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TRI-CIRCLE FINANCIAL STRATEGIES BLOG: Clear Financial Guidance for Businesses and Individuals

LPL 2015 Midyear Outlook

Posted in: Financial Planning
July 13th, 2015

By Bill Sornstein

Here is the short (2 page) summary of LPL Financial's Research Department midyear outlook for 2015:  2015 Midyear Outlook abridged.  If you would like to read the full (27 page) whitepaper or if you have any questions, please email me at bill@tricirclefinancial.com[. . .]

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LPL 2015 Midyear Outlook Video

Posted in: Financial Planning
July 13th, 2015

By Bill Sornstein

Check out the new video from LPL Research.  It is only 6 minutes long and highlights many of the themes contained in their 2015 Midyear Outlook:  [embed]https://www.youtube.com/watch?v=5mjELbGM87c&feature=youtu.be[/embed] [. . .]

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LPL Market Insight - First Quarter 2015

Posted in: Financial Planning
April 21st, 2015

By Bill Sornstein

LPL Financial has just published the first quarter update to their 2015 Outlook.  Some of the highlights from the update include:
  • Temporary factors drive first quarter slowdown
  • Stocks post ninth consecutive quarterly gain
  • Oversupply, Iran negotiations weighed on oil
  • Bonds keep their own winning streak intact
  • Alternatives saw broad-ba [. . .]

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What “Strange Inheritance” Are You Hiding?

Posted in: Financial Planning
April 13th, 2015

By Rachel Owens

The new FOX TV show “Strange Inheritance” is an object lesson in how families treat heirlooms and communicate their value.  One lesson inherent in these episodes is the need for the senior generation to clearly communicate their intent for their estates. In one episode, a family found an old comic book collection hidden in the wall of grandpa’s old house.  It turned out that they were worth over $1,000,000.  If this family had not been diligent in clearing out and reviewing the contents [. . .]

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Orange County Celebrates Family Business

Posted in: Financial Planning
April 13th, 2015

By Rachel Owens

In September of 1993, I hosted the first Family Business Council meeting for the California State University, Fullerton (CSUF) at my office in Irvine, CA.  Two of those attendees were John and Tom Summerfield of Cascade Pump.  Even though they were not sure their business would continue into the 3rd generation as a family owned business, they wanted to explore the challenges and opportunities of maintaining their parents business into the 3rd generation. On January 20< [. . .]

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Outlook 2015: In Transit

Posted in: Financial Planning
January 26th, 2015

By Bill Sornstein

As we look ahead to 2015, we see a year that will be marked by transitions. Likely changes in monetary policy around the world, the return of volatility, and the recent shift in the political balance of Congress could mean 2015 is a year that will have the global economy, markets, and central banks all on the move. LPL Financial Research has identified significant elements that will be in transit in 20 [. . .]

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Covered California Health Insurance Tax Reporting

Posted in: Financial Planning
January 22nd, 2015

By Rachel Owens

Now that the Affordable Care Act has finished the first year of coverage, many Californians will face a new challenge when filling their 2014 tax returns.  Each person covered through the State Exchange (CoveredCA), will be issued a new form 1095A.  This form will outline the amount of subsidy they either received or were entitled to receive.  This amount must be reported with the 2014 income tax filing on a new tax form:  8962. As this is a whole new process, it is likely to cause confus [. . .]

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How many more healthcare changes will they impose?

Posted in: Employee Benefits
January 12th, 2015

By Rachel Owens

Just as you thought it was safe to make planning decisions on your company benefits, the State of California is changing some of the rules.  At the beginning of 2014, the State decreed that all employees would be eligible for your group coverage no later than the first of the month following 60 days of employment.  Even though the Federal standard was 90 days, California legislators decided on 60 days.  Now the legislators and the Governor have 'seen the light' and are bringing the California [. . .]

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Business Succession, A Life or Death Decision

Posted in: Business Succession
January 12th, 2015

By Bill Sornstein

"Queen Elizabeth visited the set of 'Game of Thrones' and said things are hard to keep track of because everyone keeps dying - to which Prince Charles replied, 'Not everyone'. "  -Jimmy Fallon Like monarchs, some business owners plan to control the company until the day they die.  Unlike royal succession, succession at death can wreak havoc on a family owned business.  In our experience, small businesses often lose talented and motivated family members and key employe [. . .]

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Welcome to Tri-Circle Financial Strategies

January 12th, 2015

By Bill Sornstein

Over the years we have maintained two separate identities:

  • Succession Strategies, providing business consulting for succession planning
  • Tri-Circle Financial & Insurance Services, providing financial planning and products for businesses and individuals
We decided it was time to merge these into one firm with one focus - providing clear and straightforward financial guidance for businesses and individuals. As the name i [. . .]

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Rachel Owens and William Sornstein are Registered Representatives with and Securities and Financial Planning offered through LPL Financial, a Registered Investment Advisor, member FINRA / SIPC. The LPL Financial registered representatives associated with this site may only discuss and/or transact securities business with residents of the following states: California, Arizona, Iowa, Nevada and Texas.