Blog

Ever wonder what's on our mind at Bair Financial Planning? Check out these articles written by our team members on a variety of financial topics.

Monday, June 5, 2023

As a lesbian who spent the past eight years living in Malaysia, this year’s pride month holds special significance for me. This year marks my first celebration of Pride as a resident back in California, where I have the freedom...

Monday, June 5, 2023

Stocks surged higher in the closing days of a holiday-shortened trading week, ignited by a political resolution on raising the debt ceiling and a strong employment report.The Dow Jones Industrial Average rose 2.02%, while the Standard...

Monday, June 5, 2023

Generating rental income can be an excellent way to earn passive income, while offsetting some of your expenses! Here are a few key considerations to keep in mind when renting your house:Research the MarketResearch rental rates for...

Tuesday, May 30, 2023

Markets moved in sync last week with perceived movement in debt ceiling talks, weakening early in the week and then surging on news of progress. A solid quarterly report and guidance from a mega-cap technology company helped with...

Monday, May 22, 2023

Stocks rallied last week, propelled by growing optimism over reaching a deal on raising the debt ceiling and avoiding a technical debt default by the U.S.The Dow Jones Industrial Average edged 0.38% higher, while the Standard &...

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Wednesday, May 17, 2023

Hi there! My name is Kathleen Talamayan, and I feel grateful for the opportunity to share a bit about my heritage and what it means to me as we celebrate AAPI (Asian American and Pacific Islander) month.I was born in the Philippines...

Monday, May 15, 2023

Stocks were mixed last week as good inflation news was offset by mounting debt ceiling concerns and rekindled regional banking fears.The Dow Jones Industrial Average lost 1.11%, while the Standard & Poor’s 500 slipped 0.29%. The...

Friday, May 12, 2023

Spring is often thought of as an uplifting time, marked by growth and renewed hope as we emerge from the long months of winter and look ahead to the rest of year. Investors saw signs of such renewed hope in recent weeks, especially on...

Monday, May 8, 2023

A Friday rebound, triggered by a big tech company’s earnings beat and a strong jobs report, shaved much of the week’s accumulated losses.The Dow Jones Industrial Average fell 1.24%, while the Standard & Poor’s 500...

Monday, May 1, 2023

 Life is full of many exciting firsts. Your first steps, your first car, your first love, your first job, and now your first home! You’ve made it to what most would call “living the American dream,” but now what?...

Monday, May 1, 2023

Strong earnings from several mega-cap technology companies offset renewed regional banking jitters and weak economic data, leaving stocks higher for the week.The Dow Jones Industrial Average gained 0.86%, while the Standard &...

Monday, April 24, 2023

Stocks remained resilient last week amid mixed earnings reports, hawkish Fed-speak, and lingering recession fears, closing out the five trading days with small losses.The Dow Jones Industrial Average slipped 0.23%, while the Standard &...

Monday, April 17, 2023

The combination of an improving inflation outlook resulted in a week of uneven, albeit positive, performance, in which cyclical and financial stocks rallied while technology, real estate, and utilities lagged. The Dow Jones...

Wednesday, April 12, 2023

The financial markets’ resilient performance during March was striking, despite pockets of uncertainty surrounding the strength of the economy—and not to mention concerns over the durability of the banking system. The...

Monday, April 10, 2023

Stocks ended a shortened week of trading mixed amid revived recession fears on Wall Street triggered by weak economic data.The Dow Jones Industrial Average gained 0.63%, while the Standard & Poor’s 500 slipped 0.10%. The Nasdaq...

Monday, April 3, 2023

Stocks rallied last week on receding fears of a widening banking crisis, led by resurging investor interest in technology and communication services names.The Dow Jones Industrial Average gained 3.22%, while the Standard & Poor’s...

Friday, March 31, 2023

Have you ever purchased your first home or opened a taxable account and got hit with the question “how would you like to hold title to this”? Most people just look confused like a deer in headlights! With so many different...

Monday, March 27, 2023

Modest gains in major market indices masked sharp volatility amid the uncertainty arising from mixed messages emanating from public officials and revived banking fears. The Dow Jones Industrial Average gained 1.18%, while the Standard...

Monday, March 20, 2023

Amid the reverberations of two U.S. banks being taken over by regulators and the spread of uncertainty to European banks, stocks trended higher last week on the strength of the technology sector.The Dow Jones Industrial Average was...

Tuesday, March 14, 2023

In light of SVB Financial (SIVB) being shuttered by regulators on Friday, market volatility has increased due to concerns of depositor’s ability to get their money from banks. This concern has impacted the stock prices of not...

Tuesday, March 14, 2023

Financial markets were shaken last week as Silicon Valley Bank (SVB), the California bank subsidiary of SVB Financial Group (SIVB), fell into FDIC receivership. SVB is the first FDIC-insured institution to fail since 2020 and the...

Monday, March 13, 2023

Stocks tumbled last week as investors reconsidered their interest rate expectations after Fed Chair Powell’s Congressional testimony that rates may need to go higher. Stocks also were rattled when a west coast bank was placed...

Monday, March 6, 2023

A late-week surge, triggered by reassuring Fed-speak, propelled stocks higher last week.The Dow Jones Industrial Average gained 1.75%, while the Standard & Poor’s 500 advanced 1.90%. The Nasdaq Composite index picked up 2.58% for...

Wednesday, March 1, 2023

March 1, 2023A budget is a tool for allocating your income; budgeting can be helpful in meeting short and long-term goalsGet started by determining after-tax income and how income can be allocatedTrack spending and savings on an...

Monday, February 27, 2023

Concerns over a firmer monetary policy were heightened by fresh economic data, touching off a climb in bond yields and a slide in stock prices last week.The Dow Jones Industrial Average skidded 2.99%, while the Standard & Poor’s...

