About Bob Williams

Give us a call today at 1-888-777-0970 or via email at info@alhambrapartners.com 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. Bob is the Director of Media at Alhambra Investments, an SEC-registered Investment Advisory firm doing business since 2006. Alhambra Investments specializes in all-weather, highly diversified, multiple asset class portfolios.

Does Your Estate Plan Cover Your Bank Accounts?

By |2021-10-21T15:18:17-04:00October 21st, 2021|Estate Planning, Financial Planning|

You just got the final draft of your estate plan. You’ve been thinking about this for a long time—how you want your estate distributed, who you want to take care of, who you want to benefit. As you scan the document, it includes your exact wishes for disposition of all the major assets; stocks and bonds, property, business ownership. But [...]

Medical Expenses Retirees Can Deduct

By |2021-10-20T13:51:30-04:00October 20th, 2021|Financial Planning, Retirement|

Like most people, I don’t want to pay more taxes than necessary. That common-sense approach to money began when I got my first job at the age of 13. I was paid $1.50/hour, slightly above the $1.30 minimum wage. I calculated exactly how much my first paycheck would be. But when I got it, somebody must have used new math, [...]

The Medicare Star Rating System—Help to Choose the Right Plan

By |2021-10-19T09:07:08-04:00October 19th, 2021|Financial Planning, Retirement|

Talk to anyone who’s about to go on Medicare and they’ll tell you that figuring out what plan to choose will make you pull your hair out (which is probably not covered by Medicare). There are so many things to consider, from drug coverage, to copays and coinsurance, emergency room visits, hospital stays, the network of available doctors, the network [...]

Estate Planning Review

By |2021-10-11T12:16:35-04:00October 11th, 2021|Estate Planning, Financial Planning|

We’ve been focused on Covid for so long that a lot of things have taken a back seat. We’re still regrouping, trying to find the new normal. Estate planning is one of the things that’s easy to forget in this new normal. Why not? You did the estate planning, you listed your wishes, and you put the document in a [...]

The Sunny Side of Inflation – Maybe

By |2021-09-29T09:41:12-04:00September 29th, 2021|Financial Planning, Retirement|

It may not be public enemy number one, but inflation is certainly near the top of the list. Since the beginning of 2021, prices of almost everything have gone into orbit. Energy prices are up an average of 56%. Airline tickets are up almost 25%. Used car prices have jumped more than 45%. And it seems there’s no slowdown in [...]

Paying More Taxes Because Your Spouse Dies

By |2021-09-27T11:44:47-04:00September 27th, 2021|Estate Planning, Financial Planning|

It’s one of the most obscure taxes in the IRS code, but it can be one of the most devastating at a time when you can least afford it. It’s called the Widow’s Penalty Tax—a stealth tax you never see coming—that can cause a widow or widower to struggle financially. When one spouse dies, the surviving spouse is now responsible [...]

Fiduciary vs Suitability Standard

By |2021-08-30T12:17:16-04:00August 30th, 2021|Financial Planning|

Today we hear the word fiduciary tossed around as some concept that means the same thing by everyone who utters it. Nothing could be further from the truth. A fiduciary, according to Investopedia is:   … a person or organization that acts on behalf of another… putting their clients' interest ahead of their own, with a duty to preserve good [...]

Spousal Lifetime Access Trusts—a Treasure Chest for Married Couples

By |2021-08-16T13:11:12-04:00August 16th, 2021|Estate Planning, Financial Planning|

There’s an old axiom that says, “All good things must come to an end.” And unless Congress makes some changes, that’s what will happen to the current level of the federal estate tax exemption. As it stands now, every individual can give away $11.7 million of their estate free of inheritance and gift taxes. Married couples have a combined exemption [...]

Embracing Social Security Online

By |2021-07-19T10:44:43-04:00July 19th, 2021|Financial Planning, Retirement|

Customer service is mostly dead. It’s probably housed in the Smithsonian along with the T-Rex and TV rabbit ears. As technology has progressed and Millennials have come of age, we have been pushed, sometimes kicking and screaming, to conduct personal business online. The Social Security Administration is no exception. Call the SSA and you will hear, “Offices are open to [...]

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