Planned Solutions

On this episode of the Planned Solutions Incorporated Podcast, The Social Security retirement program is now projected to exhaust its reserves by 2033. After that point the Administration will only have enough money to cover 76% of current projected benefits. Therefore, it is likely that changes will need to be made to Social Security benefits at some time in the future to put the program on firmer financial footing. However, how the program may be changed remains to be seen as there are many different ways lawmakers could change the program to fix its underfunding. Also, The IRS has been sending out far more tax notices than it did in 2020 or even before the pandemic in 2019. However, the level of IRS customer service has continued to leave much to be desired as the IRS has been unable to keep up with the processing responses to its notices and is only able to answer 8% of the phone calls that come into its call centers. And, Home improvement projects on a personal residence often fall into two tax categories. There are improvements that do not create a current tax benefit but increase the tax basis in the home which may reduce the tax owed when the home is sold in the future and there are projects that qualify for a tax credit which may reduce a taxpayer’s tax liability in the current year. It is important to keep accurate records and discuss any home improvement expenses with a tax professional to make sure the expenses are recorded properly. Plus a look at the Planned Solutions Incorporated Office Bulletin Board- Chase was recently a guest on the Can I Get That Software in Blue podcast. The podcast is intended for listeners who are in software sales or support and focuses on methods that professionals in software sales can use to learn more about potential customers. Chase Armer's book- Financial Planning Insights is now available at: store.bookbaby.com/book/financial-…anning-insights www.amazon.com/Financial-Plannin…1586894022&sr=8-1 To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail [email protected] The Personal Finance Review is published and distributed on a biweekly basis by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action. Planned Solutions, Inc. ADDRESS: PHONE: 1130 Iron Point Road, Suite 170 (916) 361-0100 Folsom, CA 95630 (800) 750-2111 E-MAIL: FAX: [email protected] (916) 361-0191 WEB SITE: www.PlannedSolutions.com #finance #invest #investment #stocks #inflation #deflation #bonds

On this episode of the Planned Solutions Incorporated Podcast, Recent minutes released from the Federal Reserve show that Fed officials are contemplating reducing the pace of their asset purchases as early as this Fall. This raises the question as to whether the market will engage in a second Taper-Tantrum similar to its negative reaction to Fed tapering in late 2018. However, the economic and financial backdrop is quite different this time around so a Taper-Tantrum could be avoided in aggregate while certain segments of the market may be impacted. Also, Mortgage lenders in the US may soon be able to use a borrower’s history of making rent payments to help them qualify for a mortgage loan. This may be very helpful for borrowers who otherwise have a limited credit history. It also makes it very important that renters pay their rent on time and do so in a way that is easily trackable and able to be documented. And, many people who purchased long-term care insurance are receiving notices stating that their premiums will go up, their benefits will be reduced, or both. This can be a real challenge for individuals who are counting on long-term care insurance to offset the cost of care later in life should they need it. Often this decision requires a thorough review of the changes to the long-term care insurance as well as an exploration of the other options available. Plus a look at the Planned Solutions Incorporated Office Bulletin Board- Book Report: The Psychology of Money, by Morgan Housel When I wrote my book, Financial Planning Insights, I envisioned a book of short chapters that would give readers insights not just into important financial planning topics but also different ways to think about money and make more informed financial decisions. Morgan Housel’s book, The Psychology of Money, does just that in many ways exceeding my own ability to explain financial decision making and timeless Don’t forget about the Harlan D. Wood Memorial Cancer Charity Golf Tournament that is scheduled for early September. Please mark your calendars if you will be able to attend. Date: Friday, September 10th, 2021 Location: Rancho Murieta Country Club – North Course 7000 Alameda Drive Rancho Murieta, CA 95683 Time: 12:30 pm shotgun start with a dinner to follow All profits go to cancer research and education. You can help by attending the tournament or donating. Not golfing? Bring friends and attend the BBQ. Chase Armer's book- Financial Planning Insights is now available at: store.bookbaby.com/book/financial-…anning-insights www.amazon.com/Financial-Plannin…1586894022&sr=8-1 To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail [email protected] The Personal Finance Review is published and distributed on a biweekly basis by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action. Planned Solutions, Inc. ADDRESS: PHONE: 1130 Iron Point Road, Suite 170 (916) 361-0100 Folsom, CA 95630 (800) 750-2111 E-MAIL: FAX: [email protected] (916) 361-0191 WEB SITE: www.PlannedSolutions.com #finance #invest #investment #stocks #inflation #deflation #bonds

