Recent Commentary

TheLiveBigWay® Digest – Unwavering Worldviews

TheLiveBigWay® Digeston January 28th, 2016No Comments
Reverse Mortgage Mini-Series: Part I

Real Estate ConceptAt Yeske Buie, we are constantly pushing ourselves to Learn Big, one of our six established worldviews, as we believe our learning in service of our Clients never ends. Furthermore, we strive not only to Learn Big but also to Think Big by applying the best available practices and research to the day-to-day servicing of our Clients. Staying true to these worldviews, Yeske Buie has committed to learning more about reverse mortgages and how they may be used as strategic planning tools for our Clients. In the first article of our reverse mortgage mini-series, we aim to give you a basic overview of Home Equity Conversion Mortgages (HECM) and as we build on this series, we will discuss specific numbers, details and calculations and example scenarios in which a HECM could be a valuable planning tool.

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In Case You Missed It: Worldview

News Article iPadLast week, not quite three weeks into the new year, it started to feel to many people like the world was coming to an end. In short: It Isn’t. Amidst the panic that seemed to have seized the stock markets, newspapers, and cable television shows the past few weeks, we shared our thoughts and worldview to explain why we believe the world will find its way to a new equilibrium.

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Shine it Forward

donation-certificate-ba0d9076-c43b-495c-9fc9-e3d3f07694e9This Saturday, San Francisco Bay’s night sky will light up with a new, permanent display of 25,000 lights as the city re-lights the San Francisco Bay Bridge. The iconic light sculpture, designed by world-renowned artist Leo Villareal, is controlled by complex algorithms and patterns, which dynamically recombine and transform the bridge into a living work of art. Inspired by the transformational public art, Yeske Buie has made a donation to Bay Lights in honor of our Clients and Friends who know how to Live Big. With the donation, Bay Lights has dedicated a light on cable #270, level #67 to those who Live Big. See exactly where Yeske Buie’s guiding light shines on the bridge with this interactive site.

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Yeske Buie in the Media:

Advisory HQ Top 11 Financial Advisors in San Francisco

AdvisoryHQAdvisoryHQ has ranked Yeske Buie as one of the Top 11 Financial Advisors in San Francisco. The financial review and media company compiled the listing based on their 4-step objective methodology which focuses on ranking firms with the everyday Client in mind and looks beyond analyzing a firm’s assets under management, revenue, and size. Instead, they consider a firm’s fiduciary duty, independence, level of customized service, history of innovation, team excellence, quality of service and more. Read on to see what AdvisoryHQ noted about Yeske Buie that contributed to our appearance on this ranking.

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How You Will Receive Your 1099

1099 Tax FormWhile Yeske Buie posts quarterly tax reports to your Client Private Page® for taxable accounts, these reports are for planning purposes only. To complete your 2015 tax return, please refer to your Schwab 1099 for dividends, interest, and capital gains in your taxable account(s), and your 1099-R for any distributions from your IRA(s). As required by the IRS, Schwab will send 1099s in the mail and post them to your Schwab account in mid to late-February. If you use the Schwab Alliance website, here are instructions for accessing your 1099 electronically. If you have lost your paper copy or are having difficulties accessing the forms online, please do not hesitate to contact us and we will be happy to assist you.

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TheLiveBigWay® Digest – January Fever

TheLiveBigWay® Digeston January 14th, 2016No Comments
A Dose of Financial Planning to Treat Your Powerball Fever

Lotto TicketAs you’ve inevitably heard, the Powerball Jackpot soared beyond record levels this week, maxing out every sign in America with a balance of $1.5 Billion dollars, and after Wednesday’s drawing, three people will split the prize. The hype around the 2016 Powerball grew with every round there wasn’t a winner, even though your chances at winning weren’t improving with each round. Whether or not you choose to play the Powerball or any lottery drawing, there are a few relevant financial concepts to contemplate in light of the chaos. Indulge with us as we chronicle the roller coaster ride of financial decisions you must make when you decide to purchase a lotto ticket.

