by Lou Barberini | Mar 2, 2022 | Uncategorized
If you work for the city or if you are a city taxpayer, you should be concerned that the ultimate responsibility for the viability of the San Francisco public employees’ pension falls on your shoulders. With that in mind, consider this question: Would you prefer 1,000...
by Lou Barberini | Apr 30, 2020 | Uncategorized
With the stock market hitting severe turbulence, the sales pitches are going to increase for tax-free, riskless savings and investment vehicles that will grow and escape estate taxes. Beware! Many salespersons cloak the wolf of extremely high-commission insurance...
by Lou Barberini | Feb 2, 2020 | Uncategorized
If you don’t have a living trust, a married couple should not hold their property titled as “community property.” Huh? If your house or brokerage account is titled as “community property,” a surviving spouse will pay a probate tax when they receive their deceased...
by Lou Barberini | May 30, 2019 | Uncategorized
For a large portion of DC plan participants, a Roth plan might be better than a traditional plan. But few participants choose the Roth option. Every day, employees meet with pension record-keeper advisers and have a typical discussion about their 401(k), 403(b) or 457...
by Lou Barberini | Aug 1, 2017 | Uncategorized
In mid-June I was transferring a portion of my Prudential San Francisco Employees’ Deferred Comp account to another institution when I stumbled upon something I had overlooked: Prudential has never issued me, nor the other 25,000+ San Francisco public employees,...
