Your Family Financial Planning

Ten Financial Planning Steps in the Right Direction with the Pasadena Financial Planner Families need an objective financial planning process. In addition, they need to be in control — whether or not they have a family financial planning consultant. With a well-designed and personal financial plan developed in cooperation with the Pasadena Financial Planner, you […]

Your Family Financial Planning Process

Go <<< Back to Part 1 (Steps 1 to 5) — Family Financial Planning Pasadena To find an in depth article for each step, just click on the “Pasadena Financial Planners Sitemap” link at the top of this page and look for the articles numbered from 6 to 10. Note that you can reach us […]

US average stock market return with bond and cash returns

Evaluating historical cash, bond, and stock financial asset class returns with and without inflation This US historical average stock market return, bond returns, and cash investment performance article is a 2000 update of an extensive article I wrote six years ago. The original article was published on another financial website in 2014. This update was […]

Independent Investment Advisor Form ADV

Lawrence Russell and Company   Adviser Brochure:  Form ADV Part 2 February 16, 2024   Lawrence J. (Larry) Russell President and Managing Director   Lawrence Russell and Company 1077 Prospect Blvd. Pasadena, CA 91103 A CALIFORNIA REGISTERED INVESTMENT ADVISER CERTIFICATE #133101 This brochure provides information about the qualifications and business practices of Lawrence Russell and […]

Financial Planning Reading List

The Pasadena Financial Planner has written extensively about personal financial planning and investment management on a variety of websites. When I work with clients to develop their customized lifetime financial and investment plans, they often ask what they should read to improve their financial literacy. This article provides a list of recommended reading from among […]

Living Expense Tracking Methods

Many people do not track their living expenses and do not understand the magnitude of their consumption. Failure to monitor your consumption expenditures means that they are flying blindly regarding their future finances. If you do not understand how much you spend and how much you are saving and investing, you simply do not have […]

Independent Investment Counselors and Financial Advisors

Step 10 of 10 Personal Financial Planning Steps in the Right Direction Pick financial advisers and investment advisers solely to obtain objective and high quality financial advice. Specific financial counsel and investment counsel is potentially of high quality, only if it is carefully customized to your particular needs and only if it is given by […]

Efficiency of Personal Investing Strategies

Step 9 of 10 Personal Financial Planning Steps in the Right Direction This is one of the “10 Steps in the Right Direction” that make up the Pasadena Financial Planner‘s personal financial planning and personal investment management process. For a summary of these ten steps, see “Your Family Financial Planning.” To find an in-depth article […]

Insurance Risk Management

Step 8 of 10 Personal Financial Planning Steps in the Right Direction This is one of the “10 Steps in the Right Direction” that make up The Pasadena Financial Planner‘s personal financial planning and personal investment management process. For a summary of these ten steps, see “Your Family Financial Planning.” To find an in-depth article […]

Asset Allocation, Investment Asset Tax Location, and Emergency Cash Management

This article discusses personal investment portfolio asset allocation and some considerations about where to hold different classes of financial assets from the standpoint of more optimal taxation. As you move your cash, bond, and stock financial assets into lower cost, more broadly diversified investment mutual funds and/or ETFs, you should also consider how to “locate” […]

Investment Management Fees

Step 7 of 10 Personal Financial Planning Steps in the Right Direction This is one of the “10 Steps in the Right Direction” that make up The Pasadena Financial Planner‘s personal financial planning and personal investment management process. For a summary of these ten steps, see “Your Family Financial Planning.” To find an in-depth article […]

Personal Investment Strategy

Step 6 of 10 Personal Financial Planning Steps in the Right Direction This is one of the “10 Steps in the Right Direction” that make up The Pasadena Financial Planner‘s personal financial planning and personal investment management process. For a summary of these ten steps, see “Your Family Financial Planning.” To find an in-depth article […]

Investment Asset Allocation

10 Personal Financial Planning Steps in the Right Direction This is one of the “10 Steps in the Right Direction” that make up The Pasadena Financial Planner‘s personal financial planning and personal investment management process. For a summary of these ten steps, see Your Family Financial Planning. To find an in depth article for each […]

Investment Diversification Strategy

10 Personal Financial Planning Steps in the Right Direction This is one of the “10 Steps in the Right Direction” that make up The Pasadena Financial Planner‘s personal financial planning and personal investment management process. For a summary of these ten steps, see “Your Family Financial Planning.” To find an in depth article for each […]

Investment Risk Tolerance

10 Personal Financial Planning Steps in the Right Direction This is one of the “10 Steps in the Right Direction” that make up The Pasadena Financial Planner‘s personal financial planning and personal investment management process. For a summary of these ten steps, see “Your Family Financial Planning“. To find an in depth article for each […]

Sustain a sufficiently high pre-retirement savings rate

10 Personal Financial Planning Steps in the Right Direction This is one of the “10 Steps in the Right Direction” that make up the Pasadena Financial Planner‘s personal financial planning and personal investment management process. For a summary of these ten steps, see “Your Family Financial Planning.” To find an in depth article for each […]

Your Personal Financial Planning Skills

10 Personal Financial Planning Steps in the Right Direction This is one of the “10 Steps in the Right Direction” that make up The Pasadena Financial Planner‘s personal financial planning and personal investment management process. For a summary of these ten steps, see Your Family Financial Planning. To find an in depth article for each […]

A Fee Only Financial Planner for Those Who Are Not (Yet) Rich

Most investment planning services firms focus on the interests of the wealthy, while the financial services industry and full service brokers hide fees within excessively costly and supposedly “free” financial products sold to the affluent middle and upper middle class (Note that you can reach us by using the contact form below.) Using hundreds of […]

An Objective and Independent Financial Advisor

Find an independent financial advisor who understands and follows the scientific finance literature. (Note that you can reach me by using the contact form below.) During my 20+ year Silicon Valley business management career, I had saved and invested according to the financial principles that I had learned at the Stanford Business School in the […]

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