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In Case You Missed It: The China Syndrome

3D Market Going UpAs we entered the fourth trading day of 2016, world stock markets seemed to have a bad case of nerves with much of the turmoil resulting from news about the Chinese economy. As you know, we don’t believe that what happens in the markets on a day-to-day or month-to-month basis carries any real information, dominated as it is by the “noise” of the daily news cycle. Nonetheless, the predictably dramatic headlines prompted us to share a few thoughts and observations regarding the issue from our perspective. And if you’d prefer some lighter reading to take your mind off of the headlines, see our Weekend Chart Challenge for a graphical pop quiz or Facetious Financial News for a satirical video, both of which we feel epitomize the effects of financial “noise”.

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Emulating Janus’ Essence

At the beginning of a new year, it is not uncommon for companies to participate in visioning exercises to set goals to tackle the year ahead. In fact, this practice corresponds well with the month of January which is named after the ancient Roman god Janus, a dual-faced god symbolizing beginnings and transitions. At Yeske Buie, our number one focus is always on our work with and for our Clients. In 2015, we had many recognitions and accomplishments that we think reflect well on our ongoing pursuit of excellence. Emulating Janus’ essence, we share a timeline of Yeske Buie’s 2015 Celebrations as an appreciation of 2015 and as an inspiration for 2016 and beyond.

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Yeske Buie’s Interactive User’s Manual

Yeske Buie User's ManualYeske Buie’s User’s Manual is an interactive guide to all things Yeske Buie that offers practical information ranging from how we serve our Clients to how you can get help with any issue. As you explore the Manual, you’ll find a history of our firm’s evolution, in-depth discussions of our investment and financial planning philosophy, a chance to meet the Yeske Buie team, and a guide to “Why Yeske Buie Clients are Elite”. The Manual is a dynamic guide that is updated regularly so even if you’ve reviewed the Manual in the past, we encourage you to jump right in and explore the wealth of useful and, we hope, interesting information.

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Where in the World is the Live Big® Glass?

WWLBG - COMPRESSEDWe continue to receive photos from our Clients, friends, and family enjoying their Live Big glass with loved ones. Today, we share four new pictures featuring Elissa, Dave and other members of the Yeske Buie team with their glasses. If you have a picture you’d like to share with us, please feel free to email Lauren@YeBu.com to be added to our full gallery.

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TheLiveBigWay® Digest – Best of 2015

TheLiveBigWay® Digeston December 31st, 2015No Comments
2015In this edition of the Digest, we were intrigued by what Digest posts resonated with people the most and decided to share with you the top posts from 2015 in each category. We also share a more extensive list highlighting the top five posts in each category as The Best of 2015.

Happy New Year!
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Top Economy and Investing Post: Weekend Chart Challenge

Graph OneAs stock markets around the world ebb and flow, some begin asking what’s up and what’s next. The answer, as always, is that we don’t know what’s next in the short run, but we do have a high degree of confidence where we’re heading in the long run. So, in the spirit of that wonderful French saying plus ça change, plus c’est la même chose, we offer up a visual pop quiz to see if you can recognize the Dow’s first eight months in each of the past six years.

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Top Financial Planning Post: The Yeske Buie Playbook

Game Day PlanJust as two professional sports teams come armed to each game with a playbook that blends hours of research with the ingenuity of the league’s top strategists, Yeske Buie has its own financial planning playbook, designated to tilt the odds in our Clients’ favor. We’d like to take this opportunity to share the key elements of Yeske Buie’s Creative Strategies and Grounded Wisdom® playbook.

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Top Millennial Post: Healthy Technology Habits

As identity theft becomes a growing issue, you may be asking yourself: What can I do to guard against identity theft? What is Yeske Buie doing to guard my information against identity theft? With this in mind, we offer several healthy technology habits that we follow at Yeske Buie as well as those you can practice yourself to help keep your identity safe.

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Top Firm News and Events Post:Yeske Buie Wins 2015 Trailblazer Award

Yeske Buie Formal GroupYeske Buie was selected as the 2015 winner of the prestigious Schwab IMPACT Trailblazer AwardTM which honors a firm for its dedication to helping the industry as a whole reach new heights through focused initiatives and the passionate commitment to service excellence. We share a video highlighting our team as well as more information about the initiatives that distinguish us as Trailblazers.

