Valley Oak Financial Articles

Articles for Financial Strategies & Planning

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Is it Possible to Grow my Investment without Losing it?

For the past two decades, the next to nothing returns of many traditional conservative investments have left something to be desired... read full article

What is Going on with these Markets?

The market averages have been under stress and we wanted to check in to give you an update on what’s causing it... read full article

5 Things to Avoid with Long Term Care Insurance

There is a time in everyone’s life when they ask themselves, “Should I buy long term care?” The answer is: most likely, but how?... read full article

Reit's and your Retirement

Stocks, bonds and cash can be great investments for retirement, but what if you’re looking for more diversification? Ever heard of a REIT... read full article

Health Care in Retirement: Can you Afford It?

You can drain your retirement savings because of the large, growing cost of health care.... read full article

Is it Smart to Pay Off your Mortgage?

Absolutely! …maybe …well, it depend. The closer you get to retirement the more important it is to analyze your debt levels... read full article

How Do You Start Saving for Retirement

Saving money for retirement is probably one of those ideas that has been drilled into your head, but did anyone ever give you a direction... read full article

What do I do with my Inheritance?

Inheriting money can be a confusing and emotional experience. Far too often people mismanage an inheritance and lose it all because they didn’t know how to handle it... read full article

Saving your Savings: Roth IRA Conversions

If you had the option of having less taxes and more money, would you seize it? If so, a Roth Individual Retirement Account may be a good fit for you... read full article


“It is a capital mistake to theorize before one has data. Insensibly one begins to twist facts to suit theories, instead of theories to suit facts.”

Arthur Conan Doyle