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Genovese Burford & Brothers Blog

Read the latest posts from the Financial Advisors of Genovese Burford & Brothers.
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5 Steps to Prepare Your Personal Finances for The Next Decade

5 Steps to Prepare Your Personal Finances for The Next Decade
As we close the books on a great year in the market, we at GBB begin to think about the next decade. The beginning of a new year (and new decade), can be a great time to reevaluate your financial goals and set new goals for the year ahead. Whether you are already retired or still in the accumulation phase, a new year can be a great time to check in on your plan. We recommend our clients review their financial plan at least once per year in order to make sure they’re staying on track to achieve their goals. Here are five activities to consider for the new year. Take Stock Beyond looking at the annual performance of your portfolio, taking stock is about evaluating the risks in your portfolio. Given the positive returns in U.S. stocks and bonds in 2019, it is possible that your overall stock allocation...
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Gifting Stock: The Gift that Keeps on Giving

Gifting Stock: The Gift that Keeps on Giving
We know many of you might give money as well as presents to your children or grandchildren this holiday season. However, what if you could gift to your adult kids/grandkids and help reduce your tax bill at the same time? You can, and the good news is it can be easy to do.  You don’t have to give them all your holdings of a stock.  Simply identify how many shares you would like to gift, ensure they are transferred by the end of the year, and you’re done!  On March 2, 2009, the Dow Jones Industrial Average closed at 6,763.  Recently it has closed over 27,700.   If you have held individual U.S. stocks over this period, it is possible that the gains in some of these stocks have been 200-400% or even higher. While this type of growth has helped improve your net worth, it can often come with a...
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Will Your Heirs Receive the Estate You Intended?

Will Your Heirs Receive the Estate You Intended?
When we discuss estate plans during our client meetings, we often hear either: “It’s on my list and I will call next week to get it done.” Or, “this doesn’t apply to me…I have my will and trust sitting in my safe.” If you haven’t thought about your will and trust over the last few years and made sure these documents were up-to-date, then please keep reading! That’s because lives and laws can change dramatically in just a few years and these changes can affect your estate.   Successful estate plans often have these attributes: Key participants are identified They reflect your current situation They are kept up-to-date legally Capable people are asked to distribute or manage your assets. Here are some tips for creating and maintaining a successful estate plan: An estate plan includes documents that can be used while you are alive and after you have passed.  When...
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Knowing the Signs: GBB Partners with Alzheimer’s Association to Learn More about Alzheimer’s Disease

Knowing the Signs: GBB Partners with Alzheimer’s Association to Learn More about Alzheimer’s Disease
In late July, GBB met with members of the Sacramento Chapter of the Alzheimer’s Association to learn more about this disease.  Our goal: become better prepared to support our clients as they age. The Alzheimer’s Association estimates that one in eight individuals over age 65 has Alzheimer’s and nearly half of people over age 85 have Alzheimer’s or another form of dementia. Over the last couple of generations, these percentages have grown, which makes Alzheimer’s both very prevalent and slowly debilitating—while not being deadly.  On average the disease can last eight years. From an emotional standpoint, Alzheimer’s is very difficult on all involved.  The person with dementia or Alzheimer’s can have periods of lucidity when they can understand their situation. These periods are often very difficult for them because they understand they have a disease that currently doesn’t have a cure. The caregivers (spouses, adult children, family members, etc.) for...
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