On this episode of the Planned Solutions Incorporated Podcast, China may be following the pattern experienced by communist countries in the past. Rapid economic growth often leads to a redistribution of wealth, which is followed by government oppression, resulting in a purge of those who have come to embrace increased economic freedom. Should China repeat the mistakes of its predecessor communist governments it could have major implications for the global economy and multinational supply chains. Also, Recent inflation data has been high but most economists expect it to moderate in the coming months. However, government spending on infrastructure has the potential to increase inflationary pressures or to increase consumer inflation expectations. When consumer inflation expectations increase there is often a corresponding increase in inflation creating an inflationary feedback loop. And, Life insurance is an important financial planning tool that can be used for a variety of purposes to meet an individual’s or family’s financial planning goals. One type of policy that is often overlooked is a Second to Die policy in which the insurance proceeds are not paid out until the last insured passes. This can be a valuable tool for those who want to make sure their estate has ample liquidity to meet their estate plan needs. Plus a look at the Planned Solutions Incorporated Office Bulletin Board- Don’t forget about the Harlan D. Wood Memorial Cancer Charity Golf Tournament that is scheduled for early September. Please mark your calendars if you will be able to attend. Date: Friday, September 10th, 2021 Location: Rancho Murieta Country Club – North Course 7000 Alameda Drive Rancho Murieta, CA 95683 Time: 12:30 pm shotgun start with a dinner to follow All profits go to cancer research and education. You can help by attending the tournament or donating. Not golfing? Bring friends and attend the BBQ. Chase Armer's book- Financial Planning Insights is now available at: store.bookbaby.com/book/financial-…anning-insights www.amazon.com/Financial-Plannin…1586894022&sr=8-1 To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail [email protected] The Personal Finance Review is published and distributed on a biweekly basis by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action. Planned Solutions, Inc. ADDRESS: PHONE: 1130 Iron Point Road, Suite 170 (916) 361-0100 Folsom, CA 95630 (800) 750-2111 E-MAIL: FAX: [email protected] (916) 361-0191 WEB SITE: www.PlannedSolutions.com #finance #invest #investment #stocks #inflation #deflation #bonds

On this episode of the Planned Solutions Incorporated Podcast, Stock buybacks and dividends peaked in the first quarter of 2020. Since then, the amount of capital returned to shareholders has declined every quarter as companies have retained more capital and focused on paying down debt accumulated during the recession. The question is: Will buyback and dividend activity recover to pre-pandemic levels or will there be a shift in corporate strategy to focus on financial stability over returning capital to shareholders? Also, Some government programs that were put in place to address the economic challenges resulting from the pandemic have been highly promoted, while others are little known and have been largely underutilized. Households and businesses should conduct a review to see if there is additional assistance available that will allow them to bounce back from the pandemic faster and help to undo the damage from the past 18 months. And, With inflation increasing, many manufacturers and retailers are going back to their old playbook, which may include raising prices, offering fewer discounts, and of course shrinking the size of their packaging. Smaller packaging makes the price per unit higher even though the list price is the same. The goal is to take advantage of consumers who are not paying close attention to the price and quantity of their purchases. This makes it even more important that consumers monitor their purchases and their prices when making buying decisions. Plus a look at the Planned Solutions Incorporated Office Bulletin Board- The IRS and State tax agencies appear to be more active in sending out tax notices recently. This may be yet another sign of things returning to normal as more and more people get vaccinated. Chase attended a virtual conference on sustainable investment strategies. This continues to be an area that is capturing investor interest but, as with most new areas, there is little agreement as to how these strategies should be defined. This makes for a