Wednesday, February 22, 2023

The Facts About the Federal Income TaxThe tax code has grown... a lot. 272: the number of words in the Gettysburg Address. 1337: the number of words in the Declaration of Independence. 9337: the number of words in the first tax law,...

Tuesday, February 21, 2023

Growing concerns about further interest rate hikes, prompted by fresh economic data, reversed early-week gains and left stocks mixed for the week.The Dow Jones Industrial Average slipped 0.13%, while the Standard & Poor’s 500...

Monday, February 13, 2023

Stocks drifted lower as a week of mixed earnings reports and resurgent worries over Fed monetary policy dragged on investor sentiment. The Dow Jones Industrial Average slipped 0.17%, while the Standard & Poor’s 500 declined...

Monday, February 6, 2023

Stocks were mixed last week following better-than-expected corporate reports and increasing optimism over a slowdown in interest rates.The Dow Jones Industrial Average edged lower, slipping -0.15%. The Standard & Poor’s 500 rose...

Thursday, February 2, 2023

As part of the Consolidated Appropriations Act of 2023, the SECURE 2.0 Act of 2022 (Secure 2.0) was enacted on  December 29, 2022. Secure 2.0 continues to modify and expand upon provisions included in the original Secure  Act...

Wednesday, February 1, 2023

Whether you’re one to set ambitious New Year’s resolutions or simply use the beginning of the year to reset on a few habits, there’s almost always some value in reflecting on the past year before looking ahead. The...

Monday, January 30, 2023

Stocks added to their early 2023 gains amid a busy stream of mixed corporate earnings results and conflicting economic data.The Dow Jones Industrial Average gained 1.81%, while the Standard & Poor’s 500 added 2.47%. The Nasdaq...

Monday, January 23, 2023

Stocks showed mixed results last week as recession fears resurfaced in response to weak economic data and a tepid start to a new corporate earnings season.  The Dow Jones Industrial Average skidded 2.70%, while the Standard &...

Tuesday, January 17, 2023

Stocks rallied last week thanks to fresh confirmation of inflation’s cooling trend and growing optimism that an inflation slowdown may provide the Fed with space to ease up on future rate hikes.The Dow Jones Industrial Average...

Monday, January 9, 2023

We wish you a happy New Year and hope you were able to close out 2022 with friends and family.The beginning of a calendar year is often the time when the previous year’s reflections transition to a new year’s hopes. Given...

Monday, January 9, 2023

A strong Friday rally triggered by fresh signs of moderating inflation pushed stocks into positive territory to begin the new year. The Dow Jones Industrial Average rose 1.46%, while the Standard & Poor’s 500 advanced 1.45%....

Friday, January 6, 2023

Congress recently enacted landmark retirement legislation known as secure 2.0 that will incentivize individuals to save for retirement, while increasing access to workplace plans. The new law includes a number of provisions intended to...

Tuesday, January 3, 2023

In a holiday-shortened week, erratic trading left stocks marginally down for the week.The Dow Jones Industrial Average lost 0.17%, while the Standard & Poor’s 500 slipped 0.14%. The Nasdaq Composite index fell 0.30%. The MSCI...

Tuesday, December 20, 2022

Hawkish comments by the Fed and weak economic data heightened investors’ recession concerns and sent stocks lower last week.The Dow Jones Industrial Average lost 1.66%, while the Standard & Poor’s 500 retreated 2.08%. The...

Monday, December 12, 2022

Recession fears and concerns that the Fed may consider a longer rate-hike cycle sent stocks lower for the week.The Dow Jones Industrial Average dropped 2.77%, while the Standard & Poor’s 500 fell 3.37%. The Nasdaq Composite index...

Friday, December 9, 2022

December 9, 2022Through all the challenges, newfound opportunities, and every high and low we’ve experienced during the last couple of years, it’s no surprise why we might be striving for more balance. Whether it’s...

Monday, December 5, 2022

Stocks ended higher last week as investors navigated the crosscurrents of a potential easing in future rate hikes and continued strength in the labor market.The Dow Jones Industrial Average edged 0.24% higher, while the Standard &...

Monday, November 28, 2022

Growing optimism that the Fed may be ready to ease future interest rate hikes sent stocks higher in a quiet trading week.The Dow Jones Industrial Average gained 1.78%, while the Standard & Poor’s 500 added 1.53%. The Nasdaq...

Monday, November 21, 2022

The stock market edged lower last week as it digested a crosscurrent of conflicting economic data and contrasting comments from Fed officials.The Dow Jones Industrial Average was flat (-0.01%), while the Standard & Poor’s 500...

Monday, November 14, 2022

A cooling inflation number ignited a powerful rally on Thursday, sending stocks to strong gains for the week.The Dow Jones Industrial Average gained 4.15%, while the Standard & Poor’s 500 added 5.90%. The Nasdaq Composite index...

Tuesday, November 8, 2022

The midterm elections are underway. In many states, ballots have been delivered and, in several cases, already returned by Americans exercising one of the most sacred of their Constitutional rights.Election Day is always the Tuesday...

Monday, November 7, 2022

Hawkish comments by Fed Chair Jerome Powell, following the announcement of another 75 basis points interest rate hike last week, cast a pall over financial markets, sending yields higher and stocks lower.The Dow Jones Industrial...

Wednesday, November 2, 2022

Top Tax Planning Considerations for 2022With another year end on the horizon, there are still a few more critical months to make some money moves and consider integrating tax planning into your overall financial strategy!Keep in mind...

Tuesday, November 1, 2022

I was raised in Tijuana Mexico until I was 10, I started 5th grade here in the US without knowing the language and was 100% bilingual in Spanish and English by the 7th grade.I eventually became my parents’ first kid (out of 6) to...

Tuesday, November 1, 2022

My dad crossed the border when he was 16 years for a better life.  My mom was raised in Mexico until she was 10 and came to the US for schooling.My sister and I taught my dad how to read, speak and write English. My dad dreamed of...