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Top Fun Stuff Post: Where in the World is the Live Big® Glass?

WWLBG - COMPRESSEDBeginning this summer, Yeske Buie initiated a campaign to highlight our Live Big glass in the United States and around the world. We are so pleased to have received pictures from our Clients, family, and friends living big in fourteen states and eight different countries! We share a gallery of photos of individuals enjoying a drink from their Live Big glass and hope you will share your pictures with us as you ring in the New Year.

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TheLiveBigWay® Digest – The Season of Giving

TheLiveBigWay® Digeston December 17th, 2015No Comments
The Transfer of Trillions: Why Intergenerational Wealth Planning Matters

Grandmother and grandaughter holding a plant togetherAn estimated $41 trillion is in the process of being passed from older to younger generations in the United States. No matter which side of the exchange applies to you, planning for this transfer will help make certain that the exchange is successful and engaging a financial planner can help ensure the plan is reflective of the values of both the benefactor and the beneficiary. See how Yeske Buie starts this conversation with Clients and the powerful visual we create to clearly illustrate the transfer of one’s assets.

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Social Security Law Changes Trigger a Comprehensive Review

stock chartThe Bipartisan Budget Act of 2015 that was signed into law on November 2, 2015 made some significant adjustments to the future of Social Security claiming strategies. In general, benefits were not changed. But some beneficial claiming strategies have been eliminated, effective April 30, 2016. We are in the process of completing a comprehensive review of all Clients who may be affected by the recent changes. The following action steps will be applied on an individual basis:

  • For some, you or your spouse may be required to take action prior to April 30, 2016. This is only potentially applicable if at least one spouse is Full Retirement Age (66 for most people) and one spouse is 62 or older. If this applies to you, we will contact you with the recommended action well in advance of this deadline.
  • For others, your optimal claiming strategy may have changed as a result of the new law but will not require action prior to the April 30, 2016 deadline. If this is the case, we will revisit your Social Security Benefits Analysis and review it with you at our next update meeting.
  • If you do not hear from us, know that we reviewed your benefits analysis and have determined that no changes need to be made at this time. In addition, if you and/or your spouse are currently receiving benefits, there is no action to be taken.

As always, please feel free to contact us if you have any questions.

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Investment Advisor: How Doing Good Can Help You Do Better

GiveAt Yeske Buie, we believe that sharing unconditionally is the path to abundance and we are committed to sharing our time, our intellect, and our resources. So, when Olivia Mellan and Sherry Christie of Investment Advisor Magazine reached out to Yeske Buie for our thoughts on year-round philanthropy, we were more than happy to share why and how we Give Big. In the article featured in the December 2015 issue of Investment Advisor, contributions from Elissa Buie and Cristin Etheredge were included to support, “How Doing Good Can Help You Do Better”. Today, we share a passage from the article where Elissa and Cristin highlight a few ways that Yeske Buie embodies the phrase Give Big.

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Yeske Buie Holiday Hours
Happy Holidays

With the end of the year nearing, we wanted to inform you of Yeske Buie’s upcoming holiday hours. The Yeske Buie offices will be physically closed next week from Monday, December 21st through Friday, December 25th. The entire team will be available remotely throughout the week if you need anything and will respond to your messages as soon as possible.

WWLBG - COMPRESSEDAlso, as the Yeske Buie team will be spending the holidays with friends and family around the country, we look forward to sharing photos with our Live Big glasses in a future edition of the Digest. And whether you plan to stay home or travel afar, we hope that you will use your Live Big glasses with family and friends and share your photos with us. Happy Holidays!

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‘Tis the Season: Yeske Buie Sponsors Cappella SF Holiday CD

0dewajfs.j31In what seems like the blink of an eye, the holidays are upon us and ’tis the season for delicious meals, time with family and friends, and holiday tunes. Elissa and Dave have become involved with Cappella SF, an exceptional a cappella group founded and directed by Ragnar Bohlin, Emmy award winning director of the San Francisco Symphony Chorus. We recognize that by no means does everyone celebrate the Christmas Holiday. But with admiration for their talent, Yeske Buie has sponsored Cappella SF’s first CD, “Light of Gold: Cappella SF Christmas”, which features both traditional and exclusive Christmas music, and we would like to offer a copy of this CD to anyone interested. If you would like a copy, please email Lauren@YeBu.com and she will promptly ship a CD to your home. This link to a sample of Light of Gold will give you a taste of what this CD has in store for you.

