Reason Financial

CalSavers Requirements California now requires all employers with at least one employee to offer a retirement savings plan. This mandate is fully phased in by December 31, 2025. Below is a summary of next steps: Who Must Comply by 12/31/25? Any California employer with 1 or more employees Applies even if employees are part-time or…

For those of us who grew up with rotary phones, Saturday morning cartoons, and cassette tapes, Halloween wasn’t just about sugar rushes and plastic pumpkins — it was a cultural time capsule. Costumes weren’t ordered with a click; they were assembled with ingenuity, parental duct tape, and a touch of DIY grit. So when you…

Discover how dollar-cost averaging lets you buy low and sell high without timing the market—boosting returns by 8% through consistent investing strategies.

This Chartr scatter plot compares U.S. airlines on passenger volume (millions, x-axis) versus baggage revenue (billions of dollars, y-axis) for the first nine months of 2024, using Bureau of Transportation Statistics data. Carriers like American, United, and Delta sit high on both axes. Budget names such as Frontier and Spirit earn notable bag revenue relative…

For many Americans, their home is their single biggest asset. So, one of the best ways to manage financial risk is to protect that asset. Unfortunately, home insurance isn’t as straight forward as it used to be, particularly if you’re a California resident. To help you better understand how you may, and may not, be…

This Chartr line chart, from a Gallup survey of U.S. adults, tracks attitudes toward drinking in moderation (defined as one or two drinks a day) from 2001 to 2024. Three series show the share saying moderate drinking is bad for health, good for health, or makes no difference (no-opinion answers omitted). Through most of the…

Lifting Up Los Angeles: How You Can Support Wildfire Recovery As residents of San Diego, our hearts go out to our neighbors in Los Angeles affected by the recent devastating wildfires. We are reminded that true wealth extends beyond financial assets to include acts of generosity, as these acts not only uplift those in need…

Keeping on top of deadlines is challenging, especially with frequent tax law changes. Below are the key retirement-related deadlines for the 2025 tax year. As always, please reach out with any questions on how these dates apply to your specific circumstances. Retirement Account Deadlines for 2025 Deadline to Contribute to 401(k) and Other Defined Contribution…

As an office teeming with baseball enthusiasts, the appeal of heading out to the ballpark is a universal sentiment here. Whether you’re a fan of the Padres, Dodgers, Cubs, Giants, Yankees, Twins, or Red Sox, like those of us at Team Reason, there’s no denying the joy of experiencing a game live. But what makes…

Building wealth is one thing; making sure the right people have access to the money is another. One of the easiest ways to ensure your hard-earned money goes to the right people is by updating the beneficiary designations on your financial accounts. However, not all accounts are created equally when it comes to beneficiarie, so…