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Jan Gleisner | Financial Planning in San Diego | Blog

All About IRAs & How They Work

An individual retirement account, or IRA, is a specific type of savings account designed for retirement savings. IRAs come in several forms, but all IRAs offer tax advantages that make it easier to save money for retirement. An IRA is a wise choice if your employer...

How to Rebalance the Assets in Your Portfolio

When investment portfolios are designed, financial planners follow factors and strategies that result in a certain weight assigned to the various asset groups. A widely recommended approach involves balancing the weight of the asset classes for the purpose of matching...

How Do I Decide Whether to Consolidate My Credit Card Debt?

More than 40 percent of households in the U.S. have at least some credit card debt. California ranks third in the nation for the highest level of debt, with the average household owing around $10,500. If you’re having difficulty paying down your balances and...

7 Financial Habits Successful Women Practice

A few years ago, Forbes started tracking the financial progress of female millionaires and billionaires a little differently than its traditional lists of wealthy individuals around the world. By creating a separate list of self-made female millionaires, Forbes...

6 Mistakes to Avoid When You’re Investing

When it comes to investing, everyone is bound to make mistakes. In September 2008, a series of investing mistakes made by major Wall Street firms and large banks culminated in a spectacular stock market crash and the advent of the global financial crisis. Quite a few...

Financial Goals You Should Hit for Each Decade of Adulthood

Learning how to save for retirement and ensure a solid financial future can often be overwhelming. Savvy planners understand the importance of devising a plan and sticking with it to achieve financial freedom. Here are some practical goals to have for each decade of...

5 Financial Steps You Should Take If a Divorce Is on the Horizon

When spouses see the writing on the wall as it relates to their marriages, their financial concerns tend to be focused on distribution of marital property, child support payments, and potential alimony, but the financial reality of divorce is a lot more complicated....

Strategies for Recession-Proofing Your Business

During most of 2018, major investment banking firms such as Goldman Sachs and Morgan Stanley have been optimistic regarding their projections for the American economy. There are very few signs that suggest a recession would be felt between now and 2020. However, these...

6 Crucial Facts About 401(k) Plans

One of the first decisions you need to make when you’re hired at a new company is whether you’ll participate in the 401(k) plan. While participating in a 401(k) means more money coming out of your paycheck, it also means you’ll be building a nest egg for...

How to Make Extra Cash in Your Spare Time

Aside from being extremely frugal, increasing your income is the most effective means of improving your financial situation. Even if your paycheck covers your household expenses and provides some level of disposable income, earning some extra cash in your spare time...