At Sand Hill, we are proud of our partnership with many endowments and foundations, helping them navigate the increasingly complex investment landscape with confidence and ease.

At Sand Hill, we are proud of our partnership with many endowments and foundations, helping them navigate the increasingly complex investment landscape with confidence and ease.

Estate planning is a critical aspect of financial management that ensures your assets are distributed according to your wishes after you pass away.

While you are probably familiar with the term cost basis, it is not likely something you think about very often. In fact, you may only think about cost basis information when asked for it by your Sand Hill Wealth Manager or CPA.

One important, but frequently overlooked, topic is what to do in case your child becomes incapacitated… now that they are over the age of 18. This whole issue has evolved over time as new rules and regulations have been put in place that are meant to protect privacy, but which—often unintentionally—complicate interactions between loved ones.

As the costs of higher education continue to rise, people are turning to tax-advantaged 529 savings plans to help fund their children’s education expenses.

If you hold qualified small business stock (QSBS) and are thinking of starting or investing in a new venture, consider rolling your capital gain associated with your current QSBS into the new enterprise.

Brenda Vingiello, Sand Hill Global Advisors CIO, joins ‘Squawk Box’ to discuss the latest market trends ahead of the opening bell on Friday.

Medicare Advantage (MA) plans have long been a lucrative market for insurers, but recent shifts are reshaping the landscape, impacting both investors and beneficiaries.

Buying a home is a monumental financial milestone, often the most significant purchase of a lifetime. However, the financial journey doesn't end at closing.

As climate change intensifies, its impact on the insurance industry becomes increasingly apparent. Evan Greenberg, CEO of Chubb, one of the leading insurers in the U.S., recently addressed this issue at the RIMS Risk World conference in San Diego. Greenberg emphasized the rationality behind surging insurance premiums in climate-vulnerable regions and the unsustainable nature of government efforts to suppress these increases.

In this article, we will explore recent developments surrounding inherited retirement accounts. Understanding the nuances of these regulations can significantly impact your financial strategies, tax planning, and ultimately, your long-term goals.

There is a common saying that time heals almost everything. Yet, even as we embark on the fifth year since the pandemic began, most of us are still longing for many pre-pandemic norms that we used to take for granted.

When allocating to investments, understanding the dynamic relationship between macroeconomic and microeconomic factors is crucial. While microeconomic investing focuses on exposure to individual companies, macroeconomics examines broad economic trends, indicators and events that influence entire markets.

Sadly, fraud attempts are becoming much more frequent in our client conversations, and the classic—but rather obvious—example of the ‘Nigerian Prince’ needing money is long outdated. Scammers have become far more sophisticated in their tactics. Part of this is due to everyone being increasingly more comfortable interacting online, especially in the wake of the Covid pandemic. Indeed, the FBI reports a 300% increase in cyberattacks since 2020.

As a Certified Exit Planning Advisor™ (CEPA), I am committed to helping my clients navigate the complex world of business transitions and secure their financial legacies. I want to shed light on the pressing need for exit planning by sharing some eye-opening statistics and highlighting the tremendous opportunities that lie ahead. Let’s delve into the numbers and explore the reasons why exit planning is an imperative step in securing your future.

Choosing between a SEP IRA (Simplified Employee Pension Individual Retirement Account) and an Individual 401(k)—also known as a Solo 401(k) or Self-Employed 401(k)—is an important decision for self-employed individuals or small business owners planning for retirement. Each option offers compelling benefits and considerations, and the choice largely depends on factors such as income, contribution limits, and expected future business growth.

In the realm of financial planning, one often seeks strategies that not only secure their future but also optimize tax benefits. When facing medical expenses associated with long-term care or assisted living, leveraging Individual Retirement Account (IRA) funds can offer a viable solution. Understanding how to utilize IRA funds for such purposes not only eases financial burdens but also unlocks valuable tax deductions.

Owning a home brings unique considerations, especially for some properties valued over $5 million in California. It is important to stay informed about the latest changes in laws and regulations that may impact your financial decisions.

Inheriting a lump sum can be a life-changing event, and it's essential to approach it with careful consideration and planning. As experienced financial planners, we understand the weight of this situation and the importance of making informed decisions. As a starting point in your decision-making, let’s discuss the first 10 steps to take when you receive an inheritance lump sum that can help you make the most of your newfound wealth.

As experienced financial advisors, we help our clients navigate the ever-changing landscape of risks in their financial lives, which includes risks associated with climate change. In recent years, California has experienced an increase in flooding events due to changing weather patterns. Let’s discuss the importance of flood insurance and the steps you can take to protect your home from potential damage. 

Do you have a clear understanding of the basics of personal finance? According to a recent survey led by Stanford University economist Annamaria Lusardi, most Americans lack basic financial literacy skills.

When it comes to planning finances, people often get lost in the details and overlook the importance of timing. One factor to consider when setting financial goals and planning investments is the time horizon.

With the surge in senior living options available today, it is time to rethink our retirement years. Being retired does not need to mean slowing down. Moving into an independent living facility relieves you of household chores and responsibilities—allowing you more time to spend on activities that you enjoy—and provides an expanded social community.

In late 2023, The Wall Street Journal (WSJ) published an article titled “The 4% Rule for Retirement is Back” and my immediate response was, “Where exactly did it go?”

Many DAF donors want to then help special unique causes or projects, or new charities that have not yet received IRS approval to function as a qualified 501(c)(3) organization; in turn, this can result in such targeted support being rejected or delayed, causing frustration for the donor and recipient charity alike. This is where “fiscal sponsorship” can be helpful.

As we reflect on the year that just passed and attempt to forecast what may be in store for this new year, we can’t help but wonder if 2023 was the grand finale of the many unique pandemic distortions that have kept us guessing for the past four years. From the Summer of spending on experiences at any cost, to the surprise acceleration in GDP growth following the Federal Reserve’s signaled final rate hike, 2023 was another year for the history books.

In the competitive start-up culture of the Bay Area, how your personal finances are managed can be a critical factor in achieving long-term success. Sand Hill Global Advisors, a trusted independent wealth management firm in San Francisco and Palo Alto, recognizes the unique challenges faced by entrepreneurs and offers the following considerations in managing your personal finances.

As innovative industries continue to fuel growth in the Bay Area and housing supply remains limited, homeownership has become a challenging aspiration for many individuals and families. The allure of owning a home in this vibrant region is undeniable, but it requires thoughtful financial planning to navigate the unique challenges of the local real estate market.

As a professional in the tech industry, your work may involve innovation, cutting-edge technology, and rapid growth. However, navigating the world of personal finance requires a different set of skills. At Sand Hill Global Advisors, we understand the unique financial challenges faced by tech workers and offer tailored investment strategies to help you make the most of your wealth.

