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What are Disabilities Policies and Why Would You Need One?

Submitted by David De La Rosa | Independent Financial Advisor Santa Cruz on August 1st, 2019

The prospect of suddenly having to face life with a disability that limits your ability to work in the way you’re used always seems unlikely. Disability is something other people face, maybe in old age, but not you. While disability insurance may seem unnecessary right now the facts give cause for the preemptive action.

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Avoiding Retirement Woes

Submitted by David De La Rosa | Independent Financial Advisor Santa Cruz on May 31st, 2019

How to Avoid Retirement Woes

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Renting Your Home? Why Renter’s Insurance is a Must

Submitted by David De La Rosa | Independent Financial Advisor Santa Cruz on June 27th, 2018

A tight housing market is leading many young adults to postpone purchasing a home, choosing instead to go the rental route. Many simply don’t want to be encumbered with a mortgage and all of the responsibilities that go with home ownership.

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Renter's Insurance

Submitted by David De La Rosa | Independent Financial Advisor Santa Cruz on June 27th, 2018

There were 43 million renters in the U.S. in 2017, the highest number of renters in the last 50 years.  Yet according to the Insurance Information Institute, only 37 percent of those currently renting have renters insurance, leaving 27.1 million renters without protection should catastrophe strike.

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Buying vs. Leasing: Tips for Stretching your Car Budget as Far as it can Go

Submitted by David De La Rosa | Independent Financial Advisor Santa Cruz on January 12th, 2018

For some a car is simply a means of getting from point A to point B. For others it’s a status symbol. Cars are a hobby, a passion, for some and necessity for others, but whatever the level affinity toward automobiles there comes a time where just about everyone needs to start shopping for a new (or used) one. But, don’t run down to the local dealership just yet.

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Financial Planning for Young Professionals

Submitted by David De La Rosa | Independent Financial Advisor Santa Cruz on January 12th, 2018

You’re 25 and feeling alive. You’re settling into life after university, paying off your debts and slowly figuring how to “adult”. But with the responsibility of bills, rent, and even keeping up social appearances, prioritizing financial planning is something far too often pushed to the side.

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How Political Climates Affect the Financial Market

Submitted by David De La Rosa | Independent Financial Advisor Santa Cruz on January 12th, 2018

If you’re a fan of political dramas on televisions, you’ll know that the turbulent world of politics has an affect on the global financial markets. But what about in real life? How much does art - if you can call shows like Scandal, Veep, and House of Cards art - imitate life, and vice versa?

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Beneficiary Benefits—Keeping Designees Updated Matters Big Time

Submitted by David De La Rosa | Independent Financial Advisor Santa Cruz on December 27th, 2017

The term beneficiary crops up every now and again. Usually you’ll see it on an insurance form or hear about it in relation to a will, but despite the nonchalance we toss the term around with, beneficiaries are incredibly important. Let’s break down the details on how and why beneficiaries matter.

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When Filing for a Tax Extension Makes Sense

Submitted by David De La Rosa | Independent Financial Advisor Santa Cruz on February 6th, 2017

The annual meeting is rescheduled to sometime later this quarter and the family reunion is sometime next summer, but like certain holidays and your birthday you know you can always count on a few specific dates. It’s reassuring. One such day is Tax Day, AKA April 15. Yet, unlike a birthday this looming deadline tends to sneak up on you in the least enjoyable way.

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What to Look for in a Disability Insurance Policy

Submitted by David De La Rosa | Independent Financial Advisor Santa Cruz on February 6th, 2017

Unquestionably, disability insurance is more complicated than other forms of insurance. There are a lot of moving parts to understand in order to create the right kind of coverage, which may be one reason why many people are reluctant to look into it.

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