Ara was a guest on the Money Savage podcast with George Grombacher, where he discussed the unique financial needs and challenges facing professionals in the healthcare industry.

Deciding when to terminate an employee is often the hardest decision for an employer to make. If employees in California are truly “at will,” then why can’t employers terminate whenever they want? There is no such thing as a simple termination. Join ACap’s Ara Oghoorian and Renee Noy of WorkWise Law, LP us for a free business service webinar.

Cash Balance plans are a way to save more for retirement, reduce your taxes, and accelerate your savings during your high income earning years. They have more flexibility than a traditional pension plan, but allow for similarly high contributions year over year and are usually paired with existing 401(k)/profit sharing plan. In this webinar, ACap’s Matt Crisafulli is joined by Kevin Palm of Kravitz, Inc., An Ascensus Company to discuss the basics behind Cash Balance Plans.

Rising interest rates negatively affect fixed income investments. When rates are rising, investors should avoid real estate, mid and long-term bonds, and utilities. Instead, investors should purchase very short-term bonds, stocks, and floating rate securities. If you have large sums of cash in the bank, you can now shop around for a higher yielding savings account. Rising interest rates have not been a surprise. The Federal Reserve has said it would raise interest rates ever since it cut rates 7 times in 2008 during the Great Recession. As expected, the Federal Reserve has raised interest rates once in 2018 and three (3) times in 2017.

There are two possibilities when selling a home: selling your primary residence or selling a rental property. You can exclude up to $500,000 of capital gains ($250,000 if single) on the sale of a primary residence as long as you meet certain residency rules. The sale of a rental property also incurs capital gains, but the exclusion does not apply. In addition, if you have depreciated your rental property over the years, the total amount of depreciation taken is taxed at your ordinary income tax rate, not the more favorable long-term capital gains tax rates.  Of course, there are nuances within each scenario, but the best approach is to talk to your financial advisor before actually selling the property to discuss tax minimization strategies and how to best structure the deal.

ACap’s Founder & President, Ara Oghoorian is a regular guest on the Your Money show with Kent Smetters, airing on Sirius XM Channel 111, Business Radio powered by The Wharton School. Ara was recently on the show in April, answering financial questions from callers. Stream the full episode below:

Highly-Rated Los Angeles Certified Financial Planner (CFP®) and CPA Named a Director of San Fernando Valley Community Bank

LOS ANGELES--April 12, 2018--Ara Oghoorian, CFA, CFP®, CPA, and President of financial planning and wealth management firm ACap Asset Management, Inc., has been elected to the Board of Directors of Mission Valley Bancorp & Bank in Sun Valley, California, effective March 27, 2018.

As your business grows, it's important to consider what employee-benefits you can and should offer. In this free financial webinar, we are joined by Amy Evans of Colibri Insurance Services to discuss the best strategies for group health insurance coverage for small businesses.

ACap Asset Management has been ranked a Top 10 Best Financial Planning / Wealth Management Firm in Los Angeles for 2018 by AdvisoryHQ, marking the second year in a row we have made the list. AdvisoryHQ, an independent financial review company, has highlighted some of the factors why our “boutique focus on physicians & medical professionals,” earned a top-rating of 5 in their full review. Below is an excerpt of our ranking and AdvisortHQ’s research methodology.

Are you properly insured? With the recent fires, mudslides, earthquakes, and hurricanes affecting the nation, it may be time to revisit your coverage options and see what you can do to be better protected.