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Four-Dimensional Thought By Peter T. Waldron Managing Partner of Spectrum Wealth Partners "Evolution has ensured that our brains just aren't equipped to visualize 11 dimensions directly. However, from a purely mathematical point of view, it's just as easy to think in 11 dimensions as it is to think in three or four" -- Stephen Hawking

I Told You So By Peter T. Waldron Managing Partner of Spectrum Wealth Partners "You cannot escape the responsibility of tomorrow by evading it today."- Abraham Lincoln

Predicting the future! By Peter T. Waldron Managing Partner of Spectrum Wealth Partners "A person often meets his destiny on the road he took to avoid it." - Jean de La Fontaine

It's Not Always About Money By Peter T. Waldron Managing Partner of Spectrum Wealth Partners "Wealth is not his that has it but his that enjoys it." - Benjamin Franklin

Straight Talk By Peter T. Waldron Managing Partner of Spectrum Wealth Partners “I just think you ought to talk straight with your people.” - John Kennedy

Unfortunately, It's a Fact: You're Going to Die One Day By Peter T. Waldron Managing Partner of Spectrum Wealth Partners "What we have done for ourselves alone dies with us; what we have done for others and the world remains and is immortal." - Albert Pike

Debt...Leverage! By Peter T. Waldron Managing Partner of Spectrum Wealth Partners "Human behavior flows from three main sources: desire, emotion, and knowledge." - Plato

Business Owner, Get Out Plan By Peter T. Waldron Managing Partner of Spectrum Wealth Partners "There are no secrets to success. It is the result of preparation, hard work, and learning from failure.' -Colin Powell

New Year, New Opportunity "Write it on your heart that every day is the best day in the year." - Ralph Waldo

2020... What A Great Year! By Peter T. Waldron Managing Partner of Spectrum Wealth Partners Time changes everything except something within us which is always surprised by change. - Thomas Hardy pc @leo_visions

Organized By Peter T. Waldron A good system shortens the road to the goal. - Ralph Waldo Emerson Wouldn't it be nice to organize your financial life in such a way that things happen perfectly with no surprises? While that dream is not exactly a reality, it is one that many get close to with proper planning. PC @jplenio

The aim of the wise is not to secure pleasure, but to avoid pain. – Aristotle            While time is the great equalizer of fortunes, it is thought and reason that can stand the test of time. In these unprecedented times, fear has driven a lot of decisions. These actions have resulted in outcomes that were defined by emotion, not logic. Planning involves logic and th

Information, legislation, IRS guidance, etc. continues to come from Washington D.C. regularly, and rapidly. On March 27, 2020, President Trump signed the Coronavirus Aid, Relief and Economic Security Act (the CARES Act). The Act is the third relief package passed by Congress and the President.

We write to you during this most uneasy, difficult, unprecedented, and even frightening time. As of March 17, 2020, Spectrum Wealth Partners has begun adhering to the shelter-at-home order that has been issued for most Bay Area counties and we, like many of you, are now working remotely. The circumstances, while less than ideal, have not detracted from our singular focus: to catalyze the attainment of your financial objectives.

“Opinion has caused more trouble on this little earth than plagues or earthquakes.” -Voltaire In my last article I wrote about fear and how it influences our decisions, and in that article we discussed the worst periods in S&P 500 history. Two months later, we find ourselves living through one. Funny how timing has a way of working out. In the midst

Fear. The oldest and strongest emotion of mankind is fear, and the oldest and strongest kind of fear is fear of the unknown. H.P. Lovecraft PC - @alexagorn

“Dear IRS, I am writing to you to cancel my subscription. Please remove my name from your mailing list.” – Snoopy

Transitions can be scary, confusing, and uncomfortable; we work with our clients to build a strategy to look at what our clients lose by retiring, what they gain by retiring, and what will be unchanged. We look at all of the elements of cash flow; looking at the variation of the income and asking – what comes from social security? Pension Plans? Assets that you’ve accrued over your lifetime? (i.e. 401(k) and nonqualified assets) Investment properties?