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TheLiveBigWay® Digest – Parallel Philosophies

TheLiveBigWay® Digeston December 3rd, 2015No Comments
How Well Do You Know Your 401(k) Plan?

401k PiggyA quick search on our website for the word “Retirement” will populate eleven pages of articles ranging in topic from how to retire early, to Social Security, required minimum distributions, budgeting, Roth accounts, and more. Needless to say, retirement is and always will be a hot topic. Today, we share ten unique advantages of a 401(k) plan including company matches, plan loans, and the ability to take penalty-free distributions before age 591/2. Read on to test how well you know your plan.

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Elissa Buie Named to 2015 InvestmentNews 20 Women to Watch

Elissa Standing ShotInvestmentNews has named Elissa Buie to its inaugural Women to Watch list for 2015. Distinctively, this list is not about assets under management, titles, or compensation. Rather, it’s purpose is to recognize women who are distinguished, innovative leaders who are driven and willing to share their knowledge and experiences with other women. InvestmentNews received over 400 nominations to form a list that was then shaved down to recognize just 20 honorees. See Elissa’s profile in the listing and watch a short video featuring Elissa explaining why financial planning is a great profession for women.

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Can You Predict a Good Time to Buy and Sell Stocks?

Business hand holder hot chartOver the past year, we have shared a variety of videos from strategic partner Dimensional Fund Advisors as we feel they provide important insights into Dimensional’s way of thinking and highlight the similarities between Dimensional and Yeske Buie. To continue illustrating our connection, we share a video that features Dimensional’s Vice President of Research, James Davis, PhD explaining the theory of Mean Reversion. To test the existence of Mean Reversion, Davis conducted an experiment across 15 different stock markets and and came to a conclusion that answers the question, Can You Predict a Good Time to Buy and Sell Stocks? Watch the short video here and see how Dimensional and Yeske Buie agree on this theory.

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Meet the Team – and Congratulate! – Camille Bouvet

Camille HeadshotYeske Buie is pleased to announce that Camille Bouvet, Financial Planning Resident in our San Francisco office, has passed the CFP® Exam. The CFP® Exam is one of three steps required to earn the CERTIFIED FINANCIAL PLANNERTM designation. Amidst our excitement of Camille’s accomplishment, we thought it would be fitting to share more about Camille in our most recent edition of Meet the Team. In this edition, we learn more about Camille’s professional and personal life interests, her goals as a Financial Planning Resident, and one of her Live Big® goals.

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Tis the Season: Yeske Buie Sponsors Cappella SF Holiday CD

0dewajfs.j31As we like to say every April, “It will be time to start planning your Thanksgiving Dinner before you know it.” In what seems like the blink of an eye, the holidays are upon us and tis the season for delicious meals, time with family and friends, and holiday tunes. Elissa and Dave have become involved with Cappella SF, an exceptional a cappella group founded and directed by Ragnar Bohlin, Emmy award winning director of the San Francisco Symphony Chorus. We recognize that by no means does everyone celebrate the Christmas Holiday. But with admiration for their talent, Yeske Buie has sponsored Cappella SF’s first CD, “Light of Gold: Cappella SF Christmas”, which features both traditional and exclusive Christmas music, and we would like to offer a copy of this CD to anyone interested. If you would like a copy, please email Lauren@YeBu.com and she will promptly ship a CD to your home. This link to a sample of Light of Gold will give you a taste of what this CD has in store for you. Happy Holidays!

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TheLiveBigWay® Digest – Trailblazers

TheLiveBigWay® Digeston November 19th, 2015No Comments
Tapping into the Equity of Your Home

House on Pile of MoneyWhen looking to utilize the equity that you have built in your home, there are two types of home equity loans to choose from. While similar, these two types of low-interest funding have different advantages for financing projects with a large price tag or for providing an extra financial boost to meet some of your life goals. Today, we share some of the advantages of and the differences between a Home Equity Line of Credit and a Home Equity Loan and some considerations for determining when this may be a good financing option for you.