As a professional in the tech industry, your work may involve innovation, cutting-edge technology, and rapid growth. However, navigating the world of personal finance requires a different set of skills. At Sand Hill Global Advisors, we understand the unique financial challenges faced by tech workers and offer tailored investment strategies to help you make the most of your wealth.

According to The Goldhill Group, 75% of business owners surveyed regret selling their business after it’s been sold.  This is an alarmingly high percentage. Did these business owners not set goals for what they envisioned life would be like on “Monday” after the sale? Did these business owners not have a team of professionals surrounding them that were all aligned in the common goal of helping the business owner and his or her family meet their goals and achieve their legacy creation?

The key is determining the appropriate amount of risk for the reward you are seeking. This balancing of risk and reward is the foundation of all the work we do for clients and is critically important to long-term financial success.

If you’re a business owner, you might be wondering which insurance coverage is right for you. There are many types of insurance, and while you might be familiar with some, hazard insurance is a very important one to consider.

If you’re considering selling your business and want to use a strategy that provides ongoing and periodic liquidity, and smooths out the taxation of a sale, an installment sale may be the solution.

If you’re considering selling your business and want to use a strategy that provides ongoing and periodic liquidity, and smooths out the taxation of a sale, an installment sale may be the solution. There are several reasons this type of sale is implemented, but first, let’s explain what it entails.

Longevity risk is particularly troubling for pension funds and life insurance companies, where increasing life expectancy trends among pensioners and policy holders threaten to result in ultimate payout levels much higher than originally estimated.

Vacation living can be fabulous. The stress of daily meal preparation, schedules and work commitments fade away, allowing you to reconnect with family and friends in a way that can be challenging to do in your regular life.

Are you an entrepreneur looking to launch a new venture? You’ll likely need guidance from a wide variety of professionals who focus on the various aspects of business start-ups as you plan for the growth of your business.

While much has been made of the digital adaptations that the pandemic has forced upon businesses, so too have individuals needed to adopt new ways to manage their finances and interact with their financial advisors.

At some point in the not-too-distant future—whether through herd immunity, treatment, vaccine or a disease-state mutation—the health-related threat of the coronavirus will begin to fade away.

For those fortunate to have jobs that allow working remotely, the transition to working from home (WFH) during the COVID-19 shelter-in-place has been relatively seamless.

Congratulations! The enterprise you have worked tirelessly to create has now been sold or gone public. While you were consumed with building your business and formulating the best exit strategy, you

If you own a family vacation home in the mountains of Tahoe or anywhere else in the country or world, congratulations! The incredible memories made during family getaways can truly last a lifetime for so many generations. Since they are only used occasionally, many family homes sit unoccupied for the majority of the year, providing a ripe opportunity to transition the property into an income producing asset. This transition is often filled with a number of unforeseen complexities, which must be carefully navigated while converting a family’s second home into a Vacation Home Rental (VHR).

Gorgeous weather, fantastic food and easy access to both the mountains and beaches make Northern California an extremely attractive place to live and one of the most popular vacation destinations in the world. For homeowners who like to travel and are looking to trim their vacation budget, or simply want a unique travel experience, the idea of home swapping may be appealing.

Executives who previously determined that private jet ownership was unaffordable may now be able to justify this purchase thanks to the Tax Cuts and Jobs Act (TCJA) signed into law last December.

Flying cars may be a reality sooner than we think. Just a short while ago, this concept would probably only seem plausible decades into the future. But now that the autonomous self-driving car is quickly moving from prototype to reality here in Silicon Valley, the idea of cars traveling through the sky may not be such a futuristic endeavor.

The decision to leave a start-up carries with it a host of considerations that differ significantly from the choice to depart from an established public company. There are important issues surrounding your stock option plan that should be addressed.

Since 1993, the federal government has incentivized investment in small businesses through favorable tax treatment in order to keep the economic engine running.

Due to the proliferation of fractional jet ownership programs and Uber-like start-up services, the private jet industry has undergone a rapid transformation in recent years. With an increase both in competition and usage, the economics of private jet travel have been re-shaped. No longer is it an option limited to the extraordinarily wealthy, but it has become for many a reasonable luxury expenditure worth considering.

Venture capital is an all-encompassing life. Your passion becomes intensely focused. Your professional life becomes your social life.

Estate planning is a critical aspect of financial management that ensures your assets are distributed according to your wishes after you pass away.

Inheriting a lump sum can be a life-changing event, and it's essential to approach it with careful consideration and planning. As experienced financial planners, we understand the weight of this situation and the importance of making informed decisions. As a starting point in your decision-making, let’s discuss the first 10 steps to take when you receive an inheritance lump sum that can help you make the most of your newfound wealth.

As the year-end approaches, it is important to take note of the upcoming tax deadlines. As a financial advisor firm that believes in providing our clients with a wealth of knowledge and guidance, we want to remind you of 8 essential tax deadlines for the year 2023.

If you are in the midst of a severe medical emergency and you are by yourself, how will an emergency medical professional know your blood type, any medications you might be taking and the dosage, and if you have children or pets at home that need care if you become hospitalized or incapacitated?

As the year-end approaches, now is an ideal time to review strategic planning opportunities and preview what lies ahead in 2023. We encourage you to discuss these planning topics with your Sand Hill Wealth Manager

If you have a 401(k), an IRA or a life insurance policy, you’re likely familiar with a beneficiary designation form and how it works. You might be wondering then why you’d even bother establishing a trust if your taxable accounts and home can be covered by a TOD designation and your retirement accounts can be covered by a beneficiary designation form.

When you consider your future retirement, you may have specific ideas and preferences in mind. Perhaps one such preference is retiring in another country. While doing so can be full of fascinating possibilities and great happiness, there are specific things to be keenly aware of when structuring your successful retirement plans.

Tax planning is all about implementing a strategic plan when managing an estate or planning for retirement.

When we are young, it is challenging to appreciate an aging process that results in loss of mental capacity and/or death of our loved ones. This happens to some of us more quickly than others.

If you have recently purchased or are considering a secondary residence for use as a short-term rental or personal vacation home, you might be curious about the possible tax breaks and whether or not you can deduct your mortgage interest.

A primary goal of many affluent families is to pass assets to their beneficiaries in such a way as to not lose significant portions of that wealth to gift or estate taxes. This is a crucial part of wealth management and estate planning.

Amassing wealth comes with many benefits, but having a substantial estate comes with the repercussions of elevated taxes. Gifting portions of your assets to mitigate tax ramifications is possibly a reasonable strategy.

Dual residency is for many, an excellent way to get the most enjoyment out of your assets. Having two homes in different parts of the country allows for maximum freedom in your lifestyle, and perks abound, depending on your interests.

