Andy Czajkowski

Get Real With Real Estate

Real estate and housing markets go through economic cycles and those cycles are often described in terms of a buyer’s market or a seller’s market. Recently, it’s not as easy to ascertain where we are in those phases. In the Bay Area, along with most metropolitan cities on the coasts, this summer has shown signs …

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The Value in Value

Value stocks have a history of lagging growth stocks during the early and middle parts of an economic cycle. Growth stocks show stronger earnings growth earlier on and investors are willing to pay a premium for that. However, in the later part of the cycle when demand increases, capacity becomes constrained, commodity prices rise, inflation …

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Trust Yourself

If you own property, a business and/or have had multiple marriages you should have a trust.   Benefits of a trust   A trust allows you to avoid probate and simplify the lengthy process of your heirs settling your estate. It allows you to direct to whom and where your assets are distributed after your …

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Gifting Gains

One of the challenges of managing portfolios is the tax repercussions of moving out of certain positions and sectors and realizing the capital gains accrued in taxable portfolios. It’s a factor to consider when a stock no longer fits your investment strategy, yet you still have a sizable gain on the position.     Becoming …

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What is the Value?

Do you have a vision for your business but are unsure of the path to reach your goal? Most business owners feel that there are constantly obstacles that get in the way. Have you considered how you would overcome the feeling of being blindsided by the unexpected?    Are you working “on” the business or …

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Superfund Your Superstar

As we all know, a good education is essential, yet unfortunately, these days it’s also quite expensive. One of the benefits to the new tax bill is the expansion of the expenses for which your 529 plan savings can be used. Historically, 529 plans have been only for higher education expenses such as tuition, books, …

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Natural Disasters – Preparedness and Giving Back

On the political front, for many people the probability of the unexpected seems higher now than it was with the previous administration. So, it doesn’t seem out of the question that President Trump might inadvertently do something that will scare investors. How will the decisions that are made affect the ability of U.S. and international …

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Do Those Things You Want To Do

On the political front, for many people the probability of the unexpected seems higher now than it was with the previous administration. So, it doesn’t seem out of the question that President Trump might inadvertently do something that will scare investors.   How will the decisions that are made affect the ability of U.S. and …

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First I Was Afraid, I Wasn’t Diversified

At the most fundamental level, investment decisions are determined by two factors: risk and return. While investors may have different goals for portfolio returns and varying appetites for risk, the objective is consistent; maximize returns relative to risk. This is best accomplished through diversification, but constructing a portfolio with a variety of assets does not …

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