Term life insurance is one of the most widely recommended ways to protect your family’s financial future — but not all term policies are created equal. In a recent video, Certified Financial Planner™ and licensed attorney Diane Robin Johnson breaks down two serious risks that many policyholders overlook — with practical guidance on what to watch for.

What is the California homestead exemption? Think of it as a shield for your home equity. It's a legal provision that protects the equity in your primary residents from creditors. So we're talking about the equity here, not your loan amount. In 2025, the protection is up to $722,000 of your equity is protected depending on your county's median home price. So for example, if the median home price in your county is $650,000, then that's your exemption amount, 650,000.

Beyonce and Jay Z recently acquired this $200 million residence in Malibu, paying entirely in cash. Even for this affluent duo, possessing $200 million in ready cash might be a daunting task. It is speculated that they accumulated the necessary funds through a specific method, which can be emulated on a smaller scale.

Very early in my career I worked as a financial advisor for the employees of a domestic violence center in Oakland. An employee would come out and lead me past the chain link fence, the barbed wired, and all the locks to get into the facility. I would enroll the ladies who worked there up for the retirement plan.

Which dollar invested reduces the taxes of a business owner the most?..................

Money invested in a profit-sharing plan! Why? No federal income taxes, no state income taxes, AND no self-employment taxes (Social Security and Medicare).

The savings could be as high as:

37% (federal tax savings) + 12.3% (California tax savings) +2.9% (Medicare tax savings) +.9% (Medicare tax savings for those making over $200,000) = Total tax savings 53.1%.

If you are a business owner that is paying to much in taxes, reach out to us today!