Posts by Taeya Lauer

Is there really a silver lining to losses in your investments?   You may be able to improve your tax situation by realizing losses.  This can help for the 2022 tax year, and in future years too. A capital loss happens if you buy an investment and then sell it for a lessor value. For example,…

Have a student in college?? Don’t forget to complete the FAFSA each year. The Free Application for Federal Student Aid (FAFSA) is a form completed by current and prospective college students in the United States to determine their eligibility for student financial aid. The FAFSA is different than CSS Profile (short for “College Scholarship Service…

Thanksgiving is one of the best times of the year, not because of the turkey and pumpkin pie, but because it gives us a chance to reflect on what we are thankful for. Here at Pacific Coast Financial Services, we feel truly fortunate to be able to be a part of our clients’ financial journeys.…

As I have written in my last two blogs, interest rates have been historically low since the Great Recession of 2007-2008. And although they have moved within a range during that time, the range has been low and it has been a long time since bond coupon rates have been attractive. But as the Federal…

Since the great recession of 2007-2008 interest rates have been historically low, and then during the Covid-19 outbreak they were dropped to zero, so it has been easy to ignore the debt side of your balance sheet. But with Fed raising rates again yesterday the trend of higher rates continues. Paying attention to what you owe and…

CDs, or Certificates of Deposit, are investments made through banks. They can be short term, like 3 months or long term, up to 10 years. In most cases they are FDIC insured; and usually the rates and maturity dates are set when you buy them. Sounds pretty attractive next to the volatility of the stock…