I started my career 15 years ago. Summertime is always a time for reflection as many of my clients are vacationing, so my schedule lightens up. In that refection it has always been hard for me to figure out the why; why I help clients and why I work as hard as I do. I recently I figured this out and I wanted to share my discovery with you.

In my thirteen years of financial planning I have seen all different types of client situations and no two scenarios have been the same. There may be commonalities among clients but each client's financial situation varies. There is one common question I have often heard from prospective clients over the years How is my financial situation compared to other people like me? The majority of the people I meet with are doing great compared to their peers.

People have myriad of reasons for having multiple accounts and account types, be it psychological or financial. This article will discuss why consolidating or reducing accounts may be beneficial to your financial health. We will explore some of the reasons why people have too many accounts, the problems that can arise in having them, and lastly, we will look at the potential benefits of account consolidation.

I have it all done; is a statement that I have heard multiple times over the years when I ask people about their long-term financial plan. I respond with, how do you know? This month, I will be continuing the six-part series where we explore this dialogue. I will reiterate that you must have your strategy tested with a real-life scenario to know for certain that you have it all done.

I have it all done; is a statement that I have heard multiple times over the years when I ask people about their long-term financial plan. I respond with, how do you know? This month, I will be continuing the six-part series where we explore this dialogue. I will reiterate that you must have your strategy tested with a real-life scenario to know for certain that you have it all done.

I have it all done; is a statement that I have heard multiple times over the years when I ask people about their long-term financial plan. I respond with, how do you know? This month, I will be continuing the six-part series where we explore this dialogue. I will reiterate that you must have your strategy tested with a real-life scenario to know for certain that you have it all done.

I have it all done; is a statement that I have heard multiple times over the years when I ask people about their long-term financial plan. I respond with, how do you know? This month, I will be continuing the six-part series where we explore this dialogue. I will reiterate that you must have your strategy tested with a real-life scenario to know for certain that you have it all done.

I have it all done; is a statement that I have heard multiple times over the years when I ask people about their long-term financial plan. I respond with, how do you know? This month, I will be continuing the six-part series where we explore this dialogue. I will reiterate that you must have your strategy tested with a real-life scenario to know for certain that you have it all done.

I have it all done; is a statement that I have heard multiple times over the years when I ask people about their long-term financial plan. I respond with, how do you know? This month, I will be continuing the six-part series where we explore this dialogue. I will reiterate that you must have your strategy tested with a real-life scenario to know for certain that you have it all done.

The Tax Cuts and Jobs Act of 2017 has brought many changes to the tax law that are highly likely to affect your individual situation. I would like highlight and review a few of the tax changes that as a Financial Advisor, I believe may be the most impactful for individuals and business owners. Please note that these are just a few of the changes for 2018 and laws are subject to change. You should always consult with your accounting professional to get up to date information regarding your specif

At Spectrum Wealth Partners, we focus our energy on what we call the Family Legacy Pyramid.  This pyramid focuses on three main elements: Is our Community Ok?Charitable Desires: Civic, Religious, Community Groups Is our Family Ok?Estate Planning, Estate/Asset protection, Business Succession, Exit Planning , 529 Plans Are We Ok?Retirement Income, Long Term Care, Asset preservation, Spousal Income Needs, Sickness & Injury, Income Taxes, Property & Casualty In this

Many people own Permanent life insurance policies and/or Term life insurance policies.  While there are many differentiating factors associated with both, I want to share a couple of common themes with you. Term Life Insurance Most people avoid buying insurance because they are worried about the cost.  However, Term life insurance is fairly inexpensive, and for most young families, this type of insurance is an easy way to solve survivor income needs.  For some people, a

When it comes to long-term care, there are multiple questions that many people don’t have the answers to. Let’s start with the basics like what is long-term care?  What qualifies you to go on claim or get care when you have an insurance or a long-term care event?  Also, what type of long-term care policies are out there and when does it make sense to have the coverage and when does it not make sense to have the coverage?  I will explore these questions and your options