AIO Financial Podcast & Blog

We regularly give the online community updated tips and financial advice. Be sure to check back frequently for our latest episodes and posts.

Money in Banks is not Safe

The Impact of Time and Inflation on Financial Plans Preparing for retirement requires careful planning. What you need to consider is the impact of inflation on the expected cash flows, i.e. the money that you expect to receive from a retirement plan, once you hit the...

Investing to Address Climate Change

In this blog/podcast/video I will discuss how Climate Change can be addressed through Socially Responsible Investing (SRI).  This includes but isn’t limited to fossil fuel divesting and shareholder advocacy. See our video here. What is SRI? SRI is a way to use our...

Investing in Bitcoin

I recently saw the Netflix documentary Banking on Bitcoin. It is filled with interviews from experts and people involved in the Bitcoin beginnings and growth. It also discusses its future and technology.  This blog/podcast is about Bitcoin - the video can be found at:...

How to Save on Taxes with your own Business

Interview with an Enrolled Agent In this podcast/video/blog I speak with Amy Wall, an enrolled agent, which means she is licensed by the IRS to represent taxpayers and she has a degree in economics. She works on taxes for individuals and business owners at the Tucson...

Socially Responsible Investment Performance vs Traditional Investments

This is a question we often receive: I want my investments to help move companies in a positive direction but I don't want to sacrifice performance.  How does the performance of Socially Responsible Investments (SRI) compare with traditional index investments? To...

Asset Allocation

In this podcast (below), I will answer the question: What general types of investments should I consider?  I will discuss stocks, bonds, ETFs, mutual funds, gold, commodities, real estate, REITs, and more. The blog that addresses this question can be found at: 1 Asset...

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2015 Market Update

There are some obstacles for stocks to continue to go up in 2015, but there is optimism that the bull market will continue. With no election coming up soon and a tendency for stocks to do well in the third year of a presidential term, there is additional optimism...

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Social Security – Double Dip

File and Suspend If you are at your full retirement age (FRA), you can continue to work and suspend your benefit so your current spouse can collect a spouse’s benefit and you and earn delayed retirement credits (DRCs) which increase your Social Security benefit. The...

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Fiduciary Responsibility

PBS Frontline had a special a month ago about investing and retirement.  They focused on fiduciary responsibility and fees related to investing. The 52-minute video can be seen at: http://www.pbs.org/wgbh/pages/frontline/retirement-gamble/ They state that America is...

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Early Retirement Possible

I spent the holiday break with my wife’s family in Caborca, Mexico. Their homes and possessions are pretty simple, but they have nice celebrations and full lives. The median annual household income in the US is about $29,000, in Mexico it is about $4,500. Costs for...

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How to Reduce your Risk of Fraud

We received a request over email from a client who wanted money wired to a bank for the purchase of furniture.  We filled out the Schwab paperwork and email them to her (at the email her correct email address).  She signed and returned the form but Schwab requires...

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15 Easy Ways to Save

Here are a few ideas for saving money. Unplug electronics that are not in use – ‘vampire’ electronics consume an average of $100 worth of energy per year when turned off. Low-flow showerheads can save about 2,900 gallons of water per year. In winter, reverse your...

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Asset Allocation – Investment Strategy

Asset allocation is simply splitting an investment portfolio among broad categories of investments.  Those broad categories are typically US stocks, international stocks, fixed income (bonds and treasuries) and short-term reserves (cash, money market funds, short-term...

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