All in Risk Planning

We were featured in Time: How Much Should You Have in Savings?

We were featured in Time: How Much Should You Have in Savings?

Eric Maldonado, CFP®, MBA
Cash Flow Planning, Saving, Risk Planning

Full Time.com article: https://time.com/nextadvisor/banking/savings/how-much-should-you-have-in-emergency-savings/

Six to 12 months of expenses

Eric Maldonado, CFP, a financial advisor at Aquila Wealth Advisors in San Luis Obispo, California, also recommends an emergency fund buffer of six to 12 month of expenses.

“This becomes your stress valve,” he says. “You want to be able to make big life decisions based on what you value most. If you don’t have enough cash on hand, you end up having to make hasty decisions due to time constraints.”

And ultimately, that’s what your emergency is built for: peace of mind.

Important if you're on Medicare (or enrolling soon)

Important if you're on Medicare (or enrolling soon)

Eric Maldonado, CFP®, MBA
Risk Planning

TIME-SENSITIVE: Medicare Open Enrollment is from Oct. 15 to Dec. 7.

It’s no secret that Medicare parts and plans are downright confusing.

So confusing, in fact, that many people unknowingly choose the wrong plan that ends up costing them thousands of dollars in surprise medical expenses from a doctor visit, a treatment, or simply filling a prescription.

Healthcare costs are one of the biggest expenses retirees face (but can be very manageable with the right knowledge!) which makes choosing the right plan even more important.

So whether you’re enrolling for the first time, or you’re already on Medicare, I highly recommend you download my FREE Medicare Guide that will help you choose the right plan that could save you thousands.

The Capital One Data Breach

The Capital One Data Breach

Eric Maldonado, CFP®, MBA
Cash Flow Planning, Risk Planning

Steps to protect your cards and keep “what’s in your wallet” to yourself

It seems that credit card fraud and major retailer breaches are just a part of our everyday life now.

Just recently, for example, the Capital One data breach put about 100 million customers in the U.S. and another 6 million customers in Canada at risk.

As these attacks continue and hit more often, the best thing you can do is to be informed on how to prevent and minimize the damage.

Did you know that 43% of companies had a data breach last year? Or that almost 50% of Americans have been victim to credit card fraud in the past 5 years? Or that almost 670 million card records were stolen in the past 10 years? For every American, that is 2.1 stolen credit cards.

Protect Your Cards

Take these steps to protect your cards: