Articles, Blog Entries and Case Studies

  • Should I Pay Off My Mortgage or Invest?

    Should I Pay Off My Mortgage or Invest? Given the current environment of historically low interest rates, we have received a lot of questions about whether to pay off one’s mortgage or consider refinancing. We actively track the mortgage market vis-à-vis our client records, and reach out to them when we see potential savings that a re-finance might bring.   Read More...

  • Market Rules to Remember

    As you know, at Pauley Financial we don't subscribe to the sensationalism of the financial press or prognostications about future market returns. We happened upon two of Bob Farrell's rules recently that reinforce some of the rationale behind this philosophy and approach. These rules may help to rationalize volatile sentiments that are increasingly rampant in investor behavior.  Additionally, new tax planning opportunities await us as "Obamacare" moves ahead (new Medicare tax).   Read More...

  • The Great May Swoon

    Bond Anamolies At Pauley Financial, we believe clients’ portfolios should be customized to match one’s risk tolerance as closely as possible, and should take into account one’s years until retirement. Introducing bond exposure to portfolios usually not only can help reduce risk, but also can diversify one’s exposure geographically. As a firm that is rooted in military service, we believe our role is to ensure our clients are disciplined about maintaining their target exposures to U.S.   Read More...

  • Financial Planning in a Complex World

    Financial Planning in a Complex World - Money matters can be a significant source of stress for individuals and their families. News of the recent overwhelming trading losses at JPMorgan (a firm that has heretofore been considered an industry icon in risk management) is a tell-tale reminder of the vagaries of the financial markets. Adding additional stress is the European situation which, again, has cast itself into the limelight as Greece contemplates leaving the EuroZone and Spanish banks are ...  Read More...

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401(k) Resource Center

You and Your 401(k) Retirement Plan

Your 401(k) is a key element of your overall financial plan. Importantly, it enables you to ‘pay yourself first’ by making contribution elections to fund your retirement and other goals directly from your paycheck.


  • Decide ‘Roth’ vs. ‘Traditional’ contributions –Traditional 401(k) contributions are made with pre-tax dollars – defers taxes on your contribution and gains until you withdraw funds. ‘Roth’ contributions are made with post-tax dollars – you pay the taxes on your contribution now but pay no tax when you withdraw your contribution or the gains (providing you are at least 59 ½ at the time of withdrawal).
  • Determine your Risk Tolerance - Important factors to consider in assessing your risk tolerance include your goals, your investment time horizon, and your current financial situation. The Investor Profile and Asset Allocation Calculator can help with assessing your risk tolerance and indicate an asset allocation suitable for you.
  • Select Funds for your Asset Allocation. From the fund menu, select and assign percentages to funds in the asset classes which best support your situation. Provided are two approaches:
  • A ‘basic’ core strategy with a limited number of funds which contain multiple asset classes and providing exposure to the bulk of the world’s capital markets.
  • An ‘advanced’ core and satellite strategy delineating a more robust selection of fund choices per asset class.
  • Ensure your beneficiary designations support your estate plan – failure to do so may undermine the estate plan you’ve worked out with your estate planning attorney. Consider checking with your attorney for direction.

Planning and Investing Basics

Planning and Investing: Digging Deeper