South Bay Financial Partners

05/29/2026

🎓 Happy 529 Day! If you’re thinking about saving for a child or grandchild’s education, today is a great opportunity to learn more about how qualified tuition programs, or 529 plans, work — and the different options available.

This overview from the North American Securities Administrators Association (NASAA) breaks down the basics of college savings plans and prepaid tuition plans, including:

💡 How each type of plan works
💡 Potential tax advantages
💡 What to consider when comparing state plans
💡 How 529 plans may affect financial aid
💡 What happens if education plans change

📖 Read more: https://www.nasaa.org/2518/understanding-college-savings-plans/

05/26/2026

🧭 No one is born with a financial roadmap.

If you’re experiencing financial stress or feeling stuck in how you relate to money, take the first step in your financial journey to confidence and peace of mind. Join the South Bay Financial Partners online community and get expert guidance and exclusive resources delivered right to your inbox.

📬 Subscribe to our newsletter today: https://mailchi.mp/99ef2f887ac9/sbfpmailinglistsignup

05/22/2026

💡Disability can happen to anyone.

If an illness or injury kept you from working for a period of time, how would your household expenses be covered?

May is , a helpful reminder to review the role income protection can play in your overall financial plan and whether your current coverage still fits your life today.

🔗 Learn more in this resource from The Standard: https://www.standard.com/businesses-organizations/trends-resources/employer-resources/disability-insurance-awareness-month-essential-protection-your

05/21/2026

You don’t need to walk into a financial planning meeting with everything neatly organized or fully figured out. In fact, most people don’t. What matters most is having a starting point. 🏁

Many people delay meeting with a financial planner because they assume they need organized accounts, clear goals, or a strong understanding of financial language before they begin. But financial planning isn’t about having all the answers before you walk in the door.

It’s about being ready to engage, ask questions, share what you do and don’t understand, and start the conversation.

Read more of our tips for preparing for a productive meeting with your financial planner ➡️ https://www.southbayfinancialpartners.com/how-to-prepare-for-a-productive-meeting-with-your-financial-planner/?utm_medium=social&utm_source=facebook&utm_campaign=content&utm_content=blog

05/15/2026

🔒 Fraud can affect anyone — and older adults are often specifically targeted. In honor of National Senior Fraud Awareness Day, we’re sharing this timely resource from Clean Yield featuring practical insights from fraud prevention experts.

One of the most important reminders: scams thrive on urgency, secrecy, and emotional pressure. If someone demands immediate action, promises guaranteed returns, or asks you to move money quickly, pause and verify through a trusted source.

This webinar summary also covers smart prevention habits like using multi-factor authentication, strengthening passwords, monitoring accounts, and reporting suspicious activity early. A few simple safeguards can go a long way toward protecting your finances and your peace of mind.

🔗 Read the highlights and access the full webinar here: https://cleanyield.com/2025/11/fraud-prevention-strategies-what-it-is-and-how-to-protect-yourself/

05/12/2026

In many couples, one partner naturally takes on the role of the “money manager” — sometimes because of gender roles, and sometimes because the other person simply feels less comfortable with finances.

😅💰That arrangement may seem practical, but it can also create pressure. The partner managing the finances may feel responsible for having all the answers, even when they don’t. Over time, that pressure can lead to stress, avoidance, or tension around money decisions.

🧘 Meanwhile, the other partner may stay disengaged, trusting that everything is handled. But when one person carries the full financial load, both partners can feel vulnerable in different ways.

Tara Unverzagt (SBFP President & Senior Financial Planner) encourages couples to build more transparency and shared understanding. When both partners take part in money conversations — even if one handles the day-to-day details — financial decisions can feel more collaborative and less stressful.

🔗 Keep reading about having money talks with your loved ones in our latest article: https://buff.ly/iCoiAjL

05/07/2026

Financial conversations look different today than they did a generation ago. 🤳 In a cashless, app-driven world, spending, debt, and even investing can feel less tangible — which makes a strong understanding of the basics more important than ever.

We appreciated this podcast conversation from Charles Schwab on keeping it simple when teaching young people about finances: budgeting, saving, goal-setting, understanding credit, and knowing the difference between investing and gambling.

🎧 Listen here: https://www.schwab.com/learn/story/empowering-next-generation-through-financial-education-with-jim-clark

05/05/2026

💸 🙋 When people have financial questions, their first instinct is often to turn to family or friends.

While those conversations can be helpful, it’s important to remember that even well-meaning advice may come from someone with a limited perspective or a very different financial situation.

💡Consider learning from and confiding in people whose financial habits and outcomes reflect the kind of life you hope to build. Realistic role models — people whose paths feel attainable and aligned with your priorities — can offer more useful guidance than chasing an image of wealth that may not reflect financial security at all.

🔗 Keep reading our top tips for owning your money talk in our latest article: https://www.southbayfinancialpartners.com/why-talking-about-money-feels-so-hard-and-how-to-start-the-conversation/?utm_medium=social&utm_source=facebook&utm_campaign=content&utm_content=blog

04/23/2026

💸💭 One of the biggest misconceptions people carry about money is the belief that everyone else has it figured out. When someone is struggling with debt, saving, or budgeting, it’s easy to assume they’re the only one facing those challenges.

Tara Unverzagt (SBFP President) encourages clients to test that assumption by speaking up.

“You're not alone. If somebody would just start talking about it, it would help everybody," she says.

Opening the conversation can even lead to creative solutions that allow people to stay connected without compromising their financial goals.

🔗 Keep reading our top tips for owning your money talk in our latest article: https://www.southbayfinancialpartners.com/why-talking-about-money-feels-so-hard-and-how-to-start-the-conversation/?utm_medium=social&utm_source=facebook&utm_campaign=content&utm_content=blog

04/20/2026

“Start by asking first what money meant to you growing up,” says Elaine King on how to approach money conversations with your partner without conflict. “Once you understand that, set up a shared goal that you both love. … That will shift the conversation from me to we.”

In honor of , ambassadors from the CFP Board joined Fox & Friends to highlight the importance of open, honest money conversations — and how working with a CFP® professional can transform your financial journey.

🔗 Curious how our CFP® professionals can support you? Explore our process and services: https://www.southbayfinancialpartners.com/financial-planning/?utm_medium=social&utm_source=facebook&utm_campaign=landing_page&utm_content=planning

April is Financial Literacy Month, a time to highlight the value of sound financial planning and the role CFP® professionals play in helping clients reach th...