John Dubots

San Diego Financial Planner Discusses Legislation Regarding Estate Planning

With over 20 years as a Temecula Valley and San Diego financial advisor, I have seen tremendous fortunes eaten by inheritance taxes. Recent legislation introduced a temporary estate planning option called “portability" which allows a surviving spouse the ... Read >

Active Portfolio Management as It Relates to the Tragedy in Japan

Over the past week, financial markets worldwide have been shaken. This past Wednesday, markets plummeted for the third straight day on fears that a partial meltdown may have resulted at a nuclear plant in Japan. As a result, stocks erased nearly all of t... Read >

Temecula Financial Planner Unveils Roth IRA Strategy for High Income Earners

On May 17, 2006, the Tax Increase Prevention and Reconciliation Act (TIPRA) was passed into law by the President. One of the facets of this new law, which did not come into fulll effect until January 1, 2010, made it possible for high income earners (per... Read >

Temecula Financial Advisor Discusses Lessons on Wisconsin Labor Union Problem

Wisconsin's bid to break down labor unions leaves many pensioned workers in a state of limbo- and the effects could be widespread. Plans by Wisconsin Gov. Scott Walker (R) and the legislature to eliminate collective bargaining (the method used by public ... Read >

Will Social Security Be Rescued By a Enforced Retirement Plan?

As our leaders on Capital Hill battle it out over how to decrease spending in efforts to contain this mountainous atrocity we refer to as "The Deficit", the conflict between revenue, taxation, and spending will eventually arrive at the door of the Social ... Read >

Lower Social Security Withholding: What is the True Effect on You?

As you may possibly already be aware, the Federal government has lowered the Social Security tax temporarily for 2011. On the surface, this looks to be a fairly uncomplicated way for the American worker to bring home a bit more of that monthly paycheck, ... Read >

Is Impatience Killing the American Dream?

Long ago, many of our parents and grandparents gave us this advice: "Go to school, get a good education, then find a stable job with a secure company that pays for benefits such as a pension, insurance, and vacation time. Buy a home, raise a family, and... Read >

Active Portfolio Management vs. The Buy and Hold Long-Term Investment Strategy

We have all read the following advice to investing: "The market goes up and down, but over the long-term, the trend flows in an upward course. Therefore, if you obtain and hold blue chip stocks, the value of your account will grow." A valid strategy… o... Read >