Monday, October 31, 2022

Stocks overcame poor earnings results from some of America’s largest companies to post gains last week as investors cheered positive earnings surprises, easing inflation and a rebound in economic growth.The Dow Jones Industrial...

Monday, October 24, 2022

A positive start to a new earnings season and late-week hopes for a near-term easing in Fed rate hikes lifted investors’ spirits and powered stocks to gains for the week.The Dow Jones Industrial Average jumped 4.89%, while the...

Thursday, October 20, 2022

What Is Federal Student Loan Debt Relief?It’s a program that provides eligible borrowers with full or partial discharge of loans upto $20,000 to Federal Pell Grant recipients and up to $10,000 to non-Pell Grant recipients.Who...

Monday, October 17, 2022

Stocks were mixed last week amid wide intra- and inter-day price swings, as technology shares bore the brunt of the downdraft.The Dow Jones Industrial Average gained 1.15% for the week. Meanwhile, the Standard & Poor’s 500...

Monday, October 17, 2022

The White House recently forgave up to $10,000 to student loan borrowers as part of a larger debt forgiveness program. There are still quite a few questions to be answered, but here are some key points to know.Pell vs. non-Pell: Loan...

Wednesday, October 12, 2022

Social Security: Myth Busters EditionNo matter how many times some myths are debunked, we may still believe them. For example, cracking your knuckles causes arthritis(still possibly annoying but not true), humans swallow eight spiders...

Friday, October 7, 2022

With inflation hovering near 40-year highs, some investors are looking for alternative ways to weather the storm. For many, a Series I Savings Bond is just the ticket. I Bonds give investors a rate of return plus inflation protection...

Wednesday, October 5, 2022

October 5, 2022First, we want to acknowledge the tremendous damage and displacement caused by Hurricane Ian. Our thoughts are with those impacted by this devastating storm.This has clearly been a challenging year for households. Stocks...

Wednesday, September 28, 2022

September 28, 2022In the last several weeks, we have continued to face elevated uncertainty in financial markets due to high inflation and rising interest rates, and we thought it was an important time to take stock with the final...

Wednesday, September 7, 2022

September 7, 2022When it comes to stock market performance, August was “the best of times, and the worst of times.” The strong market rally that peaked in mid-August was viewed by many analysts as a transition from a bear...

Wednesday, August 3, 2022

Last week was epic for market-watchers. A Federal Reserve (Fed) rate hike, a much-anticipated gross domestic product (GDP) report, and the busiest week of earnings season got most of the headlines. There was even a surprise out of...

Tuesday, July 12, 2022

Markets rarely give us clear skies, and there are always threats to watch for on the horizon. But the right preparation, context, and support can help us navigate what lies ahead. So far, this year hasn’t seen a full-blown crisis...

Wednesday, July 6, 2022

As the calendar has turned to July, investors would certainly like to forget the first six months of 2022. However, the Fourth of July Independence Day holiday does bring with it reason for celebration. Not only is it the 246th...

Tuesday, June 14, 2022

A bear market is officially here thanks largely to stubbornly high inflation. For many of us, it has probably felt like a bear market for a while now, but the S&P 500 Index didn’t close more than 20% below its January 3 record...

Wednesday, June 1, 2022

The bull market that began in March of 2020 came dangerously close to an end. From March 23, 2020 through January 3, 2022, the S&P 500 Index gained 114% (excluding dividends). From that January 3 closing high through the recent low on...

Wednesday, May 11, 2022

2022 has been a challenging year for investors so far. The S&P 500 Index just had one of its worst Aprils in decades, and May is off to a rocky start. Bond investors have not fared much better as rising interest rates have pushed down...

Wednesday, May 4, 2022

As we move into spring and leave behind the last signs of a long winter, many worries from a chilly start to the year for markets, unfortunately, are still with us. The S&P 500 Index had its worst April in more than 40 years, leaving...

Monday, May 2, 2022

Thursday, April 28, 2022

It has been a turbulent 2022 so far for investors. The S&P 500 Index is on track for its worst April in more than 40 years, the Nasdaq entered a bear market on April 26 with its more than 20% decline, and bonds, which typically provide...

Thursday, April 7, 2022

“Bull markets are born on pessimism, grown on skepticism, mature on optimism, and die on euphoria.” - Sir John TempletonAccording to the guidance of revered investor Sir John Templeton, it appears to us that this market may...

Thursday, March 3, 2022

The green shoots are hard to see right now as spring approaches, clouded by war in Ukraine. Democracy is under attack and innocent lives are tragically being lost. But while we keep one eye on overseas developments, the other remains...

Thursday, February 24, 2022

Stocks have gotten off to a very rocky start in 2022, with the potential for Federal Reserve rate hikes coming and the geopolitical worries over Russia and Ukraine only adding to the uncertainty. We don’t want to minimize the...

Thursday, February 3, 2022

The calendar had barely flipped to 2022 and investors were reminded that even attractive long-term stock returns come with a cost: volatility. The S&P 500 Index fell nearly 10% from January 3 through January 27 amid fears that the...

Tuesday, January 25, 2022

Monday, January 24, 2022

We think the most important thing to remember is that periodic stock market volatility is entirely normal. Historically, the S&P 500 Index has averaged three pullbacks of 5% or more per year and one correction of more than 10% annually...

Thursday, January 6, 2022

With the New Year comes new beginnings, new goals, new challenges, new friendships, and new opportunities. 2021 was an incredible year for the economy and investors, but to us the future remains bright for 2022 and beyond.Let’s...

Wednesday, November 10, 2021

November 4, 2021 Valued Investor: The past year and a half have tested all of us, but overall, the economy continues to strengthen, COVID-19 trends are greatly improving, and this still relatively young bull market is alive and well....

Wednesday, October 20, 2021

Investing as a Married Couple

Thursday, October 7, 2021

October 7, 2021 Bair Financial Planning Community: One constant in life is change. During the past year and a half, we have experienced more change than any of us bargained for. Change is disruptive—but also brings opportunities....

