , , , , , , , , , , , , | 1 Comment

File Jointly or Not?

For many married couples, filing a joint tax return is a good idea, but there are exceptions. In fact, over 90% of married couples file a joint federal tax return. Filing jointly can be convenient and often times there’s a … Continue reading

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Tax Planning for the Self-Employed

For some, self-employment is the American dream. An opportunity to be your own boss, to maintain a flexible work schedule, and oh yes, to establish a lifelong relationship with your accountant and other financial professionals. While there’s plenty of upside … Continue reading

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Vehicles for Retirement Savings

It’d be nice to have retirement GPS but they won’t be adding that to Google Maps anytime soon. America’s largest generation–the baby boomers–are lost and it’s going to have an impact on their retirement. If there’s anything younger generations should … Continue reading

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SMART Goals for the New Year!

It’s New Year’s Day and I called up my mom to say hello for the first time this year. We started talking about “resolutions”, and she brought up a good point that, “making a New Year’s resolution is just a … Continue reading

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6 Financial Thoughts for Year-End

For some reason the end of a year makes us think about things we need to take care of and good habits we want to develop. In preparation for the end of 2015 here are 6 key financial considerations to … Continue reading

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