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Are Your Children Putting You into Debt?

It seems like the bad news about our retirement prospects just keeps on coming.  According to a U.S. Census Bureau report just released, the median level of debt among households led by someone 65 and older more than doubled over the last decade from roughly $12,000 to $26,000.  This...



A New Benefit for Non-Deductible IRA Contributions

There are a number of tools you can use to reduce taxes on the growth of your investments. You can contribute to a traditional IRA, where you get a tax deduction for the contribution plus tax-deferral on all gains until you retire. Or you can contribute to a Roth...



Ready to Start Financial Planning? Where to Begin?

Many of the individuals and families I’ve helped with financial advice over the numerous years I’ve been a financial planner initially came to me with a specific issue or concern.  Sometimes it was the need to consolidate and rationalize an investment portfolio scattered across numerous accounts.  Occasionally it was...



Are You Saving Enough For Retirement?

According to fourth quarter 2012 data for defined contribution plans administered by MassMutual (as reported in media site BenefitsPro.com), the average deferral rate for women participants was 5.38% and the rate for men 5.81%. This was reportedly the highest savings rate in four years. That’s the good news. But...




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Cognizant Wealth Advisors
2225 E. Bayshore Road
Suite 200
Palo Alto, CA 94303

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Cognizant Wealth Advisors is a registered investment adviser offering advisory services in the State of California and in other jurisdictions where exempted.