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.
Donor Advised Funds (DAFs) are changing the landscape of philanthropic giving. Think of them as charitable investment accounts. You contribute cash, stocks, or even more complex assets to a DAF and receive an immediate tax deduction. These funds can then grow tax-free, and you have the flexibility to recommend grants to your favorite charities over …
Introduction to Market Volatility Market volatility, the tendency of stock prices to fluctuate over time, is an inherent part of investing. While periods of low volatility may create a sense of calm, it’s important to remember that markets can change direction quickly and unpredictably. Understanding the potential risks of market volatility is crucial for making …
How good are you at predicting the market? Picture this: The Wall Street Journal hosts an exclusive contest for its valued subscribers. Each participant is presented with a collection of 100 captivating photos featuring an array of men and women. The challenge? Select the six individuals deemed most attractive. The subscriber whose choices align with …
When you receive your tax refund, the best thing you can do is put it to good use. There are a number of ways to make permanent improvements to your finances with your tax refund, but three of the best uses are contributing to your emergency fund, saving for retirement, and paying down high-interest debt. …
Can You Really Time the Stock Market? Buying stocks at their lowest and selling at their peak may seem enticing. Mastering market timing could yield substantial profits quickly. However, the reality is challenging: Timing the stock market successfully is tough. For most investors, it’s a strategy that’s more likely to harm your portfolio than enhance …
Should I Sell My Stocks Now? The stock market is inherently volatile, with prices fluctuating daily. During periods of significant downturn or uncertainty, the question of “Should I sell my investments now?” inevitably surfaces for many investors. It’s a complex question with no simple answer, as the best decision depends on your individual financial situation, …
When it comes to saving for retirement, there are many options to choose from. But what is the best order to save in? Should you prioritize your 401(k) or an IRA? Should you consider contributing to taxable accounts? What if you have debt, does that change the calculus? It can be difficult to determine the …
When it comes to retirement planning, one of the most important decisions you will make is how to allocate your assets. Different types of investments are taxed differently, so it’s important to understand the tax implications of each choice you make. Many studies have shown that asset location can have a significant impact on your …
Maintaining a well-balanced investment portfolio is like navigating a ship. You set a course (your desired asset allocation), monitor the winds and currents (market fluctuations), and periodically adjust your sails (rebalance your assets) to stay on track towards your financial destination. Portfolio rebalancing simply means buying and selling investments to return your portfolio to its …
At some point, it’s likely that you will have this question: should you manage your investments yourself or should you hire a professional to help? Since I am an investment manager, you can probably guess my bias, but I do believe that working with a professional financial advisor is best choice for most people. However, …
