California E&S Insurance

Thank you , much appreciated. No, I have not read the trinity study, but I’ll check it To reiterate , the target interest of 4% of $5mm in bonds are mostly tax deductible (and some tax exempt in CA municipal bonds ) . Targeting 7-9% is good but if you’re hitting top tax bracket, the net is much less. . Bonds are low risk and many are tax instruments. Have $2mm in a stock and ETF fund targeting higher growth Ever looked at a 30% drop in equities over the past 30 years? I have , folks might not be prepared for bear market , it’ll come

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