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Bradly Stevens MBA, LUTCF®, CLU®, ChFC®, WMCP®, CEPA™

(909) 307-4945

Blog

As an experienced Financial Advisor with a focus on education blogging has come to light as another tool to help visitors of my site gain valuable financial information. Stay informed by visiting my blog  as I will periodically post new content that is relevant to those interested in our financial world. 

Tuesday, October 10, 2023

Starting and running a small business is a dream for many aspiring entrepreneurs. It's an exciting journey filled with opportunities, but it's also riddled with financial challenges that can make or break your business. The key to...

 

Friday, October 6, 2023

Physicians are often seen as dedicated medical professionals whose primary role is to heal and care for patients. However, in today's healthcare landscape, many physicians have taken on an additional role – that of a business...

 

Tuesday, October 3, 2023

In the ever-evolving landscape of business, small business owners often find themselves navigating through economic uncertainties that can range from market fluctuations and regulatory changes to unforeseen global events like pandemics...

 

Tuesday, September 12, 2023

The world of finance has been abuzz with the recent news that interest rates have reached their highest levels in over two decades. As of [insert date], the benchmark interest rates have surged to a level not seen since 2001. This...

 

Thursday, September 7, 2023

The 4% rule has been a widely accepted guideline for retirement planning for decades. This rule suggests that you can safely withdraw 4% of your retirement portfolio's initial value each year, adjusting for inflation, to ensure your...

 

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Wednesday, August 30, 2023

Executive Benefit Strategy Many of my business owner clients tell me that they worry about two things: How to protect their business in the short term, particularly with respect to keeping their key employees on the payroll; and What...

 

Monday, July 31, 2023

Economic ups and downs are an inherent part of any economy's life cycle. While periods of prosperity may bring growth and prosperity, they are inevitably accompanied by downturns that can leave us wondering what exactly a recession is....

 

Thursday, July 20, 2023

The financial world has witnessed a dramatic transformation in recent years, with the advent of innovative technologies and blockchain solutions. Among the most disruptive trends in the financial realm is the rise of Decentralized Finance..

 

Thursday, July 20, 2023

Running a business is akin to steering a ship in a vast ocean. It requires meticulous planning, adaptability, and strategic decision-making. Yet, amidst the daily hustle and bustle of entrepreneurship, one critical aspect often gets...

 

Thursday, June 15, 2023

Compound interest is a remarkable financial concept that has the potential to transform your savings into a substantial fortune. Unlike simple interest, compound interest not only pays you for the initial principal amount but also...

 

Tuesday, May 16, 2023

The United States is known for its economic prowess and the stability of the U.S. dollar as the world's reserve currency. However, what would happen if the United States were to default on its debts? The mere thought of such a scenario...

 

Thursday, April 20, 2023

Would you like to get organized and take control of your financial situation? Do you know where to start and what plan to follow?With so much to handle in our financial lives, figuring out where to begin can be a struggle.With more...

 

Tuesday, March 28, 2023

For many years, the United States operated on a gold standard, meaning that the value of the US dollar was tied to a specific amount of gold. However, in 1971, President Nixon announced that the US would no longer convert dollars to...

 

Wednesday, March 15, 2023

As the backbone of the economy, small businesses play a vital role in job creation and economic growth. However, when it comes to providing retirement benefits for their employees, many small businesses are often left behind. According...

 

Thursday, March 2, 2023

A buy-sell agreement is a legal contract that outlines what will happen if one of the owners of a business wants to sell their shares or if they become incapacitated or die. It is essential to have a buy-sell agreement in place to avoid con

 

Thursday, March 2, 2023

Becoming a physician is a significant accomplishment that requires years of hard work, dedication, and sacrifice. However, along with the satisfaction and fulfillment of a career in medicine, new physicians also face financial challenges th

 

Tuesday, February 28, 2023

When it comes to life insurance, there are two main types: term and whole life. Term insurance is a policy that provides coverage for a specified period, such as 10, 20, or 30 years. Whole life insurance, on the other hand, is a policy...

 

Friday, February 17, 2023

In many cases, a significant portion of a business owner's net worth may be tied up in the value of their small business and its assets. However, what happens when that business can’t be sold?

 

Tuesday, February 14, 2023

Employee Stock Ownership Plans (ESOPs) are a type of retirement savings plan that gives employees ownership in the company they work for. This is achieved by offering employees stock options or allowing them to purchase company stock...

 

Tuesday, February 14, 2023

Unparalleled protection for physiciansYour biggest asset as a physician is your ability to practice medicine. If you could no longer see patients due to an illness or injury of your own, what would your future look like financially?As...

 

Monday, February 6, 2023

Life insurance is a contract between an individual and an insurance company that provides financial coverage to the policyholder's beneficiaries in the event of their death. This coverage can provide a safety net for loved ones who are...

 

Monday, January 30, 2023

What can you miss by focusing only on the future?With all due respect to your father’s guidance, you should consider the order of how you deploy your new money savings before ONLY maxing out your contributions to a 401(k), 403(b)...

 

Tuesday, January 17, 2023

Business continuation planningWhen it comes to planning for tomorrow, as a successful business owner, it’s likely that you don’t just think about your own future; you also worry about the longevity of your company...

 

Tuesday, January 17, 2023

Stocks rallied last week thanks to fresh confirmation of inflation’s cooling trend and growing optimism that an inflation slowdown may provide the Fed with space to ease up on future rate hikes.The Dow Jones Industrial Average...

 

Wednesday, December 7, 2022

The dreams of small business owners and the business plans they create to outline the strategy to fulfill those dreams rarely include the insurance protections that every business owner needs. Yet, it’s essential to have adequate protection

 

Tuesday, June 28, 2022

Why Do We Insure Our Cars for More Than Our Lives? During financial planning meetings with my clients I always evaluate the protection portion of their financial world. That includes looking at their auto, home, life, medical and...