Monday, September 20, 2021

Most people are familiar with acronyms like CEO or CPA, but what about CFP®? CFP® stands for Certified Financial Planner. This unique certification is earned only by professionals who have attained a standard of excellence in...

Friday, September 3, 2021

September 2, 2021 Dear Valued Investor: The bull market continues, with the S&P 500 Index now up seven months in a row. Stocks have impressively gained 20% year-to-date, with the S&P 500 making 53 new all-time highs before the end of...

Friday, September 3, 2021

How to Make Your Marriage More Financially Equal Whether you’re newlyweds or not, your marriage can only benefit from a better balance that eases the stress on both of you. But be ready to talk — “we” statements...

Thursday, September 2, 2021

Annual Celebration is coming up quick! 🥂 Thursday, September 23rd! If you haven't already, please RSVP to: leah@bairfinancialplanning.com We look forward to seeing everyone

Wednesday, August 18, 2021

RSVP TODAY! Please join us for our annual Celebration! This is a fun outdoor event with food and drinks to celebrate YOU - our clients and business partners. You're welcome to bring your children & any other guest you wish....

Monday, August 2, 2021

More hands to serve you! We've recently added another new team member, Leah Cosentino. Leah joins us as a Client Services Associate that will be headquartered out of Las Vegas. We will share more about Leah in a future video. Save the...

Wednesday, July 14, 2021

Financial independence. We all know we want it, but what exactly does it mean? And how do we achieve it? “The truth is, financial independence can look different for every person,” explains Victor Orozco, Managing Partner...

Thursday, July 1, 2021

We hope you all had a wonderful Independence Day and 4th of July holiday. This month we will be hosting our annual Pride in Business Networking Mixer on July 14th. We are looking forward to seeing you in person! The event will be on...

Thursday, June 3, 2021

Tuesday, June 1, 2021

The band is back together 😎 🎸 🤘🏽 (in person)! Lots of excitement as we start opening back up. We talk office return, client appreciation event (save the date for September 23rd), and tax planning. What new things have you been up...

Sunday, May 2, 2021

May is full of Celebrations! 🎉 Mother's Day 🌷 Memorial Day 🦅 Graduations 🎓 and Asian American Pacific Islander Heritage Month 🌏 Questions around the new proposed tax laws? Let's work with your tax professional and see what...

Saturday, May 1, 2021

Life is full of many exciting firsts. Your first steps, your first car, your first love, your first job, and now your first home! You’ve made it to what most would call “living the American dream,” but now what? Since...

Monday, April 26, 2021

A note from Victor about the annual rebalancing of your investment portfolios. You will receive notifications of the investment trades associated with the reallocation and rebalancing of your investment portfolio. Need help going...

Thursday, April 1, 2021

Happy Spring from Bair Financial Planning! Do you know a soon to be college graduate? Are they looking for ideas around their first job? Tax Deadline this year moved to May 17th, you still have time to set up and/or contribute to an...

Monday, March 1, 2021

Coronavirus is turning a positive corner and things ar looking up! Staying positive in month three of 2021. It's tax season and it's important to work with your CPA and us to know if you can contribute any more to your IRA this year,...

Wednesday, February 10, 2021

Why Bulls Will Like The Year Of The Ox Posted by lplresearch Market Blog Wednesday, February 10, 2021 “Bulls make money, bears make money, and pigs get slaughtered.” Old Wall Street saying. The Chinese New Year (often...

Wednesday, February 10, 2021

California State Retirement Plan Did you know that California has a state-mandated retirement plan called CalSavers? It is a state-run Roth (after tax) IRA program for private sector workers that will automatically enroll employees at...

Monday, February 1, 2021

Having Kids? Financial Items to ConsiderFebruary 1, 2020 You found the spouse of your dreams and got married. So now what?! For some, the next step is to have kids. While having children can be the greatest gift ever received, it is...

Monday, February 1, 2021

You never know what life is going to bring you. We are here to help you out, whatever life throws your way. This month is Black History Month. We still have a long way to go in racial equality and this month we are going to highlight...

Tuesday, January 12, 2021

Dear Valued Investor: Happy New Year! A new year offers a welcomed turn of the calendar and a fresh start. However, it’s difficult to put 2020 completely behind us just yet because the COVID-19 pandemic still presents a...

Friday, January 1, 2021

Happy New Year! Welcome 2021! This past year was quite challenging for many people. Parents becoming teachers, changing life plans, quarantine struggles, and financial difficulties, we were all in this year together in our own...

Friday, January 1, 2021

One of my all-time favorite movies is Mel Brooks’ classic 1980’s Star Wars inspired spoof: “Spaceballs.” Other than being hilarious,it can teach us some life lessons. For example, never underestimate the power...

Tuesday, December 22, 2020

Tuesday, December 1, 2020

The new year can come with new policies. As we shift to new administrations and Congressional compositions – there can be potential changes to financial planning strategies. We will keep you posted when and if changes are made....

Tuesday, December 1, 2020

How is it that time of year already?! Time goes by fast, and so can your money during this time of year! The holiday season always makes me think of the classic movie “Home Alone.” Kevin McCallister was accidentally left...

Thursday, November 5, 2020

Dear Bair Financial Planning Community, The American people have voted, casting a record number of ballots under extraordinary circumstances, which is a testament to the enduring resilience of our democracy. Determining the outcome of...

Sunday, November 1, 2020

A huge THANK YOU to our clients for sticking this year out with us through all of the new technology and virtual meetings we've had. It has been a rough year for everyone and you all have been troopers! Veteran's Day is this month and...

Friday, October 2, 2020

October 2, 2020 Autumn has arrived, with students back in school, baseball playoffs beginning, and football in full swing. Life is trying to get back to as normal as possible despite the ongoing impact from COVID-19. While the number...

