If your retirement only works if one investment or asset class keeps rising indefinitely, especially when you're close to retirement with limited earning years ahead, you're courting disaster. Don't let greed, Bitcoin or concentrated positions become your downfall.

These are just some of the key reasons why you should look into a High Deductible Health Plan (HDHP) and a Health Savings Account (HSA).

Straight from the Tax Horse’s Mouth - 401(k)/403(b)/most 457 plan limits increase to $23,000 (if under age 50), and $30,500 (if age 50+). IRA/Roth IRA limits increase to $7,000 (under age 50), and $8,000 (if age 50+).

Protect Your Personal Information: 10 Essential Steps by John Agnew, CFA, CFP®, RICP®, CLU®. In a world where smart devices are spying on you, and data brokers selling your private information, here's how to safeguard yourself:

• Freeze Your Credit

• Use a Password Manager

• Use an Authenticator App

• Set a Pin with Your Cell Company

• Opt for Electronic Statements

• Shred Sensitive Paperwork

• Use a Data Privacy Management Service

• Limit Social Media Info

• Monitor Your Accounts

• Keep Software Updated

• Set an IP PIN & File Your Taxes Early

Are you an owner of a California qualifying pass-through entity such as an S corporation or partnership? Make your elective estimated tax payment before June 15 for the tax years 2022 through 2025.