very fluid landscape as definitions, strategies, and metrics for measurement are constantly changing. Don’t forget about the Harlan D. Wood Memorial Cancer Charity Golf Tournament that is scheduled for early September. Please mark your calendars if you will be able to attend. Date: Friday, September 10th, 2021 Location: Rancho Murieta Country Club – North Course 7000 Alameda Drive Rancho Murieta, CA 95683 Time: 12:30 pm shotgun start with a dinner to follow All profits go to cancer research and education. You can help by attending the tournament or donating. Not golfing? Bring friends and attend the BBQ. Chase Armer's book- Financial Planning Insights is now available at: store.bookbaby.com/book/financial-…anning-insights www.amazon.com/Financial-Plannin…1586894022&sr=8-1 To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail [email protected] The Personal Finance Review is published and distributed on a biweekly basis by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action. Planned Solutions, Inc. ADDRESS: PHONE: 1130 Iron Point Road, Suite 170 (916) 361-0100 Folsom, CA 95630 (800) 750-2111 E-MAIL: FAX: [email protected] (916) 361-0191 WEB SITE: www.PlannedSolutions.com #finance #invest #investment #stocks #inflation #deflation #bonds

On this episode of the Planned Solutions Incorporated Podcast, Taxpayers have begun to receive notices about the advanced payment of the new expanded child tax credit. However, many taxpayers end up with questions about how much of a credit they will qualify to receive, whether they should elect to receive advanced payments or claim the full tax credit on their income tax returns, and how they can update their information with the IRS so that the number of their advanced payments are calculated correctly. Also, The federal government deficit decreased over the past nine months despite an increase in federal spending related to the pandemic. The decrease was largely due to a sharp increase in personal and corporate tax revenues as the US economy has bounced back from the economic restrictions implemented to slow the spread of the Coronavirus. And, a Limited supply of new cars due to supply chain disruptions has created a hot market for new and used cars. This is the market for a new car that may find higher prices and fewer options in terms of the vehicles available. However, in many cases, financing terms are still favorable, and buyers may be able to get a premium price for their trade-in. Meanwhile, those in the market for a used car may find few available and higher prices as the average age of the vehicle on the road increases due to reduced vehicle turnover among car owners. Plus a look at the Planned Solutions Incorporated Office Bulletin Board- Daryl and Chase attended the July meeting of the Financial Planning Association of Northern California. The meeting topic was the changes to the insurance industry in recent years. Don’t forget about the Harlan D. Wood Memorial Cancer Charity Golf Tournament that is scheduled for early September. Please mark your calendars if you will be able to attend. Date: Friday, September 10th, 2021 Location: Rancho Murieta Country Club – North Course 7000 Alameda Drive Rancho Murieta, CA 95683 Time: 12:30 pm shotgun start with a dinner to follow All profits go to cancer research and education. You can help by attending the tournament or donating. Not golfing? Bring friends and attend the BBQ. Chase Armer's book- Financial Planning Insights is now available at: store.bookbaby.com/book/financial-…anning-insights www.amazon.com/Financial-Plannin…1586894022&sr=8-1 To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail [email protected] The Personal Finance Review is published and distributed on a biweekly basis by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action. Planned Solutions, Inc. ADDRESS: PHONE: 1130 Iron Point Road, Suite 170 (916) 361-0100 Folsom, CA 95630 (800) 750-2111 E-MAIL: FAX: [email protected] (916) 361-0191 WEB SITE: www.PlannedSolutions.com #finance #invest #investment #stocks #inflation #deflation #bonds

On this episode of the Planned Solutions Incorporated Podcast, Inflation rates have been in focus as the year-over-year inflation rate hit 5% in May. However, many gauges of future inflation rates show a far more subdued picture. The 10-year inflation breakeven rate, a gauge of investors’ expectations for inflation over the next 10 years, is currently just 2.33%. In addition, interest rates, which typically increase during periods of high inflation, have actually declined since March signaling low inflation expectations. Also, Home prices increased 24% year-over-year according to the National Association of Realtors. Meanwhile, the number of existing homes listed for sale has declined over the past four months leading to an even greater mismatch between housing demand and the supply available in the market. This may continue to be supportive of home prices until homebuilders bring new supply to the market. And, The IRS is finally getting around to correcting tax returns that