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Winner of the Schwab IMPACT Trailblazer AwardTM 2015

TrailblazersYeske Buie is excited to announce that we have been selected as the 2015 winner of the prestigious Schwab IMPACT Trailblazer AwardTM. The Trailblazer Award honors a firm for its dedication to helping the industry as a whole reach new heights through focused initiatives and the passionate commitment to service excellence. The entire Yeske Buie team was in attendance for the award ceremony in Boston last week, as we believe it is the efforts of the team as a whole that earned us the recognition. We hope you enjoy the following video highlighting our team and read on to learn more about the initiatives that distinguish us as Trailblazers.

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Give Big: No Strings Attached

JH and an attendeeSeveral members of our Financial Planning team in San Francisco recently participated in Financial Planning Day, an event that allows the public to meet one-on-one with dozens of highly qualified CFP® professionals to receive free, no strings-attached financial advice. This year, the event drew an incredible 340 attendees who were assisted by 44 CFP® volunteers. Our very own Jennifer Hicks has attended five Financial Planning Day events in San Francisco and served as the chairwoman of this year’s event. Read on to see why Jen feels Financial Planning Day is so important and for impactful stories from our other volunteers.

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Where in the World is the Live Big® Glass?

WWLBG - COMPRESSEDToday, we share two new photos of the Live Big Glass that are each quite spectacular and added another colored state and country to our maps. In the first photo, the Live Big glass traveled nearly 16,000 miles plus 30 feet under water for an incredible shot beneath the Bligh Waters of Fiji. The second was taken at The Fairbanks House in Dedham, MA. The home is special to one of our Resident Financial Planners, Cody Daniels, as his 9th great grandfather built the home around 1636. If you have a picture you’d like to share, please send it to Lauren@YeBu.com who will ensure it is included in our gallery. We look forward to seeing how you Live Big with your glass in hand!

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Tis the Season: Yeske Buie Sponsors Cappella SF Holiday CD

0dewajfs.j31As we like to say every April, “It will be time to start planning your Thanksgiving Dinner before you know it.” In what seems like the blink of an eye, the holidays are upon us and tis the season for delicious meals, time with family and friends, and holiday tunes. Elissa and Dave have become involved with Cappella SF, an exceptional a cappella group founded and directed by Ragnar Bohlin, Emmy award winning director of the San Francisco Symphony Chorus. We recognize that by no means does everyone celebrate the Christmas Holiday. But with admiration for their talent, Yeske Buie has sponsored Cappella SF’s first CD, “Light of Gold: Cappella SF Christmas”, which features both traditional and exclusive Christmas music, and we would like to offer a copy of this CD to anyone interested. If you would like a copy, please email Lauren@YeBu.com and she will promptly ship a CD to your home. This link to a sample of Light of Gold will give you a taste of what this CD has in store for you. Happy Holidays!

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TheLiveBigWay® Digest – Think Big

TheLiveBigWay® Digeston November 5th, 2015No Comments
Behavioral Finance and Decision Architecture

Decision ArchetictureWhen it comes to financial planning, it can be difficult to stay on the straight and narrow planning path. In the midst of a rapidly changing world, well crafted financial planning policies can serve both planners and their Clients by acting as a powerful touchstone. As experts in the field, Elissa and Dave have made countless contributions and dozens of presentations on the topic of Policy-Based Financial Planning. Next week FPA of San Francisco’s chapter meeting, Dave will be teaming up with Terry Odean, a noted expert in behavioral finance, to discuss the importance of behavioral finance and how to help Clients make good financial decisions. Professor Odean will demonstrate psychological decision biases with interactive exercises and Dave will translate theory into practice with actionable decision framework. We encourage you to read more about Policy-Based Financial Planning and how decision architecture helps to build better choices.

