Matthew.Tabor

Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY.

WestPac Wealth Partners, LLC is not an affiliate or subsidiary of Guardian. Insurance products offered through WestPac Wealth Partners and Insurance Services, LLC, a DBA of WestPac Wealth Partners, LLC. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. Links to

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***Not practicing Law for Guardian or its subsidiaries or affiliates.
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09/27/2023

As the first sentence of this article indicates, insurance is an integral part to any financial plan. The curious thing then, is why so few "financial advisors" are insurance licensed or otherwise have proactive conversations with their clients around life, disability, long term care, and property/ casualty insurances.

September is life insurance awareness month.

So, as an advisor who has seen the advantages of life insurance in my personal life, and believing that an advisor should position themselves to have every conversation, even the uncomfortable or overlooked ones, with this clients, I feel it my duty to bring this to you today.

Is your advisor talking to you about this? If not, shouldn't they?

Effective financial planning includes insurance planning, a critical component that many, especially women, tend to overlook.

08/11/2022

So many business owners plan to backfill their overall retirement savings strategy through the liquidity event that comes with selling their business.

On top of that, many business owners have a "guess" as to what their business is worth but haven't gone through a formal process to objectively quantify what its worth.

As such, when some business owners arrive at the doorsteps of retirement they aren't prepared for the often lengthy process of selling the business let alone what the after tax liquidity event might amount to and, subsequently, how great or small the impact of that event might be upon realization.

Don't leave one of the most significant financial decisions of your life to chance.

Get financially organized now, so you can avoid the pitfalls and maximize the opportunities between now and your retirement and arrive at the doorsteps of retirement with a plan in place.

The benefits of mapping an exit strategy sooner rather than later and four helpful methods to help get founders started.

08/10/2022

So what we know in financial services is that approximately 50% of Americans don't save enough for retirement.

However, this article shows that actual retirement ages hasn't varied much over time, despite a variety of different financial circumstances occurring over the study period.

Logically, this seems to indicate that the observation that 50% of Americans don't save enough for retirement isn't accurate, otherwise the actual retirement age of people would adjust in large scale to the financial condition of the times upon retirement.

In short, traditional planning can only guess your need.

My process grounds it in numbers directly reflective of your goals and concerns.

To learn more about my non-traditional process, and the unique results my clients experience, let's connect.

In 1991, the average American worker retired at 57 years old but in 2022 that age sits at 61, according to Gallup.

08/09/2022

Regarding retirement planning specifically, this article makes a number of good points.

For instance....

1) Your retirement savings strategy must fit within your overall cash flow and adjust as that cash flow adjusts over the course of your work life.

2) Your savings strategy must adjust to accommodate additional savings opportunities instead of pigeon holing you into a set number of vehicles that might incur penalties for savings beyond certain limits.

3) You only have one life, so live it now--AND respect your future goals and concerns in the process.

To learn more about how my process can help you maximize your retirement savings while allowing you to live the life now that you might hope to, let's connect!

While you can't predict precisely how much you need for retirement, you can use financial planning tools to calculate a great target.

06/30/2022

Is your business poised to purchase a durable good or otherwise invest in your future? How do you know that you are considering all your options or otherwise making the best possible decision given your current circumstances?

Well, isn't your advisor helping you with that?

Shouldn't he/she/they be?

To learn more about my comprehensive business advisory practice, let's connect.

Orders at U.S. factories for long-lasting goods such as new cars or heavy machinery rose 0.7% in May, a stronger than expected reading that showed...

06/29/2022

Are you looking to buy real estate? Maybe a primary residence, vacation residence, rental property or commercial property?

In every case, the purchase of real estate is one of the most significant financial decisions a person will make in their lifetime.

Wouldn't it be worthwhile putting this decision in a larger financial context of how it might affect achieving your goals or alleviating your concerns?

From there, assuming that your decision lines up with your big picture, wouldn't it also be worthwhile intersection as advisor that could refer you to a quality mortgage professional to streamline the lending process?