Thursday, October 1, 2020

One month closer to the end of 2020! That's something to celebrate, right? As many of us Californian's know, October is part fire season. Make sure your important documents are uploaded digitally to your eMoney Vault website or...

Thursday, October 1, 2020

Credit Cards: Which Credit Card is Right for You? October 1, 2020 Credit cards are kind of like chainsaws. When used properly they can be extremely helpful tools, but if they are used improperly, they have the ability create a...

Wednesday, September 9, 2020

Budgeting: The Nose Game - A budget is a tool for allocating your income; budgeting can be helpful in meeting short and long-term goals - Get started by determining after-tax income and how income can be allocated - Track spending and...

Thursday, September 3, 2020

September 3, 2020 Back to school this year will be different. On the one hand, like other years, it marks the end of summer, the arrival of cooler weather, kids hitting the books again, and Labor Day gatherings. But unlike other years,...

Tuesday, September 1, 2020

Monthly Update - September 2020 We have received many questions about how the upcoming elections that may affect your investment portfolio. 🗳️ We can address some of those questions and more importantly, talk about your personal...

Thursday, August 6, 2020

August 6, 2020 The battle versus COVID-19 continues. The spread in some of the recent hotspots like California and Florida is slowing, while states in the Northeast and Midwest are now experiencing increases in cases. According to the...

Saturday, August 1, 2020

There is a lot to cover! 1...2...3...GO! We wanted to reflect on some of the events that we missed this summer that normally grace San Diego with fun times and many memories. This year Pride and some of the other events have been...

Saturday, August 1, 2020

No matter how many times some myths are debunked, we may still believe them. For example, cracking your knuckles causes arthritis (still possibly annoying but not true), humans swallow eight spiders a year in their sleep (gross and...

Tuesday, July 14, 2020

July 14, 2020 We are at the midpoint of 2020, and it would be an understatement to say it’s been a challenging year so far in the United States and around the world. We’ve faced health, social, and economic crises that...

Wednesday, July 1, 2020

🎆🎇Happy July 2020!🎇🎆 We are optimistic for the second half of the year in both health, understanding, and ability to learn. 🙏 Normally, July in San Diego would mean celebrating Pride with our amazing parade and festival, but due...

Wednesday, July 1, 2020

It’s supposed to be the happiest time of your life! You just got engaged and are now planning your dream wedding. No one wants to come off that high to have that awkward talk about their finances. BUT YOU NEED TO!! Did you know...

Wednesday, July 1, 2020

The July Fourth holiday will be very different this year. Although it’s a time to enjoy family and friends, and maybe even watch some fireworks, social distancing and a new wave of COVID-19 cases also may take a seat at the...

Tuesday, June 30, 2020

June 30, 2020 The July Fourth holiday will be very different this year. Although it’s a time to enjoy family and friends, and maybe even watch some fireworks, social distancing and a new wave of COVID-19 cases also may take a...

Thursday, June 4, 2020

June 4, 2020 As we look ahead to the summer months, we can’t help but think what a challenging year it’s been so far. At the same time, we’re encouraged by the resiliency and accelerated innovation among US businesses...

Monday, June 1, 2020

Bair Financial Planning is standing in solidarity with our community and clients during these troubling and tough times. We hope that our new normal is a better normal -- in equality, health, and humanity. #June is #NationalPrideMonth...

Monday, June 1, 2020

Summary: • Compound interest is interest earned on interest• Compound interest is interest earned on interest • Compound interest may play an important role in meeting long term goals • Time is an important...

Thursday, May 21, 2020

May 21, 2020 “Never confuse a single defeat with a final defeat.” — F. Scott Fitzgerald The economic struggles in our country are among the worst we’ve ever seen. In April, a record 20 million people lost their...

Friday, May 1, 2020

April Showers Bring May Flowers! Happy May to all of our friends that have taken up excessive amounts of gardening in recent weeks... 🌼🌳🌻 Bair Financial Planning is still working from home, but we are together in spirit! We wish...

Friday, April 24, 2020

“Life is 10% what happens to you and 90% how you respond to it.” — Lou Holtz, Hall of Fame football coach As the battle against the COVID-19 pandemic continues, how we respond to it will determine how we beat it....

Monday, April 13, 2020

Key Provisions in the CARES Act and Financial Planning Implications On March 27th, the CARES act was signed into law to provide relief for individuals and businesses that are being impacted by the coronavirus pandemic. This $2.2...

Thursday, April 2, 2020

April 2, 2020 H “Every decade or so, dark clouds will fill the economic skies, and they will briefly rain gold. When downpours of that sort occur, reach for a bucket.” —Warren Buffett H The battle with COVID-19 rages...

Wednesday, April 1, 2020

We are all staying healthy and safe, and we hope you are too! Bair Financial Planning is virtual now and the team is working remotely. We are still open and available to help you with any questions you may have. Below is our contact...

Wednesday, April 1, 2020

As I write this blog post from home while “social distancing,” the world is in the throes of the coronavirus COVID-19 pandemic. Stock markets are crashing. Well-laid-out plans years in the making are changing (my own...

Friday, March 13, 2020

March 13, 2020 Bair Financial Planning Family, We want to share information about the steps we’ve taken to minimize any potential impact to our clients as a result of the Coronavirus (COVID-19) situation and maximize our efforts...

Sunday, March 1, 2020

🎉 Victor will be back in the office! 🎉 Victor will be doing limited work until he gets brought back up to speed, but we are grateful to have him back with us! 🙏 We also remind you to book your strategic annual meeting with Marci...

Saturday, February 1, 2020

HELLO February! It is time to schedule your annual strategic planning meeting! 🗓️ Victor is still on paternity leave and will return in March just in time to meet with you along with Marci! You will find links below to both Marci and...

Thursday, January 2, 2020

January 2, 2020 Dear Bair Financial Planning Family and Friends, Happy New Year! What a difference a year makes. One year ago the stock market was plunging and came perilously close to ending what has become the longest bull market...