In the current political environment, all eyes are focused on what possible new estate tax changes might become law given the new administration’s campaign proposals.

Help with planning during difficult times of loss.

When most couples get engaged, they begin dreaming of their future life together and planning their wedding. They are not typically thinking about writing up a premarital or prenuptial agreement, also known more informally as a prenup. For many, there is the attitude that a prenup will create a negative self-fulfilling prophecy and inevitably lead to divorce; but in fact, such agreements may serve as a roadmap for a healthy financial relationship in marriage.

It’s no secret that COVID-19 has created a very challenging business environment. This is especially true for small businesses. Sadly, many small businesses have already been forced to close during the pandemic due to their fragile finances, including limited cash reserves and often few or no established financial relationships.

Like it or not, the COVID-19 pandemic has pushed us into new sets of routines and has completely upended many parts of our lives. For many, this catastrophe has been compounded by school closures, historic wildfires or taking on additional caregiving responsibilities. While this process may cause you much angst, it could be beneficial, maybe even cathartic, to document how you and your family have been navigating these uncharted and sometimes disquieting waters.

In December 2017, Congress passed the Tax Cuts and Jobs Act (TCJA), creating a significant but temporary opportunity for high-net-worth individuals to transfer a portion of their wealth to heirs free of gift and estate tax.

A GRAT may sound like a character from a Dr. Seuss book, but in reality, it is a great estate planning tool for clients with large estates who are concerned about paying gift and estate taxes. A Grantor Retained

Although equity markets are down significantly from their highs just a month ago, there are various personal financial planning strategies that could warrant immediate attention.

One of the more common requests we hear from clients is their preference to name their minor children as IRA beneficiaries. Unfortunately, minors are legally unable to own property, and therefore cannot inherit

Many critical decisions faced during the divorce process require an equal measure of legal, financial, and emotional consideration.

Brenda Vingiello, Sand Hill Global Advisors CIO, joins ‘Squawk Box’ to discuss the latest market trends ahead of the opening bell on Friday.

There is a common saying that time heals almost everything. Yet, even as we embark on the fifth year since the pandemic began, most of us are still longing for many pre-pandemic norms that we used to take for granted.

As we reflect on the year that just passed and attempt to forecast what may be in store for this new year, we can’t help but wonder if 2023 was the grand finale of the many unique pandemic distortions that have kept us guessing for the past four years. From the Summer of spending on experiences at any cost, to the surprise acceleration in GDP growth following the Federal Reserve’s signaled final rate hike, 2023 was another year for the history books.

The number of unprecedented “firsts” that we have experienced over the last few years is enough to cause any economic PhD’s head to spin. We can’t help but think that history may ultimately repeat itself as this cycle wears on, but, for now, we are still in an economic twilight zone.

Fueled by the advance of technology, flexibility of remote work, continued expansion of global business, and desirable cost of living tradeoffs for retirees, the ranks of American expats continue to swell. Per the U.S. State Department, in 2020, roughly nine million Americans lived abroad, while a 2022 Gallup poll revealed 15% of Americans would like to leave the United States permanently.

Brenda Vingiello, CFA, Sand Hill’s Chief Investment Officer, made a guest appearance on CNBC’s Closing Bell to discuss the tech companies she believes has more upside potential.

Sand Hill’s Chief Investment Officer, Brenda Vingiello, CFA, joined the CNBC Halftime panel at the New York Stock Exchange to discuss Amazon’s earnings. Her commentary begins at the 1:17 mark.

Sand Hill’s Chief Investment Officer, Brenda Vingiello, CFA, joined the CNBC Halftime panel at the New York Stock Exchange to discuss her view on Apple’s earnings and the company’s future. Her commentary begins at the 2:26 mark.

The last several years have been full of unexpected surprises, with the most recent one being the lack of a recession given that many economists had been repeatedly predicting that one was surely just six months away.

It is human nature to want to avoid loss and instead seek refuge in something that feels safe. After the very pronounced and painful market declines of last year, a new wave of participant risk aversion flooded markets as investors piled a record amount into money market funds, where $5.4 trillion of it remains as of early July.

Sand Hill’s Chief Investment Officer, Brenda Vingiello, CFA, made a guest appearance on CNBC’s Closing Bell on April 27, 2023 to share her views on Amazon ahead of the company’s reporting earnings.

With the multiple levels of support thrown at global economies and capital markets post 2019, many have forgotten what an economic cycle is, and many are too young to have experienced one.

In the investment arena, there is another unwelcome “S” word that most people prefer not to speak of. That word is stagflation.

In recent years, the U.S. retirement system has faced intense pressures. According to a Federal Reserve survey, in 2021, only 75% of non-retirees have any retirement savings whatsoever. To add to that, only 40% feel that their retirement savings are on track.

Recent events in the banking world have once again highlighted the importance of understanding how Federal Deposit Insurance Corporation (FDIC) insurance covers deposits, which prompts similar questions about how investment assets are treated in the event of a brokerage firm (broker-dealer) failure.

Sand Hill’s Chief Investment Officer, Brenda Vingiello, CFA, joined CNBC’s Squawk Box on March 20, 2023 to share her views on the Fed’s interest rates plan.

Sand Hill’s Chief Investment Officer, Brenda Vingiello, CFA, joined the CNBC Halftime Report to share her views on the current environment for regional banks. Her commentary begins at the 4:29 mark.

Sand Hill’s Chief Investment Officer, Brenda Vingiello, CFA, made a special appearance on CNBC’s Special: Taking Stock on March 6, 2023 to discuss the 60/40 portfolio.

On February 24th, 2023, Sand Hill’s Chief Investment Officer, Brenda Vingiello, CFA, joined the CNBC Halftime Report panel to share her view on consumer strength in the current market environment. Her commentary begins at the 3:51 mark.

On February 10, 2023, Chief Investment Officer, Brenda Vingiello, CFA, joined the CNBC Halftime Report investment committee to discuss the potential impact of rising rates on valuation multiples.

The beginning of every new year always brings opportunity for fresh perspectives, and usually expectations of improving upon the prior year.

Behavioral finance plays an important role in long-term investment success. We behave as we do in large part because we are affected by our emotions.

The path and pace to higher interest rates in 2022 and its impact on the bond market was like a steep and strenuous climb for even the most seasoned hikers.

On December 21st, 2022, Chief Investment Officer, Brenda Vingiello, CFA, joined the CNBC Halftime Report investment committee to share her views on earnings as we head into 2023. Her commentary begins at the 3:08 mark.

Watch Sand Hill’s Chief Investment Officer, Brenda Vingiello, CFA, join CNBC’s Squawk Box to discuss our view on bonds in this environment.