If you answered "yes" to either of the above questions, then let's connect!

ARMs, or adjustable rate mortgages, are popular again because fixed rates have risen.

06/28/2022

With consumer spending not abating in light of our current inflationary environment and with average compensation not keeping track with inflation and the rise in cost of goods, are we looking at a consumer level debt crisis?

Hard to say. However, rarely is it a viable solution to blindly "charge it."

What if there are other options for you? Options that may not require you to drastically change your lifestyle? Options unlike traditional advise to "reduce your expenses." Wouldn't it be worthwhile to explore what those options might be?

To do so, let's connect.

S&P issues its latest monthly CoreLogic Case-Shiller home price index Tuesday

06/16/2022

In the absence of a comprehensive financial plan, including transparent strategies to fight inflation, the Fed is left to use its relative limited tools to combat a large, and growing, problem.

Unfortunately, all we get from the White House is acknowledgment that a problem exists, instead of action to solve the problem.

As such, I anticipate our current inflationary environment will persist.

If the Government won't do what its supposed to, are you working with someone who will work for you?

Don't leave your financial future to chance.

This week, U.S. Federal Reserve policymakers are widely expected to increase interest rates by 50 basis points (bps).

06/15/2022

Let's be clear.

An "Auto-IRA" is a Federal program similar to the state level program here in Oregon called "Oregon Saves." In this plan, employers are required to deploy an retirement savings plan as an employee benefit, or "opt in" to a State managed IRA.

Government is already inept at some of the most basic of things within its purview: responding is natural disasters, administering the existing benefits structure (i.e. Medicare, Medicaid, and Social Security), building markets, foster jobs, keeping America internationally competitive, etc.

Do you really want them managing your retirement savings account?

I hate to break this to you, but its my job--to have sometimes difficult conversations with my clients.

The key to your financial wellness is no one else's job, but yours. You need to save.

And this is where I will lose nearly all of you: Saving is hard work and requires sacrifice, particularly for those with less expendable income. That said, saving is a great equalizer--we all need to do it regardless of our income.

To learn more about how I build comprehensive savings plans, particularly utilizing non-market correlated assets, let's connect.

Expanding Auto-IRAs and the Saver’s Credit is the real way to increase saving

06/09/2022

And this is why I regularly educate clients regarding the use of non-market correlated assets to ensure that something less than the entirety of the accumulation strategy is not subject to volatility.

To learn more about non-market correlated assets, and how they might play a role in your long term strategy, let's connect.

Asian stock markets are mixed following a bond sell-off on Wall Street amid anxiety about higher U.S. interest rates

06/08/2022

If I had to guess, and it would be a complete guess, I would say that it will take some significant additional time for the housing market to "normalize."

This is primarily due to the continued labor and materials shortages that the housing industry faces.

Presuming that labor and materials shortages normalize within the next few years, and rates stay elevated to combat the long term effects of inflation, I suspect that housing inventory will increase and prices decrease.

That said, with the house typically being one of the highest value assets on a person's balance sheet, even for some small , is now the time to sell/ buy?

Well, maybe. It depends. To learn more about my planning process, and how I position myself to help clients navigate significant financial decisions regardless of whether the nature of those decisions results in immediate compensation to me, let's connect!

Mortgage rates inched down once again, marking the third consecutive week of decreases, according to Freddie Mac.

06/07/2022

I have heard recently that in 2021, in Oregon alone, something like 89,000 new businesses were registered.

Analogously, as many disengaged from their traditional W2 roles, it seems that many of those capitalized on their entrepreneurial ambition and started their own shop.

Around town, at least these days, there are more "Hiring" signs I can remember in recent past.

I wonder if more comprehensive employee retention work were done prior to the Pandemic, if the Great Resignation could have been downgraded to simply The Resignation.

To learn more about how to use financial tools to keep your current talent, let's connect!

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