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Our library of valuable financial and investment information and articles
January 24, 2023
It's a jam-packed week for earnings reports as Wall Street continues to ponder the next Fed rate...
Can You Retire With 500k?
Are you headed for the future you want? Your retirement years should be the best years of your...
5 Mistakes That Could Cost You Thousands In Retirement
1. Falling for Scams. Millions of Americans are victims of elder fraud. They will receive constant...
5 Questions to Ask Yourself Before You Retire
1.) What are your travel plans? This is the time in your life where you should be crossing off...
3 Common Annuity Mistakes That Could Cost You Thousands
1. Investing too much money Annuities are a great source of lifetime income, but sometimes they...
Is My 401(k) Enough for Retirement?
One of the most exciting investment tips we’ve heard in recent years has to do with the 401(k)...
How can I get a bigger tax refund in Retirement?
It’s that time of the year when many taxpayers think about paying their taxes to get their tax...
3 Social Security Mistakes That Could Cost You a Fortune
1) Work at Least the Full 35 Years. The Social Security Administration (SSA) calculates the amount...
How To Choose An Annuity
How To Choose An AnnuityThere are many annuity options to choose from, and how to choose an...
How Tariffs May Impact Investors
Tariffs and Investors Despite a strengthening economy and historically low unemployment rates, the...
Interest Rates & How It Can Affect Your Portfolio
The good news is that, chances are, your investments grew in 2017. And while there are no clear...
What You Need to Know About Rebalancing Your Portfolio
Managing your investment portfolio is a lot like practicing holistic medicine. Achieving proper...
Market Outlook for 2018
Wall Street is experiencing the second-longest bull market since March of 2009. For the first time...
Tax relief when you’re financially supporting your kids and your parents.
If you are a parent, chances are you know how expensive it is to have kids. A 2017 report by the...
Strategies to Help You Prepare for the Tax Season
Like it or not, tax season is here. For many taxpayers, just thinking about the experience causes...
What to Expect in the First Three Months of Retirement
Your retirement is a long-awaited moment, but like any major life change there are some things to...
Investing In Bonds: What To Know
When it comes to investing, some choose to utilize bonds. Bonds are debt securities issued from...
Retiring at the end of the year? Here are the steps to take.
Fall is just beginning but that also means the year’s end is quickly coming. Knowing that your...
3 Common Questions About Retirement
In our many years of helping people accomplish their retirement goals, we’ve answered a lot of...
Diversifying Your Retirement Portfolio
The term “diversifying your retirement portfolio” is commonly heard when discussing retirement,...
Leaving an Inheritance: What to Know
Leaving an inheritance behind to children or loved ones is a goal that many retirees wish to...
55+ Communities in Orange County
Choosing to live in a 55+ community is a decision facing many upcoming retirees. The choice to...
Probate: What You Should Know
Probate may not be the most glamorous topic concerning estate planning, but it’s definitely an...
Life Insurance: 5 Things You Need To Know
Life insurance is a valuable asset in the world of personal finance. Due to the perceived...
How do Interest Rates Affect Pensions?
One factor of retirement planning that may often go unnoticed is interest rates. The highs and...
The DOL Rule: What It Means For You
The Department of Labor (DOL) Fiduciary Rule has been a popular topic of conversation in recent...
Taking The Lump Sum Vs. Company Annuity
The choice between taking your pension as a lump sum or company annuity can highly impact your...
Understanding Trust and Estate Planning
Estate planning is an important part of your retirement, especially if you want to have control...
What You Need to Know about Long-Term Care and Life Insurance
Long-term care and life insurance play a big role in your retirement planning. It’s important to...
The Retirement Rollover Process Explained
What does a rollover really mean for you and your savings? What is a rollover? Rollover is...
When Should I Start Collecting Social Security?
Social security is an important aspect of your retirement plan but when is the right time to start...
How Much Should I Save to Retire?