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Facetious Financial News

Press and MediaFor nearly a decade, Elissa and Dave have been defining the characteristics of an ideal financial planning policy to help anchor Clients to a consistent course of action despite changes in external circumstances. Their work in this field has become increasingly important for many reasons, but especially when considering the steady stream of news and gossip that inundates today’s world and threatens to move Clients off course. With financial news, or what we prefer to call financial noise, in a current lull, we wanted to share a satirical video that we feel is the epitome of all financial noise. We encourage you to watch the humorous segment titled “Every TV News Report on the Economy in One” for a good laugh today, and to keep it as a distraction whenever “the numbers” begin to feel scary.

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Yeske Buie’s BIGGEST Company Retreat

IMG_6073The Yeske Buie team gathered in San Francisco last week for our biggest semi-annual retreat to date. We recognize this as our biggest retreat not only because of the size of our staff, but also because of our retreat work. This year, the team focused on solidifying Yeske Buie’s worldviews and core beliefs which resulted in the formation of what we call, the BIGs. Learn more about the BIGs and see pictures from our week together in San Francisco.

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Taking Advantage of Catch-Up Contributions

Birthday cake with lit candlesAre you turning 50 in 2016 and currently working? Or have you recently turned 50? If so, this message applies to you. First of all, Happy Birthday and cheers to your youthful wisdom! In the year you turn 50, you become eligible for catch-up contributions to your retirement accounts. We recommend you take advantage of this ability and contribute the maximum, including the catch-up, wherever possible. For a 401(k) or 403(b), the maximum deferral amount is $18,000 (plus $6,000 if you are 50 or older). For IRAs, the maximum deferral amount is $5,500 (plus $1,000 if you are 50 or older). We will be reaching out individually if this recommendation applies to you, but we encourage you to pass along this information to your friends who may not receive the recommendation otherwise.

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Cappella SF Concert: Songs for the Earth

Cappella SF no borderA very exciting concert is coming up this Saturday, November 7th at 7:00pm at Mission Dolores Basilica in San Francisco – a collaboration between Cappella SF and the environmental group Food and Water Watch. Elissa and Dave will be attending the concert to listen to Ragnar Bohlin, artistic director of Cappella SF and Grammy-winning Chorus Director of San Francisco Symphony, lead a singular collection of 24 of the Bay Area’s finest choral musicians in a program of beautiful a cappella music and spoken reflections. Yeske Buie will also be sponsoring a recording of the holiday concert later in November which we will have available upon request during the holiday season. For tickets and information about the concert, please visit their website.

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TheLiveBigWay® Digest – Present Value

TheLiveBigWay® Digeston October 22nd, 20151 Comment
The Present Value of Mindfulness

Tibetan TingshasWhile globalization and technological advancement have afforded us unprecedented levels of connectivity and opportunity, the potential downside to this level of accessibility is the uncountable number of forces competing for our attention at any given moment. Fortunately, there is a simple way to help make sure we are operating at our best, with the mental and emotional clarity to excel at our work and live fulfilled lives. As the Yeske Buie team prepares for our semi-annual staff retreat in San Francisco next week, we were inspired to share our thoughts on Mindfulness as we have learned and experienced that resting in awareness is one of the most powerful means to ensure we are effectively serving other members of the team and most importantly, our Clients.

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Dimensional Stories: Know the Animal

Spanish Congress, MadridCreative is not a word that always comes to mind when you think of wealth management. But at Yeske Buie, our firm, our culture, and our Client relationships are built around our talent for thinking creatively to help our Clients recognize their unique needs, goals, and opportunities. Furthermore, we believe in creative strategies that are executed with the grounded wisdom that comes from taking an evidence-based approach to everything we do. With this in mind, we share another short video from Dimensional Fund Advisor’s (DFA) Dimensional Stories series titled, “Know the Animal”, in which David Booth and Eugene Fama discuss how Dimesnional’s approach encourages investors to have a well-grounded perspective of markets.

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Meet the Team: Cody Daniels

Cody DanielsCody Daniels joins the Yeske Buie team in June as a Financial Planning Resident. Cody earned a Master of Science degree in Personal Financial Planning in May 2015 from Kansas State University’s CFP® Board Registered Program. Cody has a passion for financial planning and helping individuals and families achieve their personal financial goals. Cody traveled with his wife from Idaho Falls to San Francisco, and is focused on expanding his financial planning knowledge through Yeske Buie’s Financial Planning Resident Program. In this edition of Meet the Team, Cody sheds some light on his passion for Financial Planning and his goals during his time at Yeske Buie.

