How Lifestyle Inflation is Effecting Your Savings

You may have heard the phrase “lifestyle inflation,” or seen articles about families making well over six figure incomes and still living paycheck to paycheck.  This phenomenon is also known as “lifestyle creep” and refers to the tendency to let spending rise as income rises.
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Financial Aid Calculator: Do You Earn Too Much to Qualify?

There is no upper limit on the Exepcted Family Contribution. Some very wealthy families will have EFCs that exceed the cost of an expensive private university.
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5 Ways Grandparents Can Avoid Hurting Financial Aid Chances

It’s always wonderful when grandparents can help with college costs, but they have to be careful to avoid hurting their grandchildren’s chances for financial aid. Here are five things that grandparents (or other relatives and friends) should be aware of when helping to pay for college.
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Quarterly Market Review First Quarter 2017

Investment Shock Absorbers

Ever ridden in a car with worn-out shock absorbers? Every bump is jarring, every corner stomach-churning, and every red light an excuse to assume the brace position. Owning an undiversified portfolio can trigger similar reactions.

You can drive a car with a broken...
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Quarterly Market Review Fourth Quarter 2016

The Power of Markets

In 1958, economist Leonard Read published an essay entitled
“I, Pencil: My Family Tree as Told to Leonard E. Read.”

The essay, narrated from the point of view of a pencil, describes the “complex combination of miracles” necessary to create and bring to market the common...
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Phishing & Cyber Threat Awareness

With an increasingly digitalized world comes an unfortunate increase in scams and cyber theft.  We have recently become aware of several cyber security issues facing our clients that we would like to bring to your attention.  Below are several common cyber and technology scams we urge you...
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A Client-Centric Approach

Media Folder: 

Make the Most of Your Social Security, Part 1

Media Folder: 

Make the Most of Your Social Security Benefits, Part 2

Media Folder: 

Tempering Expectations: Potential Headwinds After an Eight Year Bull Market

After a prosperous 2016 for equity investors, global markets sustained their upward momentum in the first quarter of 2017 with most major indices ending higher.
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The 2016 Election: The Pitfalls of Market Timing

Despite a tumultuous political environment, patient investors were rewarded in 2016 with healthy stock market gains in numerous asset classes.  The S&P 500 Index of large U.S. stocks turned in a 12.0% return for the year, its eighth consecutive year of positive returns.  Small U.S.
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Chasing Yield: A Seductive Yet Dangerous Game For Investors

This quarter’s newsletter outlines our views on "chasing yield" (i.e., investing in securities primarily based on their income yield) and the risks inherent in this strategy.  We highlight some notable instances in the past decade when reaching for yield has hurt investors, as well as some common misconceptions about high-yielding investments.
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Dowling & Yahnke Ranked on InvestmentNews’ Largest Fee-Only Registered Investment Advisors

Dowling & Yahnke is named as one of the largest fee-only investment advisors in the country measured by discretionary assets under management..
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Mark Wernig Promoted to Portfolio Manager at Dowling & Yahnke, LLC

Dowling & Yahnke, LLC, a San Diego-based wealth advisory firm managing over $3 billion for more than 1,000 clients, is proud to announce that Mark Wernig has been promoted to Portfolio Manager.  In his new role, Mark will serve as a primary point of contact for clients.
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Dale Yahnke Honored in Barron's: One of Twelve U.S. Advisors on Its "Top 100 Independent Advisors" Ranking Every Year

In this week’s publication, Barron’s honors a select group of twelve U.S. financial advisors, “Our Independent Advisory All-Stars.”  Dale Yahnke and eleven other advisors have been selected each of the last ten years to the Barron’s “Top 100 Independent Advisors.”  Starting in 2007, Barron’s has conducted this annual survey to determine the ranking of the top 100 independent advisors in the United States.  
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