The question that’s on everyone’s mind: how much should I be saving for retirement? The reality...
Best Places to Retire in Southern California
Discussing retirement can often lead to the question: where is the right place to retire?...
What Retirees Wish They Had Known Before Retiring
Retirement is a big step in your life, so it is important to be well-informed on every aspect....
5 Retirement Myths to Watch Out For
There is a lot of uncertainty surrounding your retirement years. The last thing you want is to...
What High Tax Rates and Inflation Can do to Your Retirement
When it comes time to retire, your assets are very important. Understanding what elements could...
How to Avoid Overexposure in a Market Upturn
When trading stocks, you do not want to be overexposed by investing too much into just one place....
Preparing Your 401(k) For Retirement
As you are preparing your 401(k) for retirement, one option you have is to re-allocate it. While...
How to Protect Your Assets in a Market Downturn
We always customize portfolios to minimize risk for each individual investor. Investing in stocks...
Preparing for Retirement With Your Spouse
When many of our clients look back on their life from retirement, it is not surprising that the...
How To Use Dividends For Retirement Income
Dividends can be a great source of income for retirees. When you are ready to start delving into...
Rebalancing Your Portfolio
I’m going to tell you a short fictional story about an investor named Jimmy. Jimmy wanted to be on...
Why Is Fiduciary Duty So Important?
After saving for retirement for most of your working life, choosing the person to manage those...
5 Common Retirement Mistakes
Preparing for retirement is more than just saving enough money to last you through the years....
Paying Off Your Debt Before Retirement
If you have debt that you want to pay off before your retirement, it is important that you come up...
How To Protect Your Assets From Inflation
It can be easy to let inflation defeat you and take away the value of assets. It might sound a...
How Can You Minimize Taxes On Your Retirement Income?
When you pay taxes while you are working, it does not seem like such a big deal because you have a...
Steps To A Successful Estate Plan
As you go through retirement, it is wise to consider putting together an estate plan. Having an...
Why You Only Hear From Your Financial Advisor Once A Year
If you are seeking professional assistance, it is likely because you want guidance for your...
Can You Keep Your Lifestyle In Retirement?
You make an important lifestyle change when you decide to retire. For some, that can be a scary...
How To Make Your Money Last In Retirement
When one expense goes out the front door, another comes in the window. Now that you are retired,...
How Much Money Do You Need To Retire?
When thinking about retirement, the natural question you want to ask is, “How much money do you...
2017: Find What You Love to Do and Do it
It can be one of life’s biggest challenges to make your passions and your profession align. Often,...
Year-end Financial Planning: Making a Difference for Next Year, Part 2
We’re continuing our discussion of advice for retirement planning. The beginning of the year is a...
Year-end Financial Planning: Making a Difference This Year
Whenever I get faced with a question along the lines of, “When is the best time to start...
The Wrong Choice: Thinking Twice About Big Purchases
When you’re making retirement plans, there’s a lot that you want to get right. You want to make...
What Does a Record-Breaking Market Mean for Your Retirement?
Most sectors are seeing record highs in the wake of the American election, which may mean a number...
Rated Among Top Wealth Management Firms by Forbes Magazine
https://youtu.be/k6BrV0bejX8 Miramontes Capital is a Registered Investment Adviser. Advisory...
17 Rewarding Travel Destinations For Your Retirement Bucket List
Many people work for 40+ years, and take no more than two weeks off at a time. All that hard work...
Diversifying Your Retirement Portfolio: The Power Of Sectors
Diversifying your retirement portfolio is an important step before your “New Beginning,” and...
When Is The Best Time To Invest During Presidential Cycles?
Miramontes Capital is a Registered Investment Adviser. Advisory services are only offered to...
The Gap: Women, Retirement, and Financial Wellness
Working women who save for retirement will likely be less than satisfied by the assumption that...
Life Expenses In Retirement: To Budget Or Not To Budget
Your expenses do not just represent your spending, they represent who you are. Are you the type of...
