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Deb Sims_Women Financial Advisor

At Engaging Women in Wealth, led by Deb Sims, we believe education can help empower women to feel more confident in their decision making and better understand their financial situation and opportunities. We invite you to read our latest articles and thoughts. If you have any questions or would like more information about these topics, please contact our offices in Rancho Santa Fe and Old Town San Diego.

 

Tuesday, June 13, 2017

The passing of a parent or loved one is traumatic. Often financial accounts and personal information have not been spelled out for those they leave behind. It was a year after a client’s father had passed that she understood the...

 

Sunday, January 29, 2017

Now that inauguration day has passed, Donald Trump is the 45th president of the United States. Trump made many campaign promises, and many of us are wondering which of them will become a reality. He has been busy in his first few days...

 

Saturday, January 7, 2017

January has always been one of my favorite times of the year. I love the feeling of a fresh start in the new year, and being proactive about putting my goals into place. 2016 certainly was a memorable year. Even with a lot of turmoil...

 

Wednesday, December 14, 2016

As 2016 draws to a close, the last thing you probably want to think about is tax season. But if you are an employer or small-business owner, you need to get on the tax ball sooner rather than later due to a new IRS deadline for the...

 

Sunday, November 13, 2016

After a tumultuous and dramatic election season, the results are in. This election was certainly one for the history books. Because both polls and markets had expected a Clinton victory, the markets are reeling from the surprise...

 

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Thursday, November 10, 2016

Are you ready for the New Year? It is almost here! With so many of us about to set resolutions to better ourselves, we thought we would challenge you to a little financial quiz! Understanding your financial plan is the best way to make...

 

Friday, October 28, 2016

Scams are a dime a dozen these days. We come across scams every time we open our email or receive a phone call from an unfamiliar number. While most scams are blatant and easy to ignore, some scams are deceptively genius and even the...

 

Friday, October 7, 2016

Deb Sims, principal of Estate Management Group, recently attended the Summit Brokerage National Conference held at the Boca Raton Resort & Club located in Boca Raton, Florida, September 8-10, 2016. This year’s theme for the...

 

Tuesday, October 4, 2016

Whenever you pick up a newspaper, visit a news site, or listen to the radio, you’re bombarded by the trendy investment advice of the moment or exaggerated claims on how to beat the markets. It's difficult for even the savviest of...

 

Wednesday, September 14, 2016

No matter how much you have saved towards retirement, Social Security will probably play a large role in your retirement income strategy. After all, the average American gets 34% of their retirement income from Social Security,...

 

Thursday, August 11, 2016

Back in 2012 mortgage interest rates hit record lows, down in the mid 3’s for 30-year fixed rate loans. People were eagerly snapping up new loans to take advantage of the unprecedented rates. The Mortgage Bankers Association even...

 

Wednesday, July 27, 2016

the markets are as unstable and confusing as they have been over the past several years, even the most patient investors may come to question the wisdom of the investment strategy they have been following. Not only that, but life...

 

Wednesday, July 27, 2016

The 2016 general election is now in full swing. Donald Trump and Hillary Clinton are fighting tooth and nail as November 8 nears and our nation’s future is decided. Emotions are running high, as the results of this election will...

 

Sunday, July 17, 2016

I am honored to announce that our firm, Estate Management Group, is a nominee in the best financial planner or wealth management category for the annual Del Mar Times “Best of North Coast Reader’s Choice Poll.” I love...

 

Friday, July 15, 2016

Have you ever had buyer’s remorse the day after a cheer-me-up shopping trip because you couldn’t really afford it? Have you ever let fear of failure keep you from investing, or even making a budget? If you have, you know...

 

Tuesday, July 5, 2016

As Benjamin Franklin so famously wrote, “In this world, nothing can be said to be certain, except death and taxes.” As a businesswoman, you prepare for taxes. You have probably spent hours over the years preparing for...

 

Monday, June 27, 2016

As you’ve likely heard in the news, voters in the United Kingdom (U.K.) have chosen to leave the European Union (E.U.) after 43 years of membership. The resulting “Brexit” will likely affect the U.K. markets as well...

 

Wednesday, June 15, 2016

 

Thursday, June 2, 2016

For many women, estate planning is one of the most important parts of our financial lives. While we enjoy our money and the things it can buy for us, what matters most to us are our families and our loved ones. We have worked hard and...

 

Thursday, June 2, 2016

If you were to remodel your home, you wouldn’t trust just anyone. You would interview several interior designers first to see who you were most compatible with that would understand your vision for your home and work within your...