On December 8th, 2022, Chief Investment Officer, Brenda Vingiello, CFA, joined the CNBC Halftime Report panel to share our views on the energy sector. Her commentary begins at the 2:05 mark.

Watch Sand Hill’s Chief Investment Officer, Brenda Vingiello, CFA, join CNBC’s Squawk Box to discuss our view on inflation.

2022 has delivered some record drops in both the stock and bond markets. In the month of September alone, the S&P broke below the previous June closing low, declining 1.03%. Similarly, the Dow dropped another 1.11%. This type of volatility can be incredibly stressful for investors, and understandably so, but it should not be a time to panic. Instead, it’s often a sensible time to lean in.

It is not unusual for the Federal Reserve Board to tighten monetary policy when the economy is perceived to be over-heated, but such action rarely coincides with a period of back-to-back, negative Gross Domestic Policy (GDP) reports.

As financial markets continue to deliver volatile and negative returns this year, it certainly feels like one of the biggest tests of patience we have collectively felt in a very long time.

Medicare Advantage (MA) plans have long been a lucrative market for insurers, but recent shifts are reshaping the landscape, impacting both investors and beneficiaries.

In this article, we will explore recent developments surrounding inherited retirement accounts. Understanding the nuances of these regulations can significantly impact your financial strategies, tax planning, and ultimately, your long-term goals.

Choosing between a SEP IRA (Simplified Employee Pension Individual Retirement Account) and an Individual 401(k)—also known as a Solo 401(k) or Self-Employed 401(k)—is an important decision for self-employed individuals or small business owners planning for retirement. Each option offers compelling benefits and considerations, and the choice largely depends on factors such as income, contribution limits, and expected future business growth.

Inheriting a lump sum can be a life-changing event, and it's essential to approach it with careful consideration and planning. As experienced financial planners, we understand the weight of this situation and the importance of making informed decisions. As a starting point in your decision-making, let’s discuss the first 10 steps to take when you receive an inheritance lump sum that can help you make the most of your newfound wealth.

When it comes to planning finances, people often get lost in the details and overlook the importance of timing. One factor to consider when setting financial goals and planning investments is the time horizon.

With the surge in senior living options available today, it is time to rethink our retirement years. Being retired does not need to mean slowing down. Moving into an independent living facility relieves you of household chores and responsibilities—allowing you more time to spend on activities that you enjoy—and provides an expanded social community.

In late 2023, The Wall Street Journal (WSJ) published an article titled “The 4% Rule for Retirement is Back” and my immediate response was, “Where exactly did it go?”

As the year-end approaches, it is important to take note of the upcoming tax deadlines. As a financial advisor firm that believes in providing our clients with a wealth of knowledge and guidance, we want to remind you of 8 essential tax deadlines for the year 2023.

For many of my clients approaching their retirement years and beyond, this question is a common one: How will I pay for my long-term care if and when I need it?

In recent years, the U.S. retirement system has faced intense pressures. According to a Federal Reserve survey, in 2021, only 75% of non-retirees have any retirement savings whatsoever. To add to that, only 40% feel that their retirement savings are on track.

2022 saw a dramatic rise in interest rates, including rates on home mortgage loans. The rise was so swift that many potential home buyers were quickly priced out of the market. As the mortgage landscape has shifted from the historically low rates we all enjoyed these past few years, it is important to understand an important nuance of how home loans work prior to stepping back into the market.

It is the start of a new year and if you are one for making resolutions, now is a great time to add some financial planning resolutions to your list. Or, at a minimum, keeping tabs on some of the recent updates to tax and retirement limits will make sure you start the year off on a great financial footing.

As the year-end approaches, now is an ideal time to review strategic planning opportunities and preview what lies ahead in 2023. We encourage you to discuss these planning topics with your Sand Hill Wealth Manager

While one tax type, such as income tax, is low in a given state, other taxes, such as sales taxes and property taxes, may be higher, so moving to that state will not necessarily lessen your tax burden.

When you consider your future retirement, you may have specific ideas and preferences in mind. Perhaps one such preference is retiring in another country. While doing so can be full of fascinating possibilities and great happiness, there are specific things to be keenly aware of when structuring your successful retirement plans.

Two years after making significant, often unclear and even confusing changes to Required Minimum Distribution (RMD) schedules for non-spouse inherited IRAs, the IRS recently issued a proposal with additional guidance, which may come as an unpleasant surprise to many.

Tax planning is all about implementing a strategic plan when managing an estate or planning for retirement.

It’s one of the biggest life events anyone can achieve. You’ve successfully navigated a long and fulfilling career and your reward awaits: the blissful stage of retirement. Remember that last final in college? That feeling of freedom?

This year’s CARES Act exempts required annual distributions in 2020 for all IRA owners over age 70 ½, and for some people, this may create an attractive planning opportunity utilizing the Roth IRA conversion.

December now feels like ancient history given the current state of the world, but back then, Congress passed the SECURE Act (Setting Every Community Up for Retirement Enhancement) which introduced

Although equity markets are down significantly from their highs just a month ago, there are various personal financial planning strategies that could warrant immediate attention.

Congratulations! The enterprise you have worked tirelessly to create has now been sold or gone public. While you were consumed with building your business and formulating the best exit strategy, you

One of the more common requests we hear from clients is their preference to name their minor children as IRA beneficiaries. Unfortunately, minors are legally unable to own property, and therefore cannot inherit

Sadly, fraud attempts are becoming much more frequent in our client conversations, and the classic—but rather obvious—example of the ‘Nigerian Prince’ needing money is long outdated. Scammers have become far more sophisticated in their tactics. Part of this is due to everyone being increasingly more comfortable interacting online, especially in the wake of the Covid pandemic. Indeed, the FBI reports a 300% increase in cyberattacks since 2020.

As experienced financial advisors, we help our clients navigate the ever-changing landscape of risks in their financial lives, which includes risks associated with climate change. In recent years, California has experienced an increase in flooding events due to changing weather patterns. Let’s discuss the importance of flood insurance and the steps you can take to protect your home from potential damage. 

When it comes to planning finances, people often get lost in the details and overlook the importance of timing. One factor to consider when setting financial goals and planning investments is the time horizon.

Despite the growing list of issues that seem to separate California and Florida these days, there is one area that they have very much in common… severe and widespread natural disasters, and especially the adverse financial impact that these events are having on the availability of homeowners insurance.

Behavioral finance plays an important role in long-term investment success. We behave as we do in large part because we are affected by our emotions.

Young drivers and cars have always been an expensive combination, whether they’re renting vehicles or getting their own auto insurance. This is especially true for drivers under the age of 25, at which point things generally start to improve cost-wise on both fronts.