Wednesday, January 1, 2020

🎉Happy New Year!!🎉 This year we are starting off by introducing our newest member of the Bair Financial family, Miss Mila Rae Orozco!🥳 If you have not seen the Facebook, Welcome Email, or Twitter post, you should check them out,...

Sunday, December 1, 2019

🎉Have a very merry December!🎉 We are wishing you a happy holiday season! The Orozco's have been really good this year and are getting baby#2 for Christmas! 🎄🎁🎅🤶 Victor will be on paternity leave from December 1 to March 1. Thank...

Friday, November 15, 2019

Weekly Market Commentary November 15, 2019 The Markets Last week, major United States stock indices finished at historic highs. According to a source cited by Barron’s, U.S. stock markets are responsible for creating $6 trillion...

Friday, November 1, 2019

Monday, October 7, 2019

How much social security income will you receive? View our Social Security Benefit Facts to answer some of your most common questions: Social Security Retirement Benefit Basics If you have more questions, you can contact us for a...

Sunday, October 6, 2019

October 6, 2019 Dear Valued Investor: Summer has turned to fall, and there’s already a little chill in the air. Three-quarters of the year is behind us now, and both stock and bond markets have had a strong year so far, although...

Thursday, October 3, 2019

Market BlogOctober 02, 2019 Just like that, the S&P 500 Index fell more than 1% on the first day of October. The rough start has many investors on edge, as October is known for spectacular crashes—specifically 1929, 1987, and...

Tuesday, October 1, 2019

🍂🍁Hello fall, and hello October! 🍂🍁 Things are happening at Bair Financial Planning! 😃 If you missed our Client Appreciation Event last week, don't fret! We hold the event each year for you so we hope to see you in 2020! 🎉 We...

Friday, September 13, 2019

September 13, will be the first Friday the 13th since July 2018. For most people, this is just another day, unless you suffer from triskaidekaphobia—the fear of the number 13. A fear of the actual day of Friday the 13th is called...

Wednesday, September 4, 2019

The Dog Days of Summer were on full display this past month, as a variety of concerns pushed stocks and bond yields lower. After reaching new record highs in late July, the S&P 500 Index dropped approximately 1.8% in August as trade...

Sunday, September 1, 2019

Welcome September! 🎉Back to school 📝, back to football season 🏈, and welcome back to the annual Bair Financial Planning Client Appreciation Event! 🎉🥳 Our Client Appreciation Event is being held at the Stone Brewery at Liberty...

Wednesday, August 14, 2019

I recently met with Olga Alvarez, Estate Planning attorney and partner at Heisner Alvarez Attorneys at Law. I met Olga through the Lawyers Club of San Diego, she is a past President of this specialty Bar Association committed to the...

Thursday, August 1, 2019

We hope you have had a great summer with your friends and family! 🏝️😎 This August, we are highlighting some of our friends in other industries! From taxes and estate planning to insurance, we are here to help you find the...

Monday, July 1, 2019

Saturday, June 1, 2019

June is National Pride month! ❤️🧡💛💚💙💜 Here in San Diego, we celebrate our Pride during July, and Bair Financial Planning is hosting it's Annual Business Pride Mixer July 11th. 🏳️‍🌈 We will send out more information on that...

Wednesday, May 1, 2019

This month we are showing our appreciation to the military and their families for the sacrifices they give both at home and abroad. We also want to remind you to make appointments with Colleen to see us! We miss you and want to talk...

Monday, April 1, 2019

April showers bring May flowers! Or, in our case a new Client Service Manager! Welcome Colleen to the Bair Financial Planning team! This month we will be traveling to conferences all over the United States increasing our knowledge in...

Friday, March 1, 2019

How is it March already? Our Bair Vlog this month touches on - hiring our new team member, investment allocation changes, going green with paperless statements, and mapping out 2019. Marci Bair & Victor Orozco are Registered...

Friday, February 1, 2019

This month’s #BairVlog we talk: scheduling your #investment review, when to expect your 1099 #tax forms, catching up with our client’s #CPAs & #EnrolledAgents, and the #NoCall in the Saints playoff game. #MonthlyUpdate

Tuesday, January 1, 2019

January - the month of setting #goals in all aspects of life … personal, professional, spiritual and so on. Hopefully, setting #financial goals are on your list. This is where Bair Financial Planning can help. Listen about the...

Saturday, December 1, 2018

Happy Holidays to you and yours! #BairVlog #HappyHolidays

Monday, November 12, 2018

The potential outcomes of the midterm elections have been dominating the news cycle lately, and we know from history that the markets typically do not like uncertainty. With the Democrats taking control of the House of Representatives,...

Thursday, November 1, 2018

Wow, it's #November already? Wishing everyone an awesome #Thanksgiving. We appreciate our clients and the network of professionals who help them. We are truly #thankful for your trust and will continue to work hard to keep and grow it...

Thursday, October 11, 2018

The first day of fall may be in September, but the beginning of October is when that autumn feeling really kicks in. Whether you’re mourning the end of long summer days or embracing the return of pumpkin spice at your local...

Monday, October 1, 2018

This month’s #BairVlog we talk #OpenEnrollment for your #EmployeeBenefits, #MLBPostseason, deadline for your #TaxExtension, #RequiredMinimumDistributions, and #PumpkinSpice

Thursday, September 6, 2018

It’s back to school for students all across the country, and whether it’s the first week in kindergarten, high school, or college, parents and students alike are excited yet probably nervous at the same time. What will the...

Saturday, September 1, 2018

New month, new #BairVlog #MonthlyUpdate. We discuss #GenderLensInvesting, upcoming #sector changes, #MidtermElections, football, but more important our annual client appreciation event at Stone Brewing World Bistro & Gardens - Liberty...

