Einstök Wealth Management
A fee-only Orange County California Registered Investment Advisor. As a fiduciary financial advisor, we offer investment management, tax planning, and retirement solutions.
A solid financial plan is like having a GPS for your financial life. It helps you navigate toward your goals – whether that’s a comfortable retirement, buying a home, or simply gaining peace of mind about money matters. But what exactly goes into a complete financial plan? What are the essential components you shouldn’t overlook? …
A Roth IRA (Individual Retirement Account) is a powerful retirement savings tool that offers unique tax advantages. Unlike a Traditional IRA, where contributions may be tax-deductible, Roth IRA contributions are made with after-tax dollars. This means you pay taxes on the money you put in now, but in return, your investment earnings grow tax-free. Later, …
The stock market’s recent performance has been impressive, but it’s also sparked a familiar question: Are we in a stock market bubble? A bubble occurs when asset prices become dramatically inflated beyond their intrinsic value, driven by speculation and over-enthusiasm. When the bubble inevitably bursts, the results can be devastating for investors. History is littered …
A Health Savings Account (HSA), can be a great way to save for retirement beyond the typical retirement accounts. HSAs offer several tax benefits that can make them a powerful tool for long-term savings. In this article, we’ll discuss the benefits of HSAs and how you can determine if an HSA is right for you. …
Key Takeaways What is a Partial Roth Conversion? A partial Roth conversion is a powerful financial strategy that allows you to shift a portion of your traditional IRA or pre-tax employer-sponsored retirement plan (like a 401(k)) into a Roth IRA. Unlike a traditional IRA, where your contributions are often tax-deductible and withdrawals are taxed in …
Inflation, the steady rise in prices for everyday goods and services, has been making headlines lately. While inflation is a normal economic fluctuation, sustained high inflation can be a real concern for retirees and those approaching retirement. Your nest egg, carefully built over decades, suddenly has less buying power. Fixed income sources like pensions and …
Investors often overlook the importance of cash in their portfolio. On the one hand, some people error on the side of having too much cash. Due to the effects of inflation, cash actually loses its value over time (its called a loss of purchasing power). On the other hand, some people error on the side …
The Essential Guide to Setting Up an Emergency Fund for Financial Security Life can be unpredictable. One minute you’re sailing smoothly, the next an unexpected expense throws your budget overboard. That’s where an emergency fund comes in – your financial safety net that catches you when life throws those curveballs. An emergency fund is a …
Fiduciary financial advisors are not salespeople; they are required by law to work in your best interest at all times. How can you know the difference between a financial advisor and a financial consultant or a wealth manager? How does a financial planner differ from a registered representative or an investment advisor representative? What is …
A groundbreaking paper published in 1986 found that asset allocation is not only important but also the primary factor driving a portfolio’s return. Interestingly, the meticulous selection of individual investments within the portfolio and the timing of market entry are found to be comparatively less influential. The magnitude of the disparity discovered in their study is truly …