claimed unemployment benefits but were filed before the American Rescue Plan Act (ARPA) was passed. Under ARPA taxpayers may exclude up to $10,200 of unemployment benefits from federal income tax. Taxpayers who did not claim the exclusion will likely be due a refund once the IRS makes the corrections on their returns. However, taxpayers with more complicated returns may want to analyze to make sure the IRS changes are correct and that they receive the full benefit under the law. Plus a look at the Planned Solutions Incorporated Office Bulletin Board- As people continue to get vaccinated and the number of COVID-related hospitalizations declines, the world is starting to get back to normal for many of us. In line with this trend, Planned Solutions will once again be back in the office full time following the Fourth of July holiday. So, if you have been holding off on setting up a review meeting until the meeting could be in office, this is the time to set up a meeting. We look forward to returning to some normalcy and being able to see many of our clients in person once again. Of course, those who do not live in the area or are not comfortable meeting in person can still schedule meetings via phone or Zoom. We have spent the past several months reviewing our cybersecurity strategy to ensure we are using the best practices from our industry to keep our clients’ information safe and ensure operational continuity. As a part of this review, we are constantly seeking out new ways to keep our network secure, securely communicate with clients, and detect any attempts by hackers to breach any part of our systems. As a result of our recent review, Planned Solutions will increase our cybersecurity budget to upgrade our capabilities and incorporate new services designed to detect and prevent data breaches. The security of our client's data is very important to us, making cybersecurity one of our fastest growing budget items in recent years. Chase Armer's book- Financial Planning Insights is now available at: store.bookbaby.com/book/financial-…anning-insights www.amazon.com/Financial-Plannin…1586894022&sr=8-1 To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail [email protected] The Personal Finance Review is published and distributed on a biweekly basis by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action. Planned Solutions, Inc. ADDRESS: PHONE: 1130 Iron Point Road, Suite 170 (916) 361-0100 Folsom, CA 95630 (800) 750-2111 E-MAIL: FAX: [email protected] (916) 361-0191 WEB SITE: www.PlannedSolutions.com #finance #invest #investment #stocks #inflation #deflation #bonds

On this episode of the Planned Solutions Incorporated Podcast, US economic data has been extremely strong in recent months. Most of the leading economic indicators are at very high levels and have been trending in a positive direction over the past several months. A few areas have still not fully recovered but in most cases, there are easy explanations for this subpar recovery, such as supply chain disruptions, which may be solved in the coming months. Also, Too often estate planning documents do not take into account the possibility of a future divorce. As a result, estate plans may be frozen for months while a property settlement is hashed out. This could lead to undesirable outcomes should one party die or become incapacitated during the divorce process. Therefore, it may be beneficial to plan ahead and make contingency plans just in case. And, Many people are surprised to find out that Social Security pays a $255 death benefit when a recipient of Social Security benefits passes away. In cases where Social Security has the information required, they will automatically send out the payment. However, in other cases, a surviving spouse or eligible child may need to apply for the death benefit within two years of the date of death for a payment to be issued. Plus a look at the Planned Solutions Incorporated Office Bulletin Board- Identity theft and fraud continue to be all too common. However, several best practices can be used to protect yourself: 1. Be suspicious of unsolicited phone calls, e-mails, and texts asking you to send money or disclose personal information. If you receive a suspicious call from an individual or institution that does not accept it, hang up, and call back using a known contact number. 2. Be cautious when sharing sensitive information and conducting personal or confidential business via e-mail since it can be compromised and used to facilitate identity theft. 3. Do not disclose personal or sensitive information on social media sites, such as birthdates, contact information, and mother's maiden name. 4. Do not verbally disclose or enter confidential information on a laptop or mobile device in public areas where someone could see, hear, or access your information. 5. Verify payment requests you receive by using a known phone number or e-mail. 6. Do not click on links in e-mails unless you have verified with the sender that the e-mail is legitimate. Chase Armer's book- Financial Planning Insights is now available at: store.bookbaby.com/book/financial-…anning-insights www.amazon.com/Financial-Plannin…1586894022&sr=8-1 To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail [email protected] The Personal Finance Review is published and distributed on a biweekly basis by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action. Planned Solutions, Inc. ADDRESS: PHONE: 1130 Iron Point Road, Suite 170 (916) 361-0100 Folsom, CA 95630 (800) 750-2111 E-MAIL: FAX: [email protected] (916) 361-0191 WEB SITE: www.PlannedSolutions.com #finance #invest #investment #stocks #inflation #deflation #bonds

