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Welcome to the Kobes Sandberg Zborowski Group Journal! Each month, we’ll share financial insights, updates, and topics we believe you’ll find valuable and relevant.

Thursday, May 21, 2026

Learning English taught me how frustrating it is to understand something but struggle to say it. Finance can feel the same—full of confusing terms. Let’s translate it into plain, simple language.

Friday, April 17, 2026

A closer look at tax-efficient strategies and investment accounts designed to help children and grandchildren build long-term financial security - starting sooner than you may think.

Wednesday, March 11, 2026

As many of us are planning upcoming Spring Break trips, there may be some new sticker shock for travel costs. I know that I have seen airline flight costs increasing, and the price of gas at the pump will be making road trips more...

Monday, February 9, 2026

What if the biggest forces shaping your financial future are the ones you can’t predict? Explore how to build a plan resilient enough for whatever 2026 brings.

Friday, December 12, 2025

2025 delivered surprises and wins across the board. Stocks surged, global markets outperformed and new tax laws could put more money in your pocket.

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Thursday, November 13, 2025

Ever wonder why everyone says ‘Don’t fight the Fed’? Let’s break down how the Fed moves rates, affects your money, and why its influence is a big deal.

Sunday, October 12, 2025

Let’s talk estate planning but - not the scary, complicated kind. Think of it as a thoughtful way to protect your family, your wishes, and your finances.

Thursday, September 11, 2025

Ways to protect yourself and your assets from identity theft.

Friday, August 8, 2025

Back in May, we shared our expectations for the new Tax Bill. Now that it's officially been signed into law, here are a few takeaways to keep in mind.

Wednesday, July 2, 2025

Navigating Change - In Life and in Finance.

Monday, June 9, 2025

I am jumping off my post as financial advisor and entering a new stage of retirement myself. I consider the valuable lessons learned and what I hope to implement on this next journey.

Friday, May 16, 2025

The implementation of tariffs by the current administration is one of those events that has caused a lot of conversation and concern recently.

Wednesday, April 9, 2025

You must have faith in the future to be an investor. Keep your eyes on the horizon not on the immediate step in front of you.

Friday, February 7, 2025

When you face a fork in your road, whether it is an early retirement offer, an unexpected divorce, a medical emergency, or even a wildfire burning down your home in the LA area, do you have a plan?

Monday, January 13, 2025

The number one most popular resolution according to a 2024 Statista Poll is to save more money with 21% of people surveyed picking that as one of their resolutions.

Monday, December 9, 2024

As the holiday season approaches, many of us find ourselves reflecting on the joy of giving. Whether it’s a heartfelt gift to a loved one or a charitable donation to a cause close to our hearts.

Wednesday, November 6, 2024

Your index fund invested to match a stock index may change in ways that you may not realize over time. Review and understand what you are invested in. Retiring soon, review the four stages of retirement.

Thursday, October 10, 2024

Historically, election years have been good for stocks. The average return during an election year since 1944 has been almost 11%.

Thursday, September 12, 2024

It feels like every day, we’re discussing a Long-Term Care issue—whether it’s for a client, a client’s family member, or someone in our own families. Maybe it's a loved one moving into an assisted living facility or transitioning to...

Friday, August 9, 2024

When I started my working life many years ago at age 16 – I found myself working at McDonalds learning various skills related to running a fast-food restaurant. Unfortunately, my older brother was assistant manager (age 20), and he...

Tuesday, July 16, 2024

New Beginnings: Joining the Team, Summer Adventures and Olympic Insights

Tuesday, June 18, 2024

The basic idea of a bond investment is easy to understand. You simply buy a debt obligation, or bond, from an issuer, collect regular interest payments over the life of the bond, and then get your principal back when the bond matures.

Friday, May 10, 2024

Over the last few decades, the cost of higher education has increased significantly.

Monday, April 22, 2024

In the past month we lost an insightful psychologist and behavioral economist, Daniel Kahneman, who died on March 28th. We are entering a classic time during the calendar year that can challenge our convictions and investment rationale...

Thursday, March 14, 2024

tax planning and estate planning are an important part of the discussion we have with you as we work together to minimize your tax burden, both now and for future generations

Friday, February 9, 2024

A HSA is a savings vehicle that is only available to participants in a High Deductible Health Plan (HDHP). It allows the participant to save for future healthcare needs on a pre-tax basis.

Wednesday, January 17, 2024

New Year suggests a New You? Or, at the minimum, cleaning up old items from the past year that never got done.

Monday, December 11, 2023

Outlook for the markets 2024

Monday, November 20, 2023

Your favorite charity may be in more need than ever today. This holiday season, we are thinking about the impact our time, talents, and treasure can make. 

Thursday, October 12, 2023

In the past 15 years – we have existed in a world where lower interest rates impacted our investment experience. We got used to stocks being the only investment needed. We also got used to using lower cost credit to leverage nearly all our

Monday, October 2, 2023

Monday, September 11, 2023

I recently watched a documentary on the Titanic.  It was produced around the 100-year anniversary of that tragic night the ship struck an iceberg and sank to the bottom of the ocean. So many things went wrong on that fateful night...