Articles

Strategic Wealth Planning for Millennials: Save Early and Often

By Francoise Crandell | December 05, 2018

We often hear from millennials who know they're supposed to start planning for their financial futures and saving for retirement, but just aren't sure how to go about it. 

This is understandable; after all, when you're focusing on graduating from college, paying down student loans and landing that first job, saving for a retirement that's 40 years or more in the future may just be the last thing on one's mind. Plus, given the (slowly) recovering state of the economy, many relatively new college grads may not be in jobs that pay well enough to make it easy to put a hefty percentage of each paycheck into a retirement savings account each month. 

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Jeremy Sorci of Premier Financial Group earns Certified Financial Planner™ Credential

By Jeremy Sorci | November 23, 2018

Registered Investment Advisor Firm adds CFP®

Eureka, CA: Jeremy Sorci, Financial Advisor at Premier Financial Group, has earned the prestigious designation of CERTIFIED FINANCIAL PLANNER™ (CFP®), one of the most highly regarded credentials in the financial advisor industry.

Jeremy grew up in Humboldt County and attained his MBA in 2003. He began his career in investment management and trust administration at the Bank of Stockton Trust & Investment Group, where he earned the advanced certification of Accredited Fiduciary Investment Manager™. In 2012, Mr. Sorci returned to Humboldt and joined Premier Financial Group, an SEC-registered investment advisor firm.

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The Quiet Killer of Active Wealth Management: Style Shift

By Teresa Conley | November 11, 2018

We are often asked about active versus passive wealth management approaches. One question that can be confusing is that of style drift.  What is it? How can it affect my financial planning?

It’s no secret that we’re not big fans of the active management approach, in which a financial advisor or fund manager buys and sells positions in an effort to generate extra returns.  We not only believe this is ineffective; there is also scant evidence to support the notion that trying to beat the market works any better than blind luck.

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Portfolio Managers Say Diversification is Key

By Jeremy Sorci | October 30, 2018

What's the best way to invest your hard-earned capital? It's investors' age-old question — and why so many turn to trusted wealth advisors for help.

Because while the process of building an investment portfolio may seem, in itself, simple, creating an effective portfolio involves realistic goal setting, a long-term time horizon that stretches across a few decades, a modicum of self-discipline and, significantly, risk awareness. Combined, these factors create the recipe for a diversified portfolio that's tailored to meet your specific financial needs. 

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Strategic Financial Planning and Socially Conscious Investing

By Jeremy Sorci | October 18, 2018

You’ve heard the expression, “Don’t judge a book by its cover.” This saying proves true in so many areas of life, but you probably don’t think of it in terms of socially conscious funds. This article explains why you should.

Wealth Planning and the Socially Responsible Debate

If I were to ask 20 people to define socially responsible investing, I’d likely get 20 different, but similar, answers. Ironically, if I were to research 20 different socially responsible mutual funds, I’d likely see 20

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Family Wealth Advisors Share 8 Tax Mistakes to Avoid

By Jeremy Sorci | October 12, 2018

Taxes may not be pleasant, but they are—as they say—inevitable. Still, that's no reason to pay more than you need to. 


Unfortunately, many Americans who prepare their own taxes do just that, to the tune of an average $400 overpayment! A 2014 study by H&R Block found that inaccuracies on do-it-yourself tax returns added up to a total of more than $1 billion in overpayments per year, affecting about 20 percent of those who file their own returns. Read on as our family wealth advisors share 8 common mistakes made at tax time — so you can avoid them.

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Retirement Plan Advisors Reveal 7 Retirement Trends

By Bruce Smith | October 06, 2018

While playing nine holes of golf with a friend the other day, the conversation turned to retirement and, specifically, what retirement looks like now as opposed to when our parents retired. Much has changed in the last generation or two; pensions have largely disappeared, the future of Social Security is a matter of debate and the costs of healthcare seem to just keep rising.

However, the news isn't all bad! Along with an increased life expectancy for most Americans, physical activity is on the rise

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Retirement Plan Advisors' Key to Retirement: Patience

By Bruce Smith | September 30, 2018

The other day, I was enjoying a game of golf with a friend who happens to be a long-time retirement plan advisor. As it often does, the conversation turned to retirement; specifically, where the key to a happy, comfortable retirement really lies.

My golf buddy's answer? It's probably not what you think.

My friend believes that the secret ingredient to a successful retirement lies in patience -- and the secret to patience lies in the ability to delay gratification, which, needless to say, isn't exactly a hard-wired human trait. 

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Do Some Investment Professionals have Gambling Problems?

By Ron Ross | September 24, 2018

We often speak with clients who have the sneaking suspicion that their previous investment firm was essentially gambling with their money. The unfortunate truth is that many investment professionals might as well be called what they really are – sports bookies. 

Though these two lines of work may seem quite different on the outside, you might just be surprised at the similarities – and at how the “beat the market” strategy endorsed by so many investment professionals is simply gambling in disguise. Here's Part One of a two-part series on the similarities between

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Are Your Financial Strategies Working? How to Evaluate Performance

By Ron Ross | September 18, 2018

When prospective clients meet with us to evaluate their portfolio, many investors are unaware if their portfolio is experiencing sub-par performance relevent to the appropriate benchmarks. Here’s what to look for when you’re evaluating your investments’ performance.

Ignorance is bliss. When it comes to investment performance, there’s a ring of truth to this old adage. It’s not difficult to see how active managers – investment professionals who attempt to “beat the market” in search of greater returns – can

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