On this episode of the Planned Solutions Incorporated Podcast, TThe US inflation rate has increased in recent months whether measured by the Personal Consumption Expenditure (PCE) index of the Consumer Price Index (CPI). However, the data has been anything but consistent as the two rounds of economic stimulus paid during 2021 have clearly impacted the personal income and inflation data. The question is whether inflation data will be able to trend at an above-average rate without additional stimulus payments. Also, The American Rescue Plan Act increased the amount of the child tax credit for some taxpayers. In addition, the Act makes a portion of the credit an advanced refundable credit so that it will be paid to taxpayers during the tax year. However, if a taxpayer does not end up qualifying for the credit they may be required to repay it. To avoid this the IRS will allow taxpayers to opt-out of the advanced payment of the credit. And, The value of bitcoin decreased by more than 50% from its April high to its low in mid-May. This decrease in value erased nearly all of the 115% gain for 2021. This volatility may is the latest test for bitcoin and other crypto-currencies to see if new investors will continue to pile into these assets when the risk of large losses, rather than just the allure of large gains, must be taken into account. Either way, investors will need to accept that a 15% decline in value in one day may lead to large losses without warning. Plus a look at the Planned Solutions Incorporated Office Bulletin Board- If you have called into our office or dropped by pre-COVID when the office was open, there is a good chance that the first person you talked to was Katelin. Katelin has been working as Planned Solution’s receptionist and in a client service role for several years. Up until recently her schedule has been part-time during the school year and full-time over the summer. The good news is that Katelin has graduated from Sacramento State University and will be working full-time at Planned Solutions on a year-round basis going forward. So next time you call into the office and Katelin answers join us in congratulating her on her accomplishment. Daryl recently attended the Financial Planning Association NorCal Conference. As Planned Solutions’ representative on the Financial Planning of Northern California Board of Directors, Daryl has been active in supporting the growth and development of the Financial Planning industry. Normally this conference is held in San Francisco but will be held virtually for the second consecutive year. Hopefully, by 2022 we will be back to in-person conferences and the valuable networking that often results from face-to-face meetings. Chase Armer's book- Financial Planning Insights is now available at: store.bookbaby.com/book/financial-…anning-insights www.amazon.com/Financial-Plannin…1586894022&sr=8-1 To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail [email protected] The Personal Finance Review is published and distributed on a biweekly basis by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action. Planned Solutions, Inc. ADDRESS: PHONE: 1130 Iron Point Road, Suite 170 (916) 361-0100 Folsom, CA 95630 (800) 750-2111 E-MAIL: FAX: [email protected] (916) 361-0191 WEB SITE: www.PlannedSolutions.com #finance #invest #investment #stocks #inflation #deflation #bonds

On this episode of the Planned Solutions Incorporated Podcast, California Proposition 19, which passed last November, has changed the property tax rules for inherited property. This has caused many people to rethink their estate plan and how they will pass real estate to their heirs. However, before making any irrevocable decisions it is important to understand the broad implications beyond property taxes and to weigh all of the pros and cons. Also, The US labor market recovery has slowed despite the continued improvement in the US economy. Some blame this on the extension of unemployment benefits which has caused low-wage workers to delay re-entering the labor force. This may partially explain the high level of job openings and high unemployment rate. However, there may also be a mismatch between the job skills workers have and those that are in demand. And, The Required Minimum Dist-ribution (RMD) rules can be fairly straight forward in general but become more complicated when the details are examined. One of these details pertains to the distribution requirements in the year