Concerned About The Markets?
Miramontes Capital is a Registered Investment Adviser. Advisory services are only offered to...
Have You Thought About Investing In Real Estate Outside Of Your Portfolio?
Miramontes Capital is a Registered Investment Adviser. Advisory services are only offered to...
Voices of Experience: Considering Your Lifestyle in Retirement
What are the most important things to work toward to stay happy in retirement? Certainly a...
Know Thyself: Psychology’s Role in Preparing for Retirement Decisions
How far do you agree with the following statement? Your retirement will be successful only to the...
Have You Asked Yourself These Retirement Questions?
Miramontes Capital is a Registered Investment Adviser. Advisory services are only offered to...
12 Of The Top Ways To Prepare For Retirement
Gearing up for retirement cannot be done in a single day. It takes persistence and care--and here...
How We Assist With Your Principal During Retirement
When you look at your principal during retirement (the amount of funds currently in your...
The Income Option: 401(k) Options Could Be Improved
We all know that utilizing an employer-sponsored retirement plan such as a 401(k) dramatically...
Facing Your Comfort Zone In Retirement
When helping you plan out your retirement funds, the financial advisers at Miramontes Capital make...
Book Series: Planning With Your Spouse
Miramontes Capital is a Registered Investment Adviser. Advisory services are only offered to...
What’s Your Spending Arc?
Let’s look at some of the benefits and drawbacks of these three spending strategies.
Protecting Your Assets In Retirement: What You Should Know
What sets our services apart here at Miramontes Capital is the emphasis we place on minimizing...
Book Series: Social Security
https://youtu.be/BlCMR6AZtIw Order your copy of Retirement: Your New Beginning On Amazon....
Failing to Connect: Couples and Retirement Saving
George Bernard Shaw said that “The single biggest problem in communication is the illusion that it...
Inflation in Retirement
https://www.youtube.com/watch?v=_pLkTn6tzVc Miramontes Capital is a Registered Investment Adviser....
New California Retirement Savings Plan: Not a Solution, but Definitely an Option.
A historic bill is making its way through California’s legislature, one that could increase the...
Retirement Confidence: Common Hurdles, Part 1
Saving is hard work. Between making the right choices about your 401(k), deciding about other...
An Aging Work Force? Employers Need to Take Note
Care to work a little longer? Research is showing the trend of a growing number of seniors...
Inflation In Retirement Planning: The Two Sides Of The Cash Register
How does inflation in retirement planning affect you? Many people might experience some...
Recommended Social Security Strategies For Your Retirement
Social Security payouts can help provide a healthy source of income during retirement. How and...
Why Retirement May Surprise You—And How To Welcome It
Retirement is truly what you make of it. Learning to welcome the multitude of surprises it can...
Paying Off Debt In Retirement
Paying off debt in retirement is feasible with the right plan of action. Here at Miramontes...
Voluntary Retirement
https://youtu.be/5vbU-5xXOhc Miramontes Capital is a Registered Investment Adviser. Advisory...
Planning with Your Partner: Retiring with a More Holistic Approach
Looking at big-picture descriptions of what retirement looks like for couples, it could be easy to...
How To Invest Wisely: Choosing The Right Stocks Before Retirement
Knowing how to invest wisely will help usher you into an enjoyable retirement. Investing should...
Some Of The Top Free Personal Budgeting Tools & Apps
Sixty-eight percent of Americans do not budget—at all. But even if you do, one of these great...
The Book is Here!
Pre-order your copy of Retirement: Your New Beginning on Amazon Helping someone plan for...
Do You Have To Wait Until Age 59 ½ To Take Money Out?
Picture this: you have saved up for years to bolster a healthy retirement fund. But do you have to...
Healthcare and Long-Term Care
https://youtu.be/jXSYqHYxX7w Miramontes Capital is a Registered Investment Adviser. Advisory...
