Business Advice

By Craig Dart Are you an employer with a retirement plan?  Do you know whose job it is to administer your 401(k) or profit sharing plan? The Department of Labor states, “A plan must have at least one fiduciary (a person or entity) named in the written plan, or through …

By Eugene E. Valdez AKA The Loan Doctor™ In today’s confusing business lending industry small business loan applications are frequently turned down by Bankers and other lenders. One of the most common reasons which is rarely talked about, is what I call the “the mismatch between a company’s life cycle …

By Ralph Quintana Your risk, time in the market and diversification are so fundamental you might consider them the foundation when building your portfolio. It is easy to lose sight of portfolio structure as you track the performance of specific investments or account values. These strategies when applied to your …

By Eugene E. Valdez AKA The Loan Doctor™ Obtaining business funding to expand your privately owned small business is a function of impressing the lenders that you negotiate with.  While there are many variables, (profitability, good management team to name a few)   that impress lenders one of the most important …

By Tim Kolacz Directors and Officers coverage is designed to protect those people that help run the company and drive it’s path into the future. But what about before the current group got there. How about those that will come after the current group. Making sure that the Board has …

By Eugene E. Valdez AKA The Loan Doctor™ Youth Entrepreneurship is a term that refers to young people, (ages 12-18) who aspire to be or already are, owners of their own small business. While most entrepreneurs are adults, (age range usually 28-55), young people can and do start simple businesses, …