the account owner passes. If the account owner has not yet taken their RMD in the year that they pass away their beneficiaries will be required to fulfill the RMD for the account owner in the year the account is inherited. Plus a look at the Planned Solutions Incorporated Office Bulletin Board- Tax season is finally over but tax planning season goes all year. Therefore, this may be a good time to review your income tax withholding, especially if you were unhappy with the amount you owed on your 2020 income tax returns or felt your refund was too large and the money could be put to better use during the year. Feel free to contact us if you would like to do a tax projection for 2021 to estimate your income tax liability and review your income tax withholding. Also, don’t forgiet about the Harlan D. Wood Memorial Cancer Charity Golf Tournament is scheduled for early September. Please mark your calendars if you will be able to attend. Date: Friday, September 10th, 2021 Location: Rancho Murieta Country Club – North Course 7000 Alameda Drive Rancho Murieta, CA 95683 Time: 12:30 pm shotgun start with dinner to follow All profits go to cancer research and education. You can help by attending the tournament or donating. Not golfing? Bring friends and attend the BBQ. Chase Armer's book- Financial Planning Insights is now available at: store.bookbaby.com/book/financial-…anning-insights www.amazon.com/Financial-Plannin…1586894022&sr=8-1 To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail [email protected] The Personal Finance Review is published and distributed on a biweekly basis by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action. Planned Solutions, Inc. ADDRESS: PHONE: 1130 Iron Point Road, Suite 170 (916) 361-0100 Folsom, CA 95630 (800) 750-2111 E-MAIL: FAX: [email protected] (916) 361-0191 WEB SITE: www.PlannedSolutions.com #finance #invest #investment #stocks #inflation #deflation #bonds

On this episode of the Planned Solutions Incorporated Podcast, The US stock market has started 2021 on a strong note. Helping to fuel the market rally has been a sharp increase in the level of margin debt (money borrowed in order to purchase investments). Typically, an increase in margin debt is a sign that investors are very bullish which can be a good sign in the short term. However, margin debt must be repaid at some point which means it could cause a wave of selling in the future. Also, The just-in-time inventory management model has been adopted by many manufacturers as a way to reduce costs. Now that model is causing supply shortages of many goods that have been in high demand due to a lack of the inputs that are needed. This could cause manufacturers to change their tactics and hold larger inventories, the cost of which may be passed on to consumers. And, Technology continues to take over more and more areas of everyday life by using standardized rules or algorithms to simplify decision-making. Finance is no different as technology platforms have attempted to use simplified models to offer investment management services at a low cost. However, investors should be aware that these trading programs often do not take into account their overall financial picture, including their tax situation, and may create inefficiencies such as an increased tax liability. Plus a look at the Planned Solutions Incorporated Office Bulletin Board- The 2020 tax return deadline is right around the corner. Taxpayers have until Math 17th to file their personal income tax returns or apply for an extension of time to file. However, an extension of time to file a tax return is not an extension of time to pay any tax due. Therefore, taxpayers should complete as much of their tax return as possible before May 17th in order to be able to estimate the amount of tax due, if any, before the May 17th deadline. Taxpayers who file for an extension but fail to pay any tax due may be subject to a late payment penalty as well as interest on the amount due up until the date that the tax due is paid. Now that tax season is nearing an end many taxpayers are wondering how long they need to keep their tax records. For most taxpayers, the statute of limitations for the IRS to audit or make changes to a taxpayer’s tax return is three years from the due date of the return or the date the return was filed. Therefore, most taxpayers may now destroy their tax records from the 2017 tax year. Chase Armer's book- Financial Planning Insights is now available at: store.bookbaby.com/book/financial-…anning-insights www.amazon.com/Financial-Plannin…1586894022&sr=8-1 To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail [email protected] The Personal Finance Review is published and distributed on a biweekly basis by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action. Planned Solutions, Inc. ADDRESS: PHONE: 1130 Iron Point Road, Suite 170 (916) 361-0100 Folsom, CA 95630 (800) 750-2111 E-MAIL: FAX: [email protected] (916) 361-0191 WEB SITE: www.PlannedSolutions.com #finance #invest #investment #stocks #inflation #deflation #bonds