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Yeske Buie Fall 2015 Open House in San Francisco – Next Week!

pizap.com14441430764161We hope to see you next week at our our Open House in San Francisco on Thursday, October 29th from 4:30 – 6:30pm. This year’s event will feature several of Elissa and Dave’s favorite wines, a processional cellist, Yeske Buie Live Big glasses, and delicious appetizers and sweet treats from local company, JJardine. Read more about the featured wines, the menu, the entertainment and more! Please send your RSVP to Cristin@YeBu.com.

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Cappella SF Concert: Songs for the Earth

Cappella SF no borderA very exciting concert is coming up on November 7th at 7:00pm at Mission Dolores Basilica in San Francisco – a collaboration between Cappella SF and the environmental group Food and Water Watch. Elissa and Dave will be attending the concert to listen to Ragnar Bohlin, artistic director of Cappella SF and Grammy-winning Chorus Director of San Francisco Symphony, lead a singular collection of 24 of the Bay Area’s finest choral musicians in a program of beautiful a cappella music and spoken reflections. Yeske Buie will also be sponsoring a recording of the holiday concert later in November which we will have available upon request during the holiday season. For tickets and information about the concert, please visit their website.

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TheLiveBigWay® Digest – Nixing the Knowledge Gap

TheLiveBigWay® Digeston October 8th, 2015No Comments
Social Security: Nixing the Knowledge Gap

Social Security CardIt is estimated that Social Security has 2,728 different rules and that there are more than 8,000 claiming strategies for married couples alone. As these staggering numbers suggest, Social Security is a complicated topic. As a result, there is often a knowledge gap for hopeful retirees which may have a bigger impact than they would believe to be true. Last week, AARP and the Financial Planning Association (FPA) released the results of a survey conducted to discover what pre-retirees do and don’t know about Social Security. In this piece, we share  various media outlets that have captured Dave’s thoughts on the issue as well as Yeske Buie’s process for helping our Clients determine the best claiming strategy for their needs.

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A Careful Review of Your Credit Report

Credit ReportReady or not, the Holiday Season is just around the corner and ‘Tis the Season’ of giving and receiving. For some, however, tis simply the final Season of taking your personal information. During the holidays, you may be more susceptible to identity theft for a variety of reasons including increased use of your credit cards, more crowds that allow pickpockets to hide, and online shopping on ‘bargain’ sites you may not normally use. With that said, one way you can help keep yourself safe from the holiday grinches is to monitor your credit report regularly for early detection of identity fraud. Today, we offer tips and information on how to obtain, review, and correct your credit report so you have one less thing to worry about this holiday season.

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Give Big: Yeske Buie’s Efforts Continue to Impact Local Communities

LV CE LG DW VH KC Group Photo 3As we’ve shared before, one of Yeske Buie’s defined core values is our desire to willingly and selflessly share our time, our intellect, and our resources. Accordingly, the team volunteers on a quarterly basis, at minimum, as part of our Give Big initiative to make a difference in our local communities. As time has passed, both teams have identified their favorite organizations on their respective coasts and the team’s most recent Give Big efforts took them back to these organizations: Food for Others in Virginia and SF-Marin Food Bank in San Francisco. We share pictures of our teams in action and provide more information about these special organizations.

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Yeske Buie Fall 2015 Open House in San Francisco

pizap.com14441430764161We hope you will join the Yeske Buie Team from both offices for our Open House in San Francisco on Thursday, October 29th from 4:30 – 6:30pm. This year’s event will feature several of Elissa and Dave’s favorite wines, a processional cellist, Yeske Buie Live Big wine glasses, and delicious appetizers and sweet treats from local company, JJardine. Read more about the featured wines, the menu, the entertainment and more! Please send your RSVP to Cristin@YeBu.com.