Factoring Taxes Into Your Retirement Plan
Have you considered factoring taxes into your retirement plan? It should not be an overlooked step...
When to take Social Security?
https://youtu.be/HE7RHN1jtyM Miramontes Capital is a Registered Investment Adviser. Advisory...
Filling Time v. Fulfilling Time: the Difference to Your Retirement
Taking on the task of getting yourself primed for retirement can appear like a monumental task—and...
Retirement Myths
If you don’t use a retirement planner, finding retirement advice can be scary. Some may have a...
Risk, Retirement and Quality of Life, Pt. 2
Last post, we brought up the crucial issue of securing yourself against some of the most common...
The 60/40 Rule is Broken
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3 Effective Retirement Calculators Online: When Will You Retire?
Before consulting retirement planning professionals at Miramontes Capital, it is a smart idea to...
What Rebalancing Means & How It Can Make A Big Impact On Your Retirement
There are many buzzwords surrounding retirement—but there is one in particular you should consider...
February 1, 2023
It's another blockbuster week for earnings reports as well as a rate hike announcement from the Fed and U.S. unemployment numbers for January. Here's what's happening ...
January 24, 2023
It's a jam-packed week for earnings reports as Wall Street continues to ponder the next Fed rate hike. Will this week's numbers and economic data have an effect on the agency's decision? Let's take a look at the bigger picture...
Can You Retire With 500k?
Are you headed for the future you want? Your retirement years should be the best years of your life. You’ve worked hard to be where you are, and you deserve a rewarding future with wonderful experiences. The problem is — you are not sure that you have enough to...
5 Mistakes That Could Cost You Thousands In Retirement
1. Falling for Scams. Millions of Americans are victims of elder fraud. They will receive constant phone calls from scammers who are trying to obtain financial and personal information. Sometimes they will claim they are from a financial institution. Other times they...
5 Questions to Ask Yourself Before You Retire
1.) What are your travel plans? This is the time in your life where you should be crossing off each place on your bucket list. Create a list of all the places you wish to see. 2.) Do you want to remain in the community where you live now or move somewhere else? For...
3 Common Annuity Mistakes That Could Cost You Thousands
1. Investing too much money Annuities are a great source of lifetime income, but sometimes they can be rigid. Immediate annuities generally pay out a lot more than interest on CDs and other fixed investments-for example, a 65-year-old man who invests $100,000 in an...
Is My 401(k) Enough for Retirement?
One of the most exciting investment tips we’ve heard in recent years has to do with the 401(k) retirement savings. According to the National Millionaire Study, eight in 10 millionaires say their 401(k) is the best way to build an investment and to build wealth in...
How can I get a bigger tax refund in Retirement?
It’s that time of the year when many taxpayers think about paying their taxes to get their tax refund. Last year, nearly 75% of taxpayers received tax refunds, and the average direct tax return was nearly $3,000 during the last tax season. Now you may be wondering if...
3 Social Security Mistakes That Could Cost You a Fortune
1) Work at Least the Full 35 Years. The Social Security Administration (SSA) calculates the amount of benefit based on your lifetime earnings. The SSA adjusts your income to take into account changes in average earnings over the years you have received income. 2)...
How To Choose An Annuity
How To Choose An AnnuityThere are many annuity options to choose from, and how to choose an annuity that right for your financial goals can be difficult. When your researching how to choose an annuity there are many factors you must take into consideration. The...
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4701 Teller Ave
Newport Beach, CA 92660
Office: 800.460.1595
Fax: 928.237.3399
Email: Info@miramontescapital.com
Miramontes Capital is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Miramontes Capital and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Miramontes Capital unless a client service agreement is in place.
Securities offered through Balanced Security Planning, Member FINRA/SIPC, Headquartered at 4701 Teller Ave, Newport Beach, CA,92660. Miramontes Capital, LLC and Balanced Security Planning, Inc. are separate companies affiliated through common control. NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.