Asset Planning, Inc Blog

The latest from the team.

Important Message to Our Clients


Coronavirus Message



Continue reading
  162 Hits
162 Hits

Market Update

The coronavirus has returned volatility to the markets.  Last week the major stock indices were either up or down 2-3% daily. Price declines in oil over the weekend rattled the markets on Monday with a historic 2,000 point drop on the Dow but we recovered more than half those losses on Tuesday. We certainly empathize with our clients’ natural worry over this . As your advisors, our job is to remain objective and not panic in regards to making portfolio decisions.

At this time the technical data is pointing to this being a correction as the strength of current economic data shows no sign of a recessionary bear market. There will be some economic fallout from the virus, but we must keep in mind that our economy is robust and diverse.  Some sectors were hit very hard by the virus such as travel while other areas are benefiting due to the stock piling of consumer goods.  Over the coming days and weeks we will be monitoring the economic data very closely and we will make changes to the portfolio if risks increase or buying opportunities emerge.

Continue reading
  282 Hits
282 Hits

Tips to Protect Against the Coronavirus

We don’t want to add to the mass hysteria that is surrounding the COVID-19 virus and we’re not going to tell you to run to your local Costco to stock pile large amounts of toilet paper and water, but we are concerned for our clients and feel it was important to share some tips that were passed along to us by a pathologist. While not fool proof, taking these precautions may help you avoid not only the Coronavirus but the flu as well!

1) NO HANDSHAKING! Use a fist bump, slight bow, elbow bump, etc.

2) Use ONLY your knuckle to touch light switches. elevator buttons, etc.. Lift the gasoline dispenser with a paper towel or use a disposable glove.

3) Open doors with your closed fist or hip - do not grasp the handle with your hand, unless there is no other way to open the door. Especially important on bathroom and post office/commercial doors.

4) Use disinfectant wipes at the stores when they are available, including wiping the handle and child seat in grocery carts.

5) Wash your hands with soap for 10-20 seconds and/or use a greater than 60% alcohol-based hand sanitizer whenever you return home from ANY activity that involves locations where other people have been.

6) Keep a bottle of sanitizer available at each of your home's entrances. AND in your car for use after getting gas or touching other contaminated objects when you can't immediately wash your hands.

7) If possible, cough or sneeze into a disposable tissue and discard. Use your elbow only if you have to. The clothing on your elbow will contain infectious virus that can be passed on for up to a week or more!
What I have stocked in preparation for the pandemic spread to the US:

1) Latex or nitrile latex disposable gloves for use when going shopping, using the gasoline pump, and all other outside activity when you come in contact with contaminated areas.

Note: This virus is spread in large droplets by coughing and sneezing. This means that the air will not infect you! BUT all the surfaces where these droplets land are infectious for about a week on average - everything that is associated with infected people will be contaminated and potentially infectious. The virus is on surfaces and you will not be infected unless your unprotected face is directly coughed or sneezed upon. This virus only has cell receptors for lung cells (it only infects your lungs). The only way for the virus to infect you is through your nose or mouth via your hands or an infected cough or sneeze onto or into your nose or mouth.

2) Stock up now with disposable surgical masks and use them to prevent you from touching your nose and/or mouth (We touch our nose/mouth 90X/day without knowing it!). This is the only way this virus can infect you - it is lung-specific. The mask will not prevent the virus in a direct sneeze from getting into your nose or mouth - it is only to keep you from touching your nose or mouth.

3) Stock up now with hand sanitizers and latex/nitrile gloves (get the appropriate sizes for your family). The hand sanitizers must be alcohol-based and greater than 60% alcohol to be effective.

4) Stock up now with zinc lozenges. These lozenges have been proven to be effective in blocking coronavirus (and most other viruses) from multiplying in your throat and nasopharynx. Use as directed several times each day when you begin to feel ANY "cold-like" symptoms beginning. It is best to lie down and let the lozenge dissolve in the back of your throat and nasopharynx. Cold-Eeze lozenges is one brand available, but there are other brands available.

There will be NO drugs or vaccines available this year to protect us or limit the infection within us. Only symptomatic support is available.

Continue reading
  269 Hits
269 Hits

Pet Donation Drive Extended!

With the craziness of the holidays we have decided to extend our pet donation drive. The last day to drop off items is Friday, February 14th.

Here is the information of what type of items we can accept:

MEDICATIONS- They accept dog, cat and people medications. Expired medications are fine too.

Antibiotics (ANY)
Especially: Clavamox,
Baytril, Albon, Biaxin,
​Doxycycline, Ciprofloxin,
Orbax, Augmentin,
Amoxicillin, Cephalexin,
Clindamycin, Erythromycin,
Azithromycin, Fungal Meds,
Heartguard, Nexgard,
Ivermectin, Dewormer
Lixotinic, ​Frontline, ​Revolution
Capstar, NutriCal
Ear & Eye Infection Medications
Pain & Anti-Inflammatory Medications

We will be shipping the medications to an organization that helps in disaster relief areas.

New or gently used items such as:

These items will be dropped of at a local SPCALA location to be distributed by DART (Disaster Animal Response Team) where they are needed the most.

