Welcome to “PWR’s San Diego Experts” column. Betsy is an Aging Life Care Manager and is a great resource for elder care living options and creating a safe space for individuals to age in their homes.

Google is the leading search engine today, but before Google, there was Excite, Lycos, and many more that did not catch on. Given that perspective, it is reasonable to assume that many of today's cryptocurrencies will not last another 10 years, falling by the wayside to a single cryptocurrency that hasn't been invented yet.

We are staying on top of some key economic developments this quarter. While shifts are being made constantly in this ever changing landscape of the economy, here is a review of the current economic outlook and interest rates.

If your care plan isn't in writing yet, this will help you get started. Someone turning age 65 today has a 70% chance of needing some type of long-term care services. Costs average $80K per year and can last for 3 years or more. How are you planning to pay for this?

Advice for what you should be doing financially at all stages in your life.

The debate is no longer about active versus passive - passive is taking over. Instead, it's about which type of indexing methodology is best.

What I have learned since being an owner is that there are other costs of homeownership that aren't often discussed or known. I have now realized I didn't account for the one thing, that as of today, has been my biggest homeownership expense.

You're frustrated with Wells Fargo and looking for a change. For those that are ready to leave but not sure how to get started, we outline the steps.

Social Security estimates are essential for our planning, but the system needs a change in order to continue to pay 100% of its payouts indefinitely.

You're busy - and you haven't explored ESG-investing yet. Here are some reasons why you may be hesitating.

I am a financial planner. I am educated on the laws of supply and demand, on interest rates, saving and the value of a dollar. I still bought my house at the peak of the housing market in 2018 and...I don't care.

Robo-advisors fill a need. They are serving people with a small amount of money who haven't traditionally been served by advisors. That being said, PWR is not a robo-advisor and we have no plans to become one. 

Linda Answers: My spouse and I recently decided to get a divorce. What should we expect with regards to the divorce process and its financial implications? I am particularly concerned about how my retirement plan will be affected.

Linda Answers: Should I save to my pre-tax 401k at work or my Roth IRA? I cannot fully fund both.

A credit freeze and a credit lock are two separate services. They are very similar but do have distinct differences.

FIRE stands for financially independent, retire early. The movement continues to grow, with retirees in their 20's through 40's. It has caught on because it is unexpected - we don't picture retirees being so young.

I moved to consulting status - now what? This transition can be confusing, but as long as you stay organized you will be fine. Here are some recommendations to help get you started.

We are even seeing a new wave of Ponzi schemes involving virtual currencies, such as Bitcoin. Here is a summary of what to look for to protect yourself against Ponzi schemes.

Hopefully, this will help you decide which of your cards you should bring, what fees you should know about, and when to use a debit card versus a credit card.

We created the PWR Cash Flow System to help our clients and readers get started with an easy-to-use solution to track their spending.