Wednesday, August 1, 2018

The band is back together! Help us welcome back Victor from paternity leave and check out the video for more details about our client event coming up in September. #MonthlyUpdate #BairVlog #BairEvents

Monday, July 23, 2018

On 1 January 2016, the 17 Sustainable Development Goals (SDGs) of the 2030 Agenda for Sustainable Development — adopted by world leaders in September 2015 at an historic UN Summit — officially came into force. Over the next...

Monday, July 16, 2018

On 1 January 2016, the 17 Sustainable Development Goals (SDGs) of the 2030 Agenda for Sustainable Development — adopted by world leaders in September 2015 at an historic UN Summit — officially came into force. Over the next...

Wednesday, July 11, 2018

The recently released LPL Research Midyear Outlook 2018: The Plot Thickens is filled with investment insights and market guidance to take us through the rest of the year. So far this year, the return of the business cycle has brought...

Monday, July 9, 2018

On 1 January 2016, the 17 Sustainable Development Goals (SDGs) of the 2030 Agenda for Sustainable Development — adopted by world leaders in September 2015 at an historic UN Summit — officially came into force. Over the next...

Monday, July 2, 2018

On 1 January 2016, the 17 Sustainable Development Goals (SDGs) of the 2030 Agenda for Sustainable Development — adopted by world leaders in September 2015 at an historic UN Summit — officially came into force. Over the next...

Sunday, July 1, 2018

We can't believe it's already July! Hoping you all had a great 4th of July with your family and friends and having a great summer. #BairVlog

Monday, June 25, 2018

On 1 January 2016, the 17 Sustainable Development Goals (SDGs) of the 2030 Agenda for Sustainable Development — adopted by world leaders in September 2015 at an historic UN Summit — officially came into force. Over the next...

Monday, June 18, 2018

On 1 January 2016, the 17 Sustainable Development Goals (SDGs) of the 2030 Agenda for Sustainable Development — adopted by world leaders in September 2015 at an historic UN Summit — officially came into force. Over the next...

Monday, June 11, 2018

As a socially conscious wealth management firm, we feel a strong responsibility to invest in companies and causes that contribute towards a better world (which led to the development of our High Impact Portfolios). With that said, we...

Friday, June 8, 2018

The summer months are almost underway, which means that both vacations and midyear check-ins are ahead. As we approach the midpoint of 2018, many of us will take this opportunity to reflect on what we’ve seen so far and what may...

Monday, June 4, 2018

As a socially conscious wealth management firm, we feel a strong responsibility to invest in companies and causes that contribute towards a better world (which led to the development of our High Impact Portfolios). With that said, we...

Friday, June 1, 2018

We would like to congratulate all of the graduates this month. Wishing you happiness, good health, and a prosperous future! #Graduates #Classof2018 #brightfuture #BairVlog #taxtips #taxes #taxplanning

Tuesday, May 29, 2018

On 1 January 2016, the 17 Sustainable Development Goals (SDGs) of the 2030 Agenda for Sustainable Development — adopted by world leaders in September 2015 at an historic UN Summit — officially came into force. Over the next....

Friday, May 25, 2018

I was drawn to Conscious Capitalism because as a business owner I believe that while it is important to make a profit to stay in business and provide income for our staff, it is not the only thing that matters. Being a member of...

Tuesday, May 22, 2018

“Modern Military Families” The face of the US Military is changing. It was only a few years ago that LGBT military members could not openly serve and they had to keep their families hidden for fear of being fired. Just...

Monday, May 21, 2018

On 1 January 2016, the 17 Sustainable Development Goals (SDGs) of the 2030 Agenda for Sustainable Development — adopted by world leaders in September 2015 at an historic UN Summit — officially came into force. Over the next...

Monday, May 14, 2018

On 1 January 2016, the 17 Sustainable Development Goals (SDGs) of the 2030 Agenda for Sustainable Development — adopted by world leaders in September 2015 at an historic UN Summit — officially came into force. Over the next...

Friday, May 11, 2018

May’s arrival has brought warmer weather to many parts of the U.S. (finally), but it also brings talk of one of the most widely cited stock market clichés in history. “Sell in May and go away” is a longstanding...

Tuesday, May 1, 2018

\ May the fourth be with you! Can you believe it is May already? This month we talk business planning and Mother's Day. We swear that we didn't plan on having matching outfits. It does happen often though, haha. #BairVlog...

Monday, April 30, 2018

On 1 January 2016, the 17 Sustainable Development Goals (SDGs) of the 2030 Agenda for Sustainable Development — adopted by world leaders in September 2015 at an historic UN Summit — officially came into force. Over the next...

Thursday, April 5, 2018

The month of April has opened with some volatile market swings, accompanied by speculation of an escalating trade war. It’s during times like this that we need to take a step back, avoid getting caught up in the headlines, and...

Sunday, April 1, 2018

How clean is your financial house? As tax season comes to an end, it can be a great opportunity to begin some financial Spring cleaning and get organized. Learn how at http://www.bairfinancialplanning.com/ou… Also, congrats to...

Thursday, March 29, 2018

On 1 January 2016, the 17 Sustainable Development Goals (SDGs) of the 2030 Agenda for Sustainable Development — adopted by world leaders in September 2015 at an historic UN Summit — officially came into force. Over the next...

Tuesday, March 27, 2018

How can you clean up financial clutter? 1. Review your financial plan You should review your retirement assets, plans to fund education, estate planning, risk and asset management, and emergency funds. It is crucial to revisit and...

Tuesday, March 27, 2018

Here is a great piece on volatility Click Here to Read More

Monday, March 26, 2018

The first quarter of 2018 is wrapping up, and it’s time to spring forward and look ahead to what we could expect in the coming months. After a large market drop kicking off the month of February, March has been relatively calm...

Friday, March 23, 2018

You may not personally own a gun, but your investment portfolio might. Unless your investment advisor is like us, and uses some sort of screening criteria in their stock selection process with Socially Responsible Investing (SRI)...