Longevity risk is particularly troubling for pension funds and life insurance companies, where increasing life expectancy trends among pensioners and policy holders threaten to result in ultimate payout levels much higher than originally estimated.

On Monday, November 29, 2021, Sand Hill’s Chief Investment Officer Brenda Vingiello, CFA, joined the CNBC Halftime Report panel once again to discuss the possible impact of the new Omicron variant on the markets and economy.

People are living longer. This is generally a good thing. But how does this affect us financially? Can we afford it? Nowadays, people could be living in retirement for 40 years or more.

The devastating wildfires in California that did so much damage in the past few years are now impacting pricing and availability of homeowners insurance coverage in the state, affecting everything from primary residences in many suburban locations to popular vacation home spots like Napa Valley, Sonoma, Lake Tahoe and elsewhere. This comes on top of a decades-long increase in the overall national cost of all homeowners claims—including other types of severe natural disasters like extreme hurricanes and tornadoes.

This feeling of impenetrability can lead to what can be referred to as the Fortuitously Aligned Misconception Error (FAME), a principle seen in those who lack the recognition that their company stock is indeed a risk asset and their key retirement nest egg, which is not immune to a fall from grace (i.e. a windfall that can change with the wind).

The secondary market for luxury goods is booming. Now, it is easier than ever to re-sell luxury items that you no longer need.

Investing might seem too risky. What many people fail to realize is that the ability to increase money in a diversified portfolio over time is not as hard as it sounds.

There are many risks when it comes to real estate. Consider these three areas before making your decision.

Before making any investment plans, be sure to take a look at these steps to ensure your confidence.

There are many elements that play a vital role in the grand scheme of risk. Investment advisors need to take note of these factors and understand that they greatly impact decisions.

Although equity markets are down significantly from their highs just a month ago, there are various personal financial planning strategies that could warrant immediate attention.

Risk is a critical component of portfolio management. Rather than attempt to outsmart the market or focus on the performance, make sure you are properly managing and aligning your risk and understanding the fees.

An individual must consider many factors before taking an investment risk. Here are five ways one might look into before taking the nest step.

Congratulations! The enterprise you have worked tirelessly to create has now been sold or gone public. While you were consumed with building your business and formulating the best exit strategy, you

Activities and hobbies that wealthy individuals engage in may have potentially higher security risks. As the online, social, and financial landscapes continue to evolve, the environment for opportunity-crime increases. However, highly qualified insurance professionals can help you mitigate these risks with their industry knowledge.

Trusts are commonly-employed structures for wealthy families. To manage estate taxes as part of an overall estate planning strategy, it is common to transfer ownership of a home from an individual to a trust.

2022 marks Sand Hill’s 40th anniversary. In celebration of this milestone, we want to reflect on our dedication to the firm’s founding core values while also evolving to bring more to your financial journey than ever before.

2022 marks Sand Hill Global Advisor’s 40th year of helping our clients work toward their financial goals. We could not have grown into the successful firm we are today without the trust of our clients, our network of talented colleagues in the accounting and legal professions and our experienced and compassionate members of the Sand Hill team.

Our firm is honored to be named one of the nation’s top independent financial advisory firms, as ranked by Financial Times. Read more here.

Although equity markets are down significantly from their highs just a month ago, there are various personal financial planning strategies that could warrant immediate attention.

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The New Year offers a time for each of us to reflect on the year that was, as well as a chance to recommit to

Jeff Abadie, Senior Wealth Manager and Shareholder of Sand Hill Global Advisors, joins Robyn Ginney, family law attorney and Partner at the law firm of HartGinney LLP, to discuss a common question that intersects both family law and financial planning: can I keep the primary home after divorce? They discuss the financial ramifications for keeping the family home, including taxes, property upkeep expenses, the needed liquidity to buy out your spouse and the potential resale value of the home. They discuss the pros and cons for various financial situations to help you better understand if keeping the family home post-divorce would be right for you.

2022 marks Sand Hill Global Advisor’s 40th year of helping our clients work toward their financial goals. We could not have grown into the successful firm we are today without the trust of our clients, our network of talented colleagues in the accounting and legal professions and our experienced and compassionate members of the Sand Hill team.

Senior Wealth Manager and Shareholder of Sand Hill Global Advisors joins Jennifer H. Friedman, Partner at Jorgenson, Siegel, McClure, & Flegel, LLP discuss the importance and principles of estate planning to help you better understand how to prepare for your future.

Brenda Vingiello, Chief Investment Officer at Sand Hill Global Advisors, and CNBC Contributor, discusses the value of a financial advisor.

On Monday, November 29, 2021, Sand Hill’s Chief Investment Officer Brenda Vingiello, CFA, joined the CNBC Halftime Report panel once again to discuss the possible impact of the new Omicron variant on the markets and economy.

Watch Sand Hill Global Advisor's video about the most important things to consider before buying your dream vacation home in this frenzied real estate market, such as the cost, location, investment potential, tax impact, and exit strategy.

Barry Taylor, Senior Wealth Manager and Managing Director at Sand Hill Global Advisors joins Pamela Doherty, Senior Director of Gift Planning and Acting Chief of Philanthropy of The San Francisco Foundation to discuss what the role of community foundations is with prospective donors, if donors can just give locally, what a typical engagement looks like for donors, what a donor advised fund is, and more.

On March 10, 2021, Women’s History Month is here! To spotlight women in the financial world, CNBC asked Sand Hill’s Chief Investment Officer Brenda Vingiello to share her advice to aspiring women everywhere. Click on the link to watch Brenda talk about the power of investing in your own voice and the rewards of taking a chance!

Are you an entrepreneur looking to launch a new venture? You’ll likely need guidance from a wide variety of professionals who focus on the various aspects of business start-ups as you plan for the growth of your business.

On February 19, 2021 Sand Hill’s Chief Investment Officer Brenda Vingiello, CFA, joined the CNBC Halftime Report panel to address the question of which sectors may benefit from rising interest rates and additional economic stimulus.

Sand Hill’s Chief Investment Officer Brenda Vingiello, CFA, joined the Squawk Box program to discuss the possible impact of more economic stimulus and the recent jobless claims numbers.

In this edition of the Sand Hill Interview Series, we investigate and answer commonly asked questions about mediation, featuring mediation expert Geniveve J. Ruskus, J.D., CFLS and Senior Wealth Manager Jeffrey Abadie, CFP®.

On January 15, 2021 In this CNBC interview, Sand Hill’s Chief Investment Officer discusses her views on the markets and the second half of 2021, and shares how we are investing for our clients, especially within the sectors we see most opportunities.

In this episode of the Sand Hill Interview Series, Senior Wealth Manager Elizabeth Cody explores some tips and ideas for starting an art collection with Amelia Mandersheid, Vice President and Senior Director of Contemporary Art at Bonhams.