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Tax Planning and Deadlines

Tax Label on FileIf you chose to file for an extension for your 2014 taxes, the deadline for completing your return is next Thursday, October 15th. We would appreciate receiving a copy of your 2014 Federal and State returns to help us better serve you throughout the rest of the year. Exactly how the information is used varies from Client to Client, but we are best able to perform tax related analysis with you most current tax return. You may send the document to us using any of the methods described here.

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TheLiveBigWay® Digest – Keeping It Simple

TheLiveBigWay® Digeston September 24th, 2015No Comments
Who WILL You TRUST with Your Estate?

Last Will and TestamentPeople often wonder when it is appropriate to begin organizing their estate. When it comes to estate planning, there are several strategies to choose from to ensure your assets are distributed according to your wishes and in a timely fashion. Just as there isn’t a cookie cutter financial plan, the same could be said of your estate plan; the right strategy depends on your individual circumstances. For some, a trust can be a useful and practical tool. For others, it may be more than is necessary and a will would suffice. The question then becomes what is a trust, how does it differ from a will, and when do I need to start preparing my estate plan? In this piece, we will outline the differences between the two tools and several trigger events that can signal it may be time to organize your estate.

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Employee Stock Options: Simplified

Stock Certificates and Dollar BillsChances are you have had stock options at one point or another or know someone who has. The term ‘stock options’ refers to company stock incentives offered to company employees. The stock incentives may come in many different shapes and sizes but most basically, stock options grant the employee the right to purchase a certain number of company stock shares at a certain price on a certain date. If the company’s stock price increases, the employee’s options are worth more and, thus, the employee is incentivized to help the company continue to grow. Here we’ll explore two of the most common forms of stock options and their main differences. Read on to learn more about the basics of Incentive Stock Options (ISOs) and Non-Qualified Stock Options (NQSOs).

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YeBu in the Media: Pamplin Creates Board Calling on Younger Alumni

Student in the Bachelor capIn June, we announced that Yusuf Abugideiri, Financial Planner in our Virginia office, was named co-chair of the Recent Alumni Board of the Pamplin College of Business. Yusuf will serve a three year term as co-chair with the Board and will have responsibilities including supporting current students in finding post-undergraduate careers, developing and strengthening relationships with recent alumni, and advocating for the Pamplin College to increase awareness with employers and potential students. Recently, Yusuf spoke with a correspondent with Virginia Tech’s Collegiate Times about the Board’s long-term initiatives and early mentoring efforts that will help shape the impact of the Board. Read on for Yusuf’s thoughts on his role with the Board and for information on the Board’s next big event.

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Yeske Buie Intern Experiences the Pope in DC

KC- Pope 5Kyle Covington, Financial Planning Intern working in our Virginia office, had the opportunity to see the Pope this week during his visit to Washington, D.C. Despite an early morning (Kyle arrived at the White House at 4:00am to allow plenty of time to get through security), Kyle greatly enjoyed the opportunity and described the Live Big experience as such; “Today, I had the ability to watch history happen. Standing on the South Lawn of the White House, the leader of the Catholic Church addressed the USA with a mission to learn the hopes and dreams of the American people. It was amazing to see how 11,000 people came together to welcome this individual, not counting the tens of thousands that lined the parade route outside the gates. While we certainly came from many walks of life, everyone was willing to hear Francis’ message – something not always seen in today’s culture.”

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Yeske Buie Fall 2015 Open House: Save the Date!

Smiling Staff at Western Town Cropped AgainWe hope you will join the Yeske Buie Team from both offices for our Open House in our San Francisco, CA office on Thursday, October 29th from 4:30pm to 6:30pm. The event will be catered by JJardine Catering and will feature entertainment provided by Bay Area Strings. Stay turned to future Digests for more details!

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“Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure. It is our light, not our darkness that most frightens us. We ask ourselves, Who am I to be brilliant, gorgeous, talented, fabulous? Actually, who are you not to be? Your playing small does not serve the world. There is nothing enlightened about shrinking so that others won't feel insecure around you. We are all meant to shine. And as we let our own light shine, we unconsciously give others permission to do the same. As we are liberated from our own fear, our presence automatically liberates others.” ~Marianne Williamson