As always, we appreciate all of our clients generousity!

Continue reading
  365 Hits
365 Hits

Happy Holidays from Asset Planning Inc!

Happy Holidays


Continue reading
  235 Hits
235 Hits

Tis the Season for Scammers

The holiday season brings out a lot of good in most people but there are many that look to take advantage at this time of year as well. Here is an article from the FTC with things to remember when purchasing gift cards for family and friends.

Tips for holiday gift card shopping

Continue reading
  292 Hits
292 Hits

Phones are back up!

Our phones are back up and you can resume using our main 714-827-5794 number.


Thank you for your patience!

Continue reading
  222 Hits
222 Hits

Phone lines are temporarily down

We are switching our phone service so our main phone number (714-827-5794)  is temporarily down. If you need to reach us by phone please call Melani on her direct line at 714-780-2757.

Thank you for your understanding during our transition!

Continue reading
  213 Hits
213 Hits

Happy Thanksgiving from Asset Planning

Thanksgiving 2019.

Continue reading
  342 Hits
342 Hits

Schwab and TD Ameritrade Merger

Dear Clients,

As you may have heard in the news, Charles Schwab and TD Ameritrade have reached an agreement for Schwab to acquire TD Ameritrade. The combined company will retain the Schwab name, and will reflect the best that each legacy firm has to offer, including leading wealth management and trading platforms.

For now, the transaction is subject to customary closing conditions and is expected to close in the second half of 2020. During that time, there should be no impact to how you work with us or TD Ameritrade Institutional.

If you have any questions, please feel free to reach out. If you would like to learn more about the transaction, visit for details.


Sandy, Carol and Erin

Continue reading
  217 Hits
217 Hits

By accepting you will be accessing a service provided by a third-party external to

Search Blogs Module

Wait a minute, while we are rendering the calendar
parking spots check lists COVID -19 virus illiegal robocallers email notifications Roth IRA Charles Schwab documents home break-ins Erin Nelsen clients “ skimmer ”. interest Financial Planning Magazine pet supplies pets people medications home mortgages disaster areas information Facebook pet industry records Kraig Mathias flash drive cell phone SIM swap scam debt donation items pet 23 andme holidays approach health care costs October 1 2020. banking Open House April 11 Social Security pet donation drive D premiums trust California Lions Friends July 6 Medicare Part B premiums February 14 insurance policy https :// house sitter 401K executive order life saver paperwork clutter Part D premiums . January 10 jury duty blog post earnings fallout health care services Coronavirus Aid CARES Act retirement planning April 18 2017. credit cards tax returns credit card fraud media accounts money Legal robocalls self-help topics IRS deadline portal September 8 Flexible Spending Account IRS credit card company Medicare home credit freeze home emergency preparedness kits National Ice Cream month Wells Fargo customers relief efforts Open Enrollment web address cell phone service provider July weekend 20 year anniversary gap insurance birth certificates borrowing money vision screening Economic Security stock pile offering insurance clone counterfeits vacation home emergency kit cell phones retirement plans https ://seekingalpha DNA test kits IRA accounts payments tax filing deadlines checklists Facebook profile donation counts partner /owner September 30 2020. EEChecklist-Kits.pdf stockpilingchecklist.pdf toilet paper card reader markets wells Fargo company opt-out prescription eyeglasses memorial Day weekend 2017 Equifax breach Federal Trade Commission website account numbers 2018 IRA contributions chip-enabled EMV cards integral member Mobile Banking Security Tips 900 number non-prescripstion sunglasses emergency kit Treasury Department Victor Dergunov credit monitoring service CERTIFIED FINANCIAL PLANNER exam credit score 2017 TD Ameritrade National LINC Conference news coverage phishing scams Two-Step Verification emergency folder Supplemental Security Income trustee items Asset Planning tax deadlines spring cleaning Part B identity theft ice cream 70 1/2. Puerto Rico scams cell phone carriers offer increase policy operations manager Fox News story Wells Fargo employees information insurance policies estate planning direction driver license fun facts bottom line paper records Retirement Contribution Limits April 15 coronavirus tax records FEMA website tax season Medicare question stimulus package rescue organizations client portal privacy settings estate Healthcare tax deadline assets market turmoil family members settlement options student loans app spread CFP ® Auto insurance 4 pm -8pm Kiplinger Letter identity thieves Medicare Advantage notary services interest rates phishing sites June 29 Shred paperwork cell phone carriers estate planning phone drive /usb asset Planning Notary Public ice cream event emergency kits business hours earthquake app Orange County water … Brexit vote fun atmosphere Amazon CA FTB retirement Independence Day car loans text messages consumer spending Orange County Superior Court retirement accounts July 3 rd September 9 contribution limit summer Joey Gonzales ID card investment statements VOIP landline phones team members fees years TD Ameritrade privacy notices president Trump home security Medicare plan cell phone provider FSA breach phone companies spam phone July 4 2017 IRA contributions hurricane Dorian padlock Labor Day Medicare Part B Expired medications clients show support Social Security Administration official certification Ice Cream Social Affordable Care Act