CNBC Quarterly Stock Report respondents say the discretionary sector will perform best under the first term of a Biden administration. Many respondents also said they expect utilities and staples to perform poorly during his presidency.

Watch this video on the discussion of where investors are investing amid the surge of the pandemic.

Watch this video on the discussion of volatility leading into the election and how the firm is guiding investors during this time period.

How should you be thinking about your investments as we head into 2021? Sand Hill's Chief Investment Officer and frequent CNBC contributor, Brenda Vingiello, CFA, reveals her approach towards investing her own money and the importance of staying focused on your financial priorities.

Watch this video on the senior female leaders and Wealth Managers at Sand Hill.

Welcome everyone to another episode of the Sand Hill interview series, where we discuss the science and art of navigating complex wealth. In this series, we speak with subject matter experts and thought leaders around all things pertaining to managing and dealing with complex wealth situations.

During Sand Hill CIO Brenda Vingiello’s appearance dated August 6, 2020 on the CNBC Halftime Panel she discusses the future of big bank stocks as our very own, Brenda Vingiello, gives her input.

Welcome everyone to another episode of the Sand Hill interview series, where we discuss the science and art of navigating complex wealth. In this series, we speak with subject matter experts and thought leaders around all things pertaining to managing and dealing with complex wealth situations.

July 15, 2020, COVID-19 has shifted the focus of the market. Watch this video with our own CFA, Brenda Vinigello, to learn more about the pandemic's influence on the market.

During Sand Hill CIO Brenda Vingiello’s appearance dated July 16, 2020 on the CNBC Halftime Panel she discusses technology investments during the pandemic.

If you hold qualified small business stock (QSBS) and are thinking of starting or investing in a new venture, consider rolling your capital gain associated with your current QSBS into the new enterprise.

In this article, we will explore recent developments surrounding inherited retirement accounts. Understanding the nuances of these regulations can significantly impact your financial strategies, tax planning, and ultimately, your long-term goals.

In the realm of financial planning, one often seeks strategies that not only secure their future but also optimize tax benefits. When facing medical expenses associated with long-term care or assisted living, leveraging Individual Retirement Account (IRA) funds can offer a viable solution. Understanding how to utilize IRA funds for such purposes not only eases financial burdens but also unlocks valuable tax deductions.

Owning a home brings unique considerations, especially for some properties valued over $5 million in California. It is important to stay informed about the latest changes in laws and regulations that may impact your financial decisions.

Inheriting a lump sum can be a life-changing event, and it's essential to approach it with careful consideration and planning. As experienced financial planners, we understand the weight of this situation and the importance of making informed decisions. As a starting point in your decision-making, let’s discuss the first 10 steps to take when you receive an inheritance lump sum that can help you make the most of your newfound wealth.

As the year-end approaches, it is important to take note of the upcoming tax deadlines. As a financial advisor firm that believes in providing our clients with a wealth of knowledge and guidance, we want to remind you of 8 essential tax deadlines for the year 2023.

Fueled by the advance of technology, flexibility of remote work, continued expansion of global business, and desirable cost of living tradeoffs for retirees, the ranks of American expats continue to swell. Per the U.S. State Department, in 2020, roughly nine million Americans lived abroad, while a 2022 Gallup poll revealed 15% of Americans would like to leave the United States permanently.

Normally a dry and straightforward topic, inherited IRA rules have been anything but over the last several years due to a number of recent changes to the SECURE Act of 2019. As a result of legislative changes (and the government’s need for tax revenue), there are now significant differences between non-spouse inherited IRA accounts inherited before and after January 1, 2020.

A donor-advised fund (DAF) is a charitable giving vehicle administered by a public charity that allows a donor to contribute, receive an immediate tax deduction, and recommend grants to charitable 501(c)3 organizations from the fund over time. There are several considerations when using a DAF that will help you make the most of their benefits.

2022 saw a dramatic rise in interest rates, including rates on home mortgage loans. The rise was so swift that many potential home buyers were quickly priced out of the market. As the mortgage landscape has shifted from the historically low rates we all enjoyed these past few years, it is important to understand an important nuance of how home loans work prior to stepping back into the market.

It is the start of a new year and if you are one for making resolutions, now is a great time to add some financial planning resolutions to your list. Or, at a minimum, keeping tabs on some of the recent updates to tax and retirement limits will make sure you start the year off on a great financial footing.

If you have been considering a Roth IRA conversion—which is simply a transfer of assets from a Traditional (tax-deferred) IRA to a Roth (tax-free) IRA—but have been hesitant because of the associated tax bill, 2023 might provide just the moment you have been waiting for.

As the year-end approaches, now is an ideal time to review strategic planning opportunities and preview what lies ahead in 2023. We encourage you to discuss these planning topics with your Sand Hill Wealth Manager

While one tax type, such as income tax, is low in a given state, other taxes, such as sales taxes and property taxes, may be higher, so moving to that state will not necessarily lessen your tax burden.

If you’re in the market for an electric vehicle (EV), you’re probably already aware that the recently signed Inflation Reduction Act puts into place some new rules around EV tax credits—some of which make it harder to claim the full credit after the end of this calendar year. But with some careful financial planning, and a little bit of research, you can still offset the cost of your purchase significantly.

For founders, early-stage employees, and executives alike, the opportunity for a sizable personal liquidity event is the result of considerable talent, tremendous amounts of work, and a little bit of luck. But while building a company or product has brought them to the doorstep of an IPO or sale of a concentrated position, it’s at the end of the journey where operational execution is required to harvest the full rewards of their efforts.

In the alphabet soup of estate planning jargon, the acronym QPRT is one of the more familiar — if not fully understood — terms and it represents a popular and rather common technique for potentially passing significant wealth amongst generations.

What are the benefits of moving to a state with no income tax? Why do some states not have income tax?

If you’re considering selling your business and want to use a strategy that provides ongoing and periodic liquidity, and smooths out the taxation of a sale, an installment sale may be the solution.

If you’re considering selling your business and want to use a strategy that provides ongoing and periodic liquidity, and smooths out the taxation of a sale, an installment sale may be the solution. There are several reasons this type of sale is implemented, but first, let’s explain what it entails.

If you have recently purchased or are considering a secondary residence for use as a short-term rental or personal vacation home, you might be curious about the possible tax breaks and whether or not you can deduct your mortgage interest.

If you have recently purchased or are considering a secondary residence for use as a short-term rental or personal vacation home, you might be curious about the possible tax breaks and whether or not you can deduct your mortgage interest.

A primary goal of many affluent families is to pass assets to their beneficiaries in such a way as to not lose significant portions of that wealth to gift or estate taxes. This is a crucial part of wealth management and estate planning.

