Ginger Weber

Ginger Weber is the President of Premier Financial Group and is a Certified Financial Planner™. Ginger advises individuals, families, and businesses in the areas of retirement planning, financial planning, estate planning, and tax planning.
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Recent Posts

Why Imitating Investment Professionals Isn't Always a Good Idea

By Ginger Weber | September 17, 2017

There's no question that the financial media — and the so-called financial "gurus" that dominate the headlines — are great at drawing attention, getting ratings, and garnering fans. But blindly following the advice of these investment professionals, or duplicating their published investment strategies, doesn't always lead to desired results. 

Is there ever a good time to imitate the financial pundits you see on TV? There's certainly a long precedent for the practice of following the advice of well-known

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The Rational Investor: Services to Demand From Your Wealth Advisor

By Ginger Weber | June 25, 2017

Too often investment professionals simply act as middlemen, merely facilitating stock transactions and offering little, if any, real advice or guidance.

If you can't remember the last time you heard from your investment professional, maybe it's time you switched from an order-taker to someone who takes the time to get to know your individual situation and tailors an investment plan based on your goals, not hers.

Forge a Relationship with your Wealth Advisor

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Wealth Management Strategies: 10 Best Steps to Financial Success

By Ginger Weber | June 13, 2017

During challenging economic times, many new Premier clients say they've come to us because they've pulled away from traditional investment strategies and began to react to every market whim and event.

This course of action rarely, if ever, works. There are no quick or easy gimmicks to financial success. There are, however, clear steps you can follow to assess where you are today and set you on a course of action to improve your comprehensive financial plan -- and move toward success.  


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Estate Planning Strategies: Strategy #1 - Stop Procrastinating

By Ginger Weber | June 01, 2017

If you're like most people, you want to ensure that your family members and loved ones are well-cared-for should an accident or illness take you away from them.  

You may also wish to decide now who will control your assets and who will make decisions regarding your healthcare should you become unable to make decisions yourself. All of these concerns can be addressed by estate planning strategies.

Although the foundation of any estate plan is typically a last will and testament, a comprehensive estate plan frequently

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Long-Term Care

By Ginger Weber | May 02, 2017

As financial advisors, we have been asked many times about whether someone should purchase long-term care (LTC) insurance. This is not surprising, as people are living much longer and the incidence of chronic diseases increases with an aging population.

In addition, the cost of care has seen significant increases – much faster than the rate of inflation. However, LTC insurance coverage is optional and expensive; so how do you know if you should buy it?

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Financial Planning Strategies: Invest or Pay Off Debt?

By Ginger Weber | April 20, 2017

In this world of relatively easy credit, it isn't uncommon for successful investors to accumulate high balances on their revolving types of debt, such as credit cards, while also having the means to pay it off.  A typical scenario might be similar to an investor having $15,000 in credit card debt while also having more than $15,000 in her bank account.  But what should she do?  Pay off that debt or invest the money?

What if she had the potential to earn greater return from investments than she

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Financial Strategies: Trick Yourself into Being a Better Investor

By Ginger Weber | April 14, 2017

Do you ever find yourself reacting to market ups and downs? Do you have the urge to jump in and out of the market, depending on how your stocks are doing on a particular day? Do you ever feel like following the stock picking advice of the latest "market guru" in the financial media?

If so, you're not the only one. But reacting to market volatility, attempting to pick stocks, and market timing won't lead to peace of mind... or efficient investments. Rather, focus on using some tips and tricks from Psych 101 in order to turn yourself into a better investor. 

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Your Comprehensive Financial Plan: Tax Deduction Tips

By Ginger Weber | April 02, 2017

Every year around tax time, our wealth advisors hear similar stories: Someone's golf buddy or sister-in-law reduced their tax burden by utilizing a little-known tax deduction.

Ginger Weber is a CFP, Certified Financial Planner and a 401(k) Financial Advisor with Premier Financial Group in Eureka Humboldt CountyThese commonly overlooked deductions are worth looking into, as they have the potential to leave more money in your pocket. As tax time draws near, don't overlook these deductions -- they may help you to minimize your tax bill

Financial Strategies: Commonly Overlooked Tax Deductions

State Sales Tax/Income Tax Deduction. Did you know that you may be able to deduct either the state income taxes or state sales taxes that you paid this year? 

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Costs of Early Retirement: Retirement Investment Advisors Explain

By Ginger Weber | January 09, 2017

Our clients often come to our retirement investment advisors with questions about Social Security. When is the best age to start withdrawals? Are there benefits to waiting longer to claim payments?  

Ginger Weber is a CFP, Certified Financial Planner and a 401(k) Financial Advisor with Premier Financial Group in Eureka Humboldt CountyWe understand why so many have questions about the program. After all, in 2014 alone, more than 59 million Americans will receive an estimated $863 billion in Social Security benefits and, of these, 74 percent of unmarried recipients and 52 percent of married couples depend on Social Security for at least half of their income, according to the Social Security Administration. Given that so many Americans depend so heavily on this program, it's important to understand how it works -- and how the age you decide to start taking benefits will affect the amount you receive.

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4 Ways Your Wealth Advisor Can Help With Estate Planning Strategies

By Ginger Weber | December 22, 2016

We're often asked if estate planning strategies fall within the realm of the investment guidance services offered by wealth advisors. The answer is a resounding "yes!”

In fact, we like to tell our clients that good wealth advisors will not only help with estate planning, but they’ll go above and beyond to ensure that you’ve done it – and then help you to keep it updated going forward. 

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