by Ralph Bender, MBA, CFP® | Enduring Principles, Financial Plan, Retirement, Videos
Hot air balloons rise in the east, launching from Lake Skinner in Southern California’s Temecula wine country. On many weekday morning runs I’ll see a handful of them on the horizon. Small black spots, backlit by the rising sun. They rarely drift into the more densely...
by Ralph Bender, MBA, CFP® | Business, Enduring Principles, Running Money ®
We are excited to announce that Mona Hurtado, passed the difficult securities exams and is now an LPL Registered Administrative Assistant! She now has the ability to provide more support for Ralph and Mark as she takes on new responsibilities. “This has been a long...
by Ralph Bender, MBA, CFP® | Credit Management, Enduring Principles, Financial Plan, Motivation, Running Money ®
“Honestly, I’m not spending any more than I make, but there’s nothing left for savings.” “Let’s take a look at where your money goes, starting with the credit cards.” “I’m never late. I’ve got them set to take the minimum payment right out of my checking account!” “uh...
by Ralph Bender, MBA, CFP® | Business, Enduring Principles, Financial Plan, Retirement, Running Money ®
There must be good reasons why nearly half of American workers don’t contribute to their employers’ 401k plan. Here’s five of them: Reason #1 “I’ve got bills to pay.” Yep. Bills to pay is a good reason. Except for the fact that there will always be bills to pay. “I...
by Ralph Bender, MBA, CFP® | Beneficiary, Client Stories, Enduring Principles, Protecting Family Money, Videos
Cynthia woke up. Everything was blurry, including the talking. She tried to move, but everything hurt too much. She laid there on her back, trying to make sense of the situation. What was happening? It took some time, but then it hit her. The last thing she remembered...
by Ralph Bender, MBA, CFP® | Client Stories, Enduring Principles, Videos
Sarah and Nate have very different stories of their initial dates. It was a whirlwind romance for them, by any measure of romance. Married less than six months after their first date, which was only a few weeks after they first met. He was the unrefined, yet...
