For most California small business owners, the number one source of anxiety isn't a massive lawsuit; it's the monthly struggle to keep the lights on. Cash flow —the constant, unrelenting need to ensure more money is coming in than going out—is the single greatest predictor of survival or failure. In California's volatile economic climate, where inflation remains sticky and legislative changes are constant, cash flow isn't just a finance issue; it's a legal imperative . Poor c

A dementia diagnosis is a life-changing event. As families grapple with emotional and medical complexities, they often face another immense challenge: taking control of their loved one's finances. Dementia progressively impairs the cognitive functions required for sound financial judgment—tasks like balancing a checkbook, spotting a scam, or tracking monthly bills become overwhelming. For a person who has managed their own money for decades, losing this independence can be de

The statistics on how many seniors are scammed each year vary depending on the source and the year the data was collected, as many frauds go unreported. According to reports from the FBI's Internet Crime Complaint Center (IC3): In 2023 , over 101,000 victims aged 60 and over reported fraud to the IC3. In 2021 , the IC3 received 92,371 complaints from victims over the age of 60. It is important to note that these numbers only reflect reported incidents to the FBI. Other sou

🐌 What's really the hangup? Estate planning—the crucial process of deciding how your assets will be managed and distributed after you pass away—is something almost everyone agrees they should do. It also involves a lesser known, yet equally, if not more important, need for incapacity planning in case of emergency. Yet, for many, it sits stubbornly at the bottom of the to-do list, year after year. Why the massive delay? It turns out, the "hangup" isn't a lack of discipline;