About Bob Williams

Bob is the Director of Media at Alhambra Investments, a fee-only Investment Advisory firm doing business since 2006. Alhambra Investments specializes in all-weather, highly diversified, multiple asset class portfolios. Give us a call today at 1-888-777-0970 or via email at and we’d be happy to arrange for one of our investment professionals to discuss your situation with you – completely complimentary. Let’s start the conversation today.

Charitable Donations: What to Know Before You Give

By |2023-09-20T11:53:09-04:00September 20th, 2023|Financial Planning|

Americans are generous people. According to the Lily Family School of Philanthropy, Americans give almost $485 billion dollars a year to charity. The reasons vary from paying it forward to giving something back or knowledge of the immutable universal law that if you give you will receive (although if that’s why you’re giving it probably won’t work). But, will your [...]

Qualified Charitable Donations (QCD) from Inherited IRAs

By |2023-09-18T11:31:05-04:00September 18th, 2023|Estate Planning, Financial Planning, Retirement|

At the very moment IRAs joined the retirement savings universe in 1974, so did Required Minimum Distributions (RMD). The government was more than happy to provide a tax-deferred way to save for the future, but it came with a future reckoning—paying taxes on all the contributions and on all future growth whenever an IRA owner began to take distributions. And [...]

2 Confusing IRA Designations

By |2023-09-13T08:30:14-04:00September 13th, 2023|Estate Planning, Financial Planning, Retirement|

“What in the world does that mean?”  I can’t tell you how many times I’ve been asked that question during more than 30 years in the financial industry. Clients naming beneficiaries on IRAs, 401(k) accounts, annuities or insurance policies stop dead-in-their-tracks when asked to decide whether they want beneficiaries to receive proceeds from their account Per Capita or Per Stirpes. [...]

Roth IRAs and Roth 401(k)s—What’s the Difference

By |2023-09-05T14:19:57-04:00September 5th, 2023|Financial Planning, Retirement|

Among savers and investors, the terms IRA, 401(k), and Roth are as common as drinking water, and sometimes the lines between them get blurred and the distinctions are lost. I’ve had multiple clients refer to their IRA as their 401(k) because that’s where the money was before it got rolled over. Many people haven’t been able to tell me whether [...]

What’s the Best Way to Leave Assets to Your Heirs?

By |2023-08-28T11:55:08-04:00August 28th, 2023|Estate Planning, Financial Planning|

Why does everyone think estate planning is so hard? You just split it equally among your heirs and you’re done, right? That’s a simple way to do it, but often, not the best way.   Everybody’s family is different and you need to think about the specifics of your family; What’s their situation?; How do you want them to benefit [...]

Retirees Want to “See Clearly Now”

By |2023-08-21T12:31:49-04:00August 21st, 2023|Financial Planning|

Getting Vision Insurance If you’re a retiree or approaching retirement you probably remember Johnny Nash singing   I can see clearly now the rain is gone I can see all obstacles in my way. Gone are the dark clouds that had me blind. It's gonna be a bright, bright, sunshiny day. And that’s exactly what today’s retirees want. It’s just [...]

Inflation is Changing the Way People Cook

By |2023-08-14T10:25:42-04:00August 14th, 2023|Financial Planning|

In the last two-and-a-half years inflation has become a four-letter word. For the 40 years before that, inflation had been relatively benign and for a huge percentage of the American public, inflation was something they’d heard about but never really experienced.   Today, everyone has seen the effects—the price of gas is almost double, eating out requires a small loan, [...]

It’s All About the Taxes – Irrevocable Trust IRS Update

By |2023-08-08T09:57:42-04:00August 8th, 2023|Estate Planning, Financial Planning|

It wasn’t really a secret, but the IRS didn’t make a lot of noise about it either. In March 2023, the agency quietly changed the rules, issuing Revenue Ruling 2023-2 which has a substantial impact on estate planning and irrevocable trusts.   In the last 10 years, irrevocable trusts have been used more frequently to protect family assets from being [...]

Is Parting Such Sweet Sorrow?

By |2023-08-07T10:26:04-04:00August 7th, 2023|Financial Planning|

In the last three years, changes in the U.S. employment market have been more rapid than bullets from a machine gun. And just when we thought things were settling down, now the newest, latest trend in employment has emerged. As with all its predecessors, this change is about employee attitude and is driven primarily by Gen Z and Millennials.   [...]

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