Amassing wealth comes with many benefits, but having a substantial estate comes with the repercussions of elevated taxes. Gifting portions of your assets to mitigate tax ramifications is possibly a reasonable strategy.

Joint ownership of an account can complicate how capital gains are dispersed and who is responsible for the taxes involved.

Dual residency is for many, an excellent way to get the most enjoyment out of your assets. Having two homes in different parts of the country allows for maximum freedom in your lifestyle, and perks abound, depending on your interests.

Watch Sand Hill Global Advisor's video about the most important things to consider before buying your dream vacation home in this frenzied real estate market, such as the cost, location, investment potential, tax impact, and exit strategy.

For the better part of the last decade, Central Banks around the world have battled deflation as globalization, technological innovation, and slow economic growth have weighed on prices.

Info and facts about states with no income tax.

At Sand Hill, we are proud of our partnership with many endowments and foundations, helping them navigate the increasingly complex investment landscape with confidence and ease.

At Sand Hill, we are proud of our partnership with many endowments and foundations, helping them navigate the increasingly complex investment landscape with confidence and ease.

Estate planning is a critical aspect of financial management that ensures your assets are distributed according to your wishes after you pass away.

While you are probably familiar with the term cost basis, it is not likely something you think about very often. In fact, you may only think about cost basis information when asked for it by your Sand Hill Wealth Manager or CPA.

One important, but frequently overlooked, topic is what to do in case your child becomes incapacitated… now that they are over the age of 18. This whole issue has evolved over time as new rules and regulations have been put in place that are meant to protect privacy, but which—often unintentionally—complicate interactions between loved ones.

As the costs of higher education continue to rise, people are turning to tax-advantaged 529 savings plans to help fund their children’s education expenses.

If you hold qualified small business stock (QSBS) and are thinking of starting or investing in a new venture, consider rolling your capital gain associated with your current QSBS into the new enterprise.

Medicare Advantage (MA) plans have long been a lucrative market for insurers, but recent shifts are reshaping the landscape, impacting both investors and beneficiaries.

Buying a home is a monumental financial milestone, often the most significant purchase of a lifetime. However, the financial journey doesn't end at closing.

As climate change intensifies, its impact on the insurance industry becomes increasingly apparent. Evan Greenberg, CEO of Chubb, one of the leading insurers in the U.S., recently addressed this issue at the RIMS Risk World conference in San Diego. Greenberg emphasized the rationality behind surging insurance premiums in climate-vulnerable regions and the unsustainable nature of government efforts to suppress these increases.

Amassing wealth comes with many benefits, but having a substantial estate comes with the repercussions of elevated taxes. Gifting portions of your assets to mitigate tax ramifications is possibly a reasonable strategy.

Watch Sand Hill Global Advisor's video about the most important things to consider before buying your dream vacation home in this frenzied real estate market, such as the cost, location, investment potential, tax impact, and exit strategy.

Many Americans reignited long-forgotten passions amidst the exhausting and traumatic months of lock-down caused by this pandemic. With stress at an all-time high and the CDC heavily cautioning against face-to-face socialization, they turned to interests they hadn’t partaken of in years. Here are some of the top pastimes they pursued.

Recently, investors are expanding into the realm of luxury collectibles to augment their portfolios. With the right passion and knowledge, high-end collecting can offer potential monetary gains. This decade-long trend is well documented, and it’s easy to see why it has captured the imagination of investors and venture capitalists around the world.

At Sand Hill, we seek to provide each and every one of our clients with a customized long-term wealth strategy that will take them into a bright financial future. We are passionate about providing financial planning solutions and independent investment management strategies to support our clients’ lifestyle.

Barry Taylor, Senior Wealth Manager and Managing Director at Sand Hill Global Advisors joins Pamela Doherty, Senior Director of Gift Planning and Acting Chief of Philanthropy of The San Francisco Foundation to discuss what the role of community foundations is with prospective donors, if donors can just give locally, what a typical engagement looks like for donors, what a donor advised fund is, and more.

Vacation living can be fabulous. The stress of daily meal preparation, schedules and work commitments fade away, allowing you to reconnect with family and friends in a way that can be challenging to do in your regular life.

The devastating wildfires in California that did so much damage in the past few years are now impacting pricing and availability of homeowners insurance coverage in the state, affecting everything from primary residences in many suburban locations to popular vacation home spots like Napa Valley, Sonoma, Lake Tahoe and elsewhere. This comes on top of a decades-long increase in the overall national cost of all homeowners claims—including other types of severe natural disasters like extreme hurricanes and tornadoes.

For the better part of the last decade, Central Banks around the world have battled deflation as globalization, technological innovation, and slow economic growth have weighed on prices.

It’s one of the biggest life events anyone can achieve. You’ve successfully navigated a long and fulfilling career and your reward awaits: the blissful stage of retirement. Remember that last final in college? That feeling of freedom?

A GRAT may sound like a character from a Dr. Seuss book, but in reality, it is a great estate planning tool for clients with large estates who are concerned about paying gift and estate taxes. A Grantor Retained

Info and facts about states with no income tax.

In the current political environment, all eyes are focused on what possible new estate tax changes might become law given the new administration’s campaign proposals.

Help with planning during difficult times of loss.

At Sand Hill, we are proud of our partnership with many endowments and foundations, helping them navigate the increasingly complex investment landscape with confidence and ease.

At Sand Hill, we are proud of our partnership with many endowments and foundations, helping them navigate the increasingly complex investment landscape with confidence and ease.

Estate planning is a critical aspect of financial management that ensures your assets are distributed according to your wishes after you pass away.

While you are probably familiar with the term cost basis, it is not likely something you think about very often. In fact, you may only think about cost basis information when asked for it by your Sand Hill Wealth Manager or CPA.

One important, but frequently overlooked, topic is what to do in case your child becomes incapacitated… now that they are over the age of 18. This whole issue has evolved over time as new rules and regulations have been put in place that are meant to protect privacy, but which—often unintentionally—complicate interactions between loved ones.

As the costs of higher education continue to rise, people are turning to tax-advantaged 529 savings plans to help fund their children’s education expenses.

If you hold qualified small business stock (QSBS) and are thinking of starting or investing in a new venture, consider rolling your capital gain associated with your current QSBS into the new enterprise.

Brenda Vingiello, Sand Hill Global Advisors CIO, joins ‘Squawk Box’ to discuss the latest market trends ahead of the opening bell on Friday.

Medicare Advantage (MA) plans have long been a lucrative market for insurers, but recent shifts are reshaping the landscape, impacting both investors and beneficiaries.

