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A Terrific Way to Increase Retirement Savings

A Terrific Way to Increase Retirement Savings

October 18, 2016 by Audrey Grubman

Many employer plans now contain both a regular 401(k) plan and a Roth 401(k) option. The regular 401(k) allows an employee to defer up to $18,000 of compensation in 2017 ($24,000 for folks age 50 or older) before taxes. The benefit of regular contributions is that you reduce your taxes at the time of contribution, allow the earnings in the plan to compound over time, and defer taxes until you withdraw funds during retirement, when you will possibly be taxed at a lower rate. Contributions to a Roth 401(k) are made after-tax, i.e., contributions do not reduce your taxable income/taxesRead More

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Filed Under: Financial Planning, Tax Planning

The 7 Benefits of Donor-Advised Funds

The 7 Benefits of Donor-Advised Funds

September 19, 2016 by Audrey Grubman

A donor-advised fund (DAF) is like a mini-foundation that anyone can set up without the expense or a lot of paperwork. For our clients, it can be a great way to donate to charity without hassle, but it comes with other perks. First, how a donor-advised fund works: Through a custodian such as Fidelity or Schwab, you set up your DAF and deposit money or appreciated assets into it. You then direct the fund to distribute cash to any qualified non-profit organization, such as the Sierra Club or Doctors Without Borders. Why donor-advised funds are great, in my opinion: YouRead More

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Filed Under: Financial Planning, Tax Planning

Questions to Ask a Potential Financial Advisor

Questions to Ask a Potential Financial Advisor

August 22, 2016 by Audrey Grubman

When you’re in the market for a financial advisor, you want to find one that’s going to be a perfect fit for the long run. Your relationship with your financial advisor is key to your financial health, success, and peace of mind. At Grubman Wealth Management, we are keenly aware that a good client-advisor relationship is crucial for long-term success. We invite you to interview us before you commit to our services. And even if we do not turn out to be the right fit, we are happy to provide some guidelines for choosing a financial advisor. Here are aRead More

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Filed Under: Financial Planning, Investment Management, Tax Planning

Active Versus Passive Investment Management—Our Philosophy

Active Versus Passive Investment Management—Our Philosophy

August 8, 2016 by Audrey Grubman

There’s an experiment I love to use to explain why Grubman Wealth Management practices passive management as an investment philosophy. When a group of people is shown a large jar of jellybeans and asked to guess how many jellybeans are in the jar, it’s rare that anyone nails the exact number. Some people will guess wildly high, some wildly low. Yet, if you aggregate all of the guesses and average them out, you will usually arrive at a pretty accurate number. A crowd of guessers is consistently more accurate than individuals. The same is true for investment strategy. While theRead More

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Filed Under: Investment Management, Tax Planning

Are Robo-advisors as Worthy as Real CFP® Professionals?

Are Robo-advisors as Worthy as Real CFP® Professionals?

July 25, 2016 by Audrey Grubman

Recently I read an article in the Wall Street Journal about the rise in use of telemedicine companies. These “direct-to-consumer” online medical services provide inexpensive diagnoses that allow consumers to avoid high co-pays or deductibles. Patients instead call an “online doctor” and describe their symptoms. The doctor then makes a diagnosis and, in some cases, prescribes medication. According to the WSJ, the American Telemedicine Association expects more than a million calls to these types of services in 2016 alone. But without access to patients’ medical histories and in-person examinations, many telemedicine companies are issuing incorrect diagnoses. In a JAMA DermatologyRead More

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Filed Under: Financial Planning, Tax Planning

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