Some of the new tax policies take effect in the 2025 tax year, others in the 2026 tax years. This letter exists to inform you of the most relevant stuff taking effect in 2025.
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When you read “stock market at all-time highs”, you probably expect a crash to follow shortly after. I’m not sure that’s something to worry about:
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The “One Big Beautiful Bill” passed last week, and was nearly 900 pages long. It’s packed with new legislation and changes to the tax code. Here’s what stands out:
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But our society, our standard of living, has improved dramatically! Progress is an underappreciated piece of our story. Consider the following:
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It’s no secret, California has earned its reputation for an expensive place to live.
Taxes can be a confusing and complicated issue, even more so when we live under 2 tax codes: CA State and Federal.
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Think of it this way: with a traditional IRA, you get a tax break now. With a Roth IRA, you get a tax break later. And that "later" tax break can be a very big deal:
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Amodei believes the AI tools that Anthropic and other companies are racing to build could eliminate half of entry-level, white-collar jobs and spike unemployment to as much as 20% in the next one to five years
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Just as a few cool days don't stop summer from arriving, market dips don't cancel the potential for long-term growth.
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Most people don’t know that CD’s are available through investment companies- often with better rates and terms than banks can offer. Here’s what you should know:
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If you only used this chart, you could make a good argument for investing when the fear index is above 30:
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Here’s what we’re telling clients about the Tariffs:
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To understand where things are going, it’s important to remember where we’ve been. Consider the products and services that didn’t exist 25 years ago:
iPhone
Amazon Prime
Facebook
Youtube/Gmail/Google Maps/Chrome
Notes on the rotation out of tech, and our latest video with charts of the moment
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If you’re planning for retirement, knowing the milestones is essential to avoiding taxes, penalties and missed opportunities.
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Notes and Outlook on Wildfires, Insurance, AI, Biotech and Tax Reform
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If you’re wondering what your top 2025 California and Federal taxes rates are, look no further.
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What’s most important about this exercise (aside from internal bragging rights) is to honestly assess where markets are at. Under scrutiny, investment opportunities tend to look more or less attractive, never the same. A true time to divide what’s bullish and what’s bull$h!t.
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A Required Minimum Distribution (RMD) is the minimum annual amount you must withdraw from pre-tax retirement accounts like IRA’s and 401(k)’s. Here’s what you need to know:
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