Buying a home is a monumental financial milestone, often the most significant purchase of a lifetime. However, the financial journey doesn't end at closing.

As climate change intensifies, its impact on the insurance industry becomes increasingly apparent. Evan Greenberg, CEO of Chubb, one of the leading insurers in the U.S., recently addressed this issue at the RIMS Risk World conference in San Diego. Greenberg emphasized the rationality behind surging insurance premiums in climate-vulnerable regions and the unsustainable nature of government efforts to suppress these increases.

In this article, we will explore recent developments surrounding inherited retirement accounts. Understanding the nuances of these regulations can significantly impact your financial strategies, tax planning, and ultimately, your long-term goals.

There is a common saying that time heals almost everything. Yet, even as we embark on the fifth year since the pandemic began, most of us are still longing for many pre-pandemic norms that we used to take for granted.

When allocating to investments, understanding the dynamic relationship between macroeconomic and microeconomic factors is crucial. While microeconomic investing focuses on exposure to individual companies, macroeconomics examines broad economic trends, indicators and events that influence entire markets.

Sadly, fraud attempts are becoming much more frequent in our client conversations, and the classic—but rather obvious—example of the ‘Nigerian Prince’ needing money is long outdated. Scammers have become far more sophisticated in their tactics. Part of this is due to everyone being increasingly more comfortable interacting online, especially in the wake of the Covid pandemic. Indeed, the FBI reports a 300% increase in cyberattacks since 2020.

As a Certified Exit Planning Advisor™ (CEPA), I am committed to helping my clients navigate the complex world of business transitions and secure their financial legacies. I want to shed light on the pressing need for exit planning by sharing some eye-opening statistics and highlighting the tremendous opportunities that lie ahead. Let’s delve into the numbers and explore the reasons why exit planning is an imperative step in securing your future.

Choosing between a SEP IRA (Simplified Employee Pension Individual Retirement Account) and an Individual 401(k)—also known as a Solo 401(k) or Self-Employed 401(k)—is an important decision for self-employed individuals or small business owners planning for retirement. Each option offers compelling benefits and considerations, and the choice largely depends on factors such as income, contribution limits, and expected future business growth.

In the realm of financial planning, one often seeks strategies that not only secure their future but also optimize tax benefits. When facing medical expenses associated with long-term care or assisted living, leveraging Individual Retirement Account (IRA) funds can offer a viable solution. Understanding how to utilize IRA funds for such purposes not only eases financial burdens but also unlocks valuable tax deductions.

Owning a home brings unique considerations, especially for some properties valued over $5 million in California. It is important to stay informed about the latest changes in laws and regulations that may impact your financial decisions.

Inheriting a lump sum can be a life-changing event, and it's essential to approach it with careful consideration and planning. As experienced financial planners, we understand the weight of this situation and the importance of making informed decisions. As a starting point in your decision-making, let’s discuss the first 10 steps to take when you receive an inheritance lump sum that can help you make the most of your newfound wealth.

As experienced financial advisors, we help our clients navigate the ever-changing landscape of risks in their financial lives, which includes risks associated with climate change. In recent years, California has experienced an increase in flooding events due to changing weather patterns. Let’s discuss the importance of flood insurance and the steps you can take to protect your home from potential damage. 

Do you have a clear understanding of the basics of personal finance? According to a recent survey led by Stanford University economist Annamaria Lusardi, most Americans lack basic financial literacy skills.

When it comes to planning finances, people often get lost in the details and overlook the importance of timing. One factor to consider when setting financial goals and planning investments is the time horizon.

With the surge in senior living options available today, it is time to rethink our retirement years. Being retired does not need to mean slowing down. Moving into an independent living facility relieves you of household chores and responsibilities—allowing you more time to spend on activities that you enjoy—and provides an expanded social community.

In late 2023, The Wall Street Journal (WSJ) published an article titled “The 4% Rule for Retirement is Back” and my immediate response was, “Where exactly did it go?”

Many DAF donors want to then help special unique causes or projects, or new charities that have not yet received IRS approval to function as a qualified 501(c)(3) organization; in turn, this can result in such targeted support being rejected or delayed, causing frustration for the donor and recipient charity alike. This is where “fiscal sponsorship” can be helpful.

As we reflect on the year that just passed and attempt to forecast what may be in store for this new year, we can’t help but wonder if 2023 was the grand finale of the many unique pandemic distortions that have kept us guessing for the past four years. From the Summer of spending on experiences at any cost, to the surprise acceleration in GDP growth following the Federal Reserve’s signaled final rate hike, 2023 was another year for the history books.

In the competitive start-up culture of the Bay Area, how your personal finances are managed can be a critical factor in achieving long-term success. Sand Hill Global Advisors, a trusted independent wealth management firm in San Francisco and Palo Alto, recognizes the unique challenges faced by entrepreneurs and offers the following considerations in managing your personal finances.

As innovative industries continue to fuel growth in the Bay Area and housing supply remains limited, homeownership has become a challenging aspiration for many individuals and families. The allure of owning a home in this vibrant region is undeniable, but it requires thoughtful financial planning to navigate the unique challenges of the local real estate market.

As a professional in the tech industry, your work may involve innovation, cutting-edge technology, and rapid growth. However, navigating the world of personal finance requires a different set of skills. At Sand Hill Global Advisors, we understand the unique financial challenges faced by tech workers and offer tailored investment strategies to help you make the most of your wealth.

For the better part of the last decade, Central Banks around the world have battled deflation as globalization, technological innovation, and slow economic growth have weighed on prices.

In the current political environment, all eyes are focused on what possible new estate tax changes might become law given the new administration’s campaign proposals.

Info and facts about states with no income tax.

It’s one of the biggest life events anyone can achieve. You’ve successfully navigated a long and fulfilling career and your reward awaits: the blissful stage of retirement. Remember that last final in college? That feeling of freedom?

Help with planning during difficult times of loss.

On March 10, 2021, Women’s History Month is here! To spotlight women in the financial world, CNBC asked Sand Hill’s Chief Investment Officer Brenda Vingiello to share her advice to aspiring women everywhere. Click on the link to watch Brenda talk about the power of investing in your own voice and the rewards of taking a chance!

A GRAT may sound like a character from a Dr. Seuss book, but in reality, it is a great estate planning tool for clients with large estates who are concerned about paying gift and estate taxes. A Grantor Retained

On February 19, 2021 Sand Hill’s Chief Investment Officer Brenda Vingiello, CFA, joined the CNBC Halftime Report panel to address the question of which sectors may benefit from rising interest rates and additional economic stimulus.

Sand Hill’s Chief Investment Officer Brenda Vingiello, CFA, joined the Squawk Box program to discuss the possible impact of more economic stimulus and the recent jobless claims numbers.