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Jackson Square Financial

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San Francisco, CA
Jackson Square Financial

Empower Your Future. Support for KQED comes from Jackson Square Financial.

JSF serves the needs of individuals and the small to mid-sized business owners by offering customized retirement plans and wealth management services.

11/30/2023

New to HR? It's okay to learn as you go!

The HR landscape can be overwhelming, but here's the secret: You don't need to know everything from day one. Even seasoned HR pros keep learning. It's about understanding what to learn as you go.

Start with the Essentials: Focus on what's relevant to your organization. No need to master everything right away.

Stay Informed: Know where to find information when you need it.

Each month we will cover a new HR topic to boost your career so make sure to give us a follow!

11/28/2023

We're likely moving into a 'higher for longer' interest rate environment, quite the shift from the 'lower for longer' era post-financial crisis.

What does it mean for asset allocation?
🏦 The Longer Rates Persist, the Greater the Impact: Higher rates, although not yet significantly affecting the economy, are expected to eventually weigh on economic growth. The more they linger, the bigger the impact.

🏦 Bonds Take Center Stage: One key point for investors? The growing importance of high-quality bonds in your portfolio. After years of low yields, bonds are becoming more attractive with appealing interest rates.

Stay informed and adjust your strategy to thrive in this evolving financial landscape. We are here to assist you every step of the way.

11/24/2023

End-of-life arrangements can be emotionally taxing, especially without a plan. But there's a solution: Funeral Trusts.

These trusts pave the way for organized end-of-life arrangements, from burial plots to asset distribution. No more stress when the time comes.

A funeral trust permits anyone, even non-family members or distant relatives, to handle arrangements. Choose who's in charge, ensuring a seamless process.

We are here to help you consider what works best for you. It's a choice worth making for your peace of mind.

11/23/2023

In business, it's all about the bottom line. One surefire way to boost profits is by trimming expenses, including your commercial insurance.

But here's the key: Trim costs without sacrificing coverage. Safety first, always!

Here's a savvy tip: Shop your insurance coverage around.

Commercial insurance providers use algorithms that can yield vastly different quotes for the same info. So, without altering your coverage, you might discover significantly lower rates.
How often should you do this? Financial experts suggest an annual check-up.

It's a simple move that can pay big dividends for your small business.

11/21/2023

Good news for business owners: Private employers aren't federally mandated to offer paid vacations, volunteer time, or holidays. Freedom, right? However, it's a different story if you're in a state or locality that demands paid sick leave, paid time off, or other types of leave.

Here's the scoop: You can keep it simple with a single Paid Time Off (PTO) bank, letting employees use it as they wish. No need to justify time off requests or manage multiple banks.
But, clarity has its perks! Detailing what PTO can be used for and maintaining separate banks can be advantageous, especially if your state enforces specific paid leave rules.

Stay informed, and stay compliant! Your PTO policy should align with your location's laws.

11/17/2023

If you are looking to make a significant purchase soon, treasury bills (T-bills) could be your go-to investment. They offer an excellent solution as your money will be tied up for at most a year. While they might not yield as much as some securities or CDs, they still outshine traditional savings accounts.

Safety is another benefit of T-bills. They are among the most secure places to park your money, ideal for conservative investors seeking interest without excessive risk.

What's more, short-term Treasury yields are currently on the rise. Secure your future and earn returns without compromising safety. Schedule a consultation with us to learn more.

11/16/2023

There are great reasons for small businesses to start a retirement plan, but existing myths tend to be big blockers. Here's the truth: There are budget-friendly solutions for small businesses that do a fantastic job!

For example, a 10-employee company can pay less than $100 per month for a 401(k) administration, and it's tax-deductible! For businesses with 1-100 employees starting their first plan, there's more good news: you qualify for tax credits up to $5,000 per year for the first three years.

The best plan providers keep costs low, ensuring that expenses from employees' accounts are controlled, and all-in investment costs stay under one percent. It's a great benchmark to consider.

With any budget, any business size can offer a 401(k) plan, helping more Americans secure their retirement.

11/14/2023

In times of economic uncertainty, businesses need to adapt to thrive.

If your revenues heavily rely on discretionary spending and are impacted by economic fluctuations, consider diversifying your income sources. Find revenue streams that remain stable even in turbulent times. Explore innovative ways to leverage your employees' skills to generate income.

This unique historical period presents new challenges, from rising debt to energy costs and consumer confidence shifts. Being prepared and making informed financial choices can be the lifeline your business needs. Contact us to discuss which ones are best for your business.

11/10/2023

Technology is revolutionizing how employers deliver benefits. It's no longer a one-size-fits-all approach; top companies are harnessing tech to offer personalized, flexible, and empowering benefits.

💡 Personalization: Tailoring benefits to individual needs fosters engagement. Tech empowers employers to educate employees about diverse benefit choices. From HSA plans to health coverage, customized online portals simplify decision-making, leaving employees more satisfied with their choices.

The result? Higher participation in crucial benefit programs.

🧩 Flexibility: Technology opens doors to more tailored benefit packages. Employees can select what suits them best, enhancing their job satisfaction and loyalty.

💪 Empowerment: Tech-driven data helps HR managers create employee benefits that retain top talent. It's a win-win: employees get the personalized gifts they value, while companies enjoy a happier, more engaged workforce.

Explore how technology is reshaping the benefits landscape, providing a brighter future for both employers and employees!

11/09/2023

Did you know that, based on your federal tax bracket and state of residence, municipal bond funds could be a viable income source?

These funds are a smart choice for income generation while considering your unique tax situation. Consult with us to explore how municipal bonds can boost your financial future.

11/07/2023

Avoid this common retirement mistake! 🛑Assuming you'll work past retirement age can be a risky gamble.

Surprises like layoffs, health issues, or family responsibilities can disrupt your plans. Nearly half of people retire earlier than expected, as per a 2022 survey by the Employee Benefits Research Institute (EBRI).

Keep in mind that finding a job in your 60s, with the same pay and benefits, can be challenging. Plan for an earlier retirement date and aim to work in your 60s because you want to, not because you have to.

11/02/2023

Myth: "I don't need life insurance because I don't have kids."
Fact: Life insurance is important even if you're child-free.

Life insurance safeguards your loved one’s future, whether married, in a partnership, or caring for aging parents. In fact, many 25 to 34-year-olds seek life insurance after tying the knot.

If kids come later, you can adjust your coverage. Life insurance can cover bills, mortgages, and debts, and maintain your family's quality of life after you're gone.

With the median mortgage payment at $975, securing life insurance is a smart move. Prepare for the unexpected and ensure peace of mind for your loved ones.

Address

48 Gold Street
San Francisco, CA
94133

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.jsfin.com/

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