 

Friday, May 13, 2016

If you aim to be successful, it’s vital to collaborate with the top minds in your industry. The wealth management industry is no different; we achieve more by collaborating with leading investment strategists than we could...

 

Tuesday, May 3, 2016

Our business is different from other businesses in a few ways, but perhaps one of the main differences is how we grow and flourish. Simply put, at Engaging Women in Wealth, we run on referrals, and we are grateful for them. Your...

 

Tuesday, April 5, 2016

Recently, I was asked if I have any simple rules for financial planning. The truth is, there are many things to consider, because wealth management is complex. But the question got me thinking. If I had to simplify all the knowledge...

 

Tuesday, March 29, 2016

As we approach the end of tax season, mutual fund investors may be surprised to face what many call a “double whammy” — paying capital gains taxes on investments in mutual funds that incurred losses in 2015. In most major markets last...

 

Wednesday, March 16, 2016

It’s almost April, which means tax season is approaching. As you prepare to file your taxes, don’t forget that you also have until April 18th to contribute to your IRA for tax year 2015. At first glance, IRA contribution...

 

Monday, March 7, 2016

Tax season is in full swing and so are tax-related scams. The IRS has already seen a 400% increase in phishing and malware incidents and, since January, there have already been 1,389 reported incidents. Tax-related identity theft can...

 

Tuesday, January 12, 2016

Last week was an awful trading week on Wall Street, with the S&P 500 posting its worst year-opening week in history by losing 6%. Global stock markets lost $2.3 trillion, alarming investors who worry about the market forecast for the...

 

Thursday, January 7, 2016

One of the great things about a new year is that it gives you the opportunity to look back at the previous year and reflect on all that happened. For the financial markets, 2015 was a challenging and whirlwind of a year. While we can’t...

 

Tuesday, December 22, 2015

It can be nerve-wracking watching the news and hearing about the markets “plunging,” “diving,” “free-falling,” and the like. With talk of wars, natural disasters, and corporate accounting scandals many people pull out of the stock...

 

Tuesday, December 22, 2015

It’s the season of giving, so we'd like to share some tips for smart charitable giving this year. Recently, you have likely been bombarded with requests from charities in your email inbox and as your shop for gifts. But before you pull...

 

Tuesday, December 22, 2015

So many of us seem to have a love/hate relationship with New Year’s resolutions. Every year, we create resolutions, only to push them to the back of our minds by April. If this scenario sounds familiar, you’re not alone. Studies show...

 

Monday, December 21, 2015

If you aim to be successful, it’s vital to collaborate with the top minds in your industry. The wealth management industry is no different; we achieve more by collaborating with experienced investment strategists than we could...

 

Tuesday, December 8, 2015

As we approach the end of the year, it’s a good time to review your financial plan and take advantage of some last-minute opportunities to lower your 2015 tax bill. Some items require action before December 31st, while others can wait...

 

Wednesday, November 18, 2015

Last month, the House and Senate passed a surprise bill that may make important changes to Social Security benefits. In an effort to decrease spending, Section 831 of the new budget eliminates some popular claiming strategies,...

 

Tuesday, November 17, 2015

My Turkey Trot tradition started over 13 years ago. An attorney I was working with asked me to join a his team and family to run in 5k Turkey Trot in downtown San Diego, called the Run for the Hungry. I had so much fun being with the...

 

Tuesday, November 17, 2015

The series of coordinated terrorist attacks that shook Paris on Friday have left at least 129 dead and hundreds wounded. Our thoughts are with the victims and their families in this difficult time. Coming after suicide bomber attacks...

 

Monday, November 9, 2015

I am excited and honored to join Best-Selling Author Jack Canfield, originator of the Chicken Soup for the Soul series, to co-write the book The Soul of Success, Vol.2 : The World’s Leading Entrepreneurs and Professionals Reveal...

 

Thursday, August 27, 2015

Late August brought a bad week for many investors. The Dow Jones dipped 1,000 points, the Nasdaq fell by 340 points, and the S&P 500 dropped 120 points. It was the worst week in several years for all three market indexes. These drops...

 

Friday, July 17, 2015

Over the course of our years working with women at Engaging Women in Wealth, we’ve discovered that many face four similar concerns: Their health Running out of money Being a burden on their children Determining if they need to be on a...

 

Tuesday, May 26, 2015

As a wealth advisor who has been in the industry for decades, I have witnessed many women experience monumental financial and emotional tragedies due to unanticipated financial needs. I have also personally experienced some of the...

 

Tuesday, April 7, 2015

For a large number of Americans, Social Security represents nothing more than an unavoidable payroll deduction. Particularly among affluent individuals, Social Security may seem unnecessary, or too cumbersome of a claiming process for...