Friday, March 23, 2018

On 1 January 2016, the 17 Sustainable Development Goals (SDGs) of the 2030 Agenda for Sustainable Development — adopted by world leaders in September 2015 at an historic UN Summit — officially came into force. Over the next...

Wednesday, March 21, 2018

Boston, MA // January 26, 2018 Last week, Avangrid Renewables, a subsidiary of energy and utilities company Avangrid, announced that it signed a second power purchase agreement (PPA) with apparel and footwear company, Nike, to source...

Monday, March 5, 2018

On 1 January 2016, the 17 Sustainable Development Goals (SDGs) of the 2030 Agenda for Sustainable Development — adopted by world leaders in September 2015 at an historic UN Summit — officially came into force. Over the next...

Monday, February 26, 2018

Since we have added a new member to our Bair Financial Planning team, teamwork has been a big theme around our office. We have had many discussions about communication and what processes will work best for us, and ultimately for our...

Monday, February 26, 2018

On 1 January 2016, the 17 Sustainable Development Goals (SDGs) of the 2030 Agenda for Sustainable Development — adopted by world leaders in September 2015 at an historic UN Summit — officially came into force. Over the next...

Wednesday, February 14, 2018

Marci's Interview with Jon Bailey, Founder/Chief Relationships Officer at i.d.e.a My inspiration for wanting to spotlight i.d.e.a was not only to highlight the accomplishments of Jon Bailey and Indra Gardiner Bowers, but also let you...

Monday, February 12, 2018

On 1 January 2016, the 17 Sustainable Development Goals (SDGs) of the 2030 Agenda for Sustainable Development — adopted by world leaders in September 2015 at an historic UN Summit — officially came into force. Over the next...

Thursday, February 1, 2018

Presenting the LPL Research Outlook 2018: Return of the Business Cycle, packed with investment insights and market analysis to guide you through all the action we may see in the year ahead. “Return of the business cycle”...

Thursday, February 1, 2018

See what's new at Bair Financial Planning in February! #BairVlog Tracking #1-695618

Friday, January 26, 2018

The enactment of the Tax Cuts and Jobs Act (TCJA) represents “the most sweeping overhaul of the U.S. tax code in more than 30 years.”1For millions of Americans and businesses it means an altered financial and investment...

Tuesday, January 2, 2018

I hope that you have enjoyed spending time with loved ones during this holiday season. This time of year often presents an opportunity for some additional rest and relaxation, but there is always the possibility for activity in the...

Monday, January 1, 2018

Happy New Year! Check out what's going on at Bair Financial Planning for 2018. #BairVlog

Wednesday, December 13, 2017

Did you know that most homes in the United States are not covered for the #1 natural disaster – Flood? Think about all the personal items that sit on or near your ground floor (or in your garage). Even if your home only floods...

Friday, December 8, 2017

It has been 30 years since the United States has seen a large tax overhaul. While there have been small changes to the tax code throughout the years, the last large tax changes occurred when President Reagan signed The 1986 Tax...

Friday, November 17, 2017

We have been working with the tax team of Abbas, Jenson & Cundari, CPA’s for close to 25 years and have found them to always be responsive and understand the needs of our mutual clients. I recently met with them and asked them to...

Wednesday, November 1, 2017

Alberto Cortes loves Mama’s Kitchen so much he has been there for 26 years! Alberto’s relationship with Mama’s Kitchen began as a Volunteer back in 1991, and he became a Board Member in 2000. He was hired as the...

Wednesday, November 1, 2017

Marci and Victor started off the month by attending the 2017 SRI Conference at the Hotel Del Coronado. The return on Socially Responsible Investments (SRI) may be lower than if the advisor made decisions based solely on investment...

Monday, October 30, 2017

This time of year can seem quiet, with summer vacations and back to school behind us, but the buzz of the holiday season still a few weeks away. Although this sense of calm may be a welcomed break, there is plenty of activity in the U...

Thursday, October 12, 2017

In this Community Spotlight I would like to introduce you to a well-loved organization, PFLAG. PFLAG stand for Parents, Families and Friends of Lesbians & Gays. It’s a wonderful organization that works to promote the health and...

Monday, October 2, 2017

During the past several weeks, we’ve seen news headlines dominated by everything from extreme weather to heightened geopolitical risks, with speculation on policy changes in the U.S. an ongoing hot topic. With so many events...

Sunday, October 1, 2017

Here's a quick summary of what we're up to in the month of October. #BairVlog

Friday, September 15, 2017

Last week, one of the big four credit reporting agencies, Equifax, announced it experienced a security breach resulting in criminals accessing personal information of approximately 143 million Americans between May and July of this...

Tuesday, September 5, 2017

As millions of students are beginning their first year of college this fall, they have countless new experiences. New school, new friends, new living situations, new freedoms. While all this occurs, personal finances are sure to be the...

Monday, August 21, 2017

Governance: the G in ESG investing. What does this mean exactly? When it comes to governance standards, impact investors want to know that companies use transparent and accurate accounting methods. They want to be sure companies have...

Friday, August 18, 2017

Severe thunderstorms took away the opportunity for me to watch Stevie Wonder perform at the New Orleans Jazz and Heritage Festival in April of 2016. Recently, attending this festival has become my favorite annual trip to take with my...

Thursday, August 17, 2017

As summer winds down, vacations come to a close, and kids head back to school, the calendar is relatively quiet in terms of major market events. Earnings season for corporate America—which was a good one—is behind us. No...

Tuesday, August 8, 2017

Bair Financial Planning is a strong supporter of local non-profit organizations and business owners that are making a difference in their community. From time to time we like to bring attention to them and help spread the word of the...

Tuesday, August 8, 2017

This month's shareholder advocacy spotlight is on J.B. Hunt Transport Services, a Fortune 500 company and one of the largest transportation logistics company in North America. A 2014 study by the Human Rights Campaign found that 61% of...