◈ Homepage — http://www.maheraswealthmanagement.com/Skip to main content    HOME ABOUT US SERVICES OUR EVENTS RESOURCES BLOG CLIENT LOGIN START HERE 3 Overlooked Wealth Strategies You’re Likely Missing  Read More BAY AREA TECH EXECUTIVES You've Worked Hard to Build Something Remarkable. Now Design What's Next. Simplify Your Life | Preserve What You've Built | Pursue Work-Optional Freedom Start Here Personal Wealth Management For Bay Area Tech Executives 5–10 Years From Their Next Chapter Professionals who want clarity about how to achieve work-optional freedom. Successful Savers with $1.5M+ in Investable Assets Hard workers who've consistently saved throughout their careers and built substantial wealth through smart decisions. Investors Seeking a Long-Term Partnership Savvy investors who want to understand their strategy, ask questions freely, and work with a fiduciary partner for the long term. How We Help   Investment Management Align your portfolio with your goals and risk tolerance Learn more → Retirement Planning Build a strategy for income, timing, and long-term independence Learn more →   Tax-Efficient Strategies Reduce unnecessary taxes across income, equity, and retirement Learn more → Why I do This Work I grew up watching my parents struggle financially - and it shaped how I approach planning today. My goal is simple: help you make confident financial decisions so your money supports your life, not stresses it. Let's Talk   What makes us different We provide personalized planning tailored to your unique situation — not one-size-fits-all portfolios. With experience in complex income and equity compensation, we help you navigate important financial decisions with clarity. Our focus is on building long-term relationships, delivering clear, straightforward advice you can confidently act on. Let’s Talk Latest insights By lmaheras@maher… on Jan 7, 2016 Long Term Care as Part of Your Multi-Generational Plan For anyone who has dealt with an aging parent or grandparent the concept of long term care is likely a familiar one. Those unfortunate enough to suffer from Alzheimer’s or other cognitive illness can end up requiring nursing care that can reach and exceed $80,000 per-year depending on the quality of care. With modern medicine it’s entirely possible to live 10+ years after the diagnosis of a permanently disabling illness, meaning that a protracted period... Read More By lmaheras@maher… on Jan 7, 2016 Making the Long Term Care Decision That’s Right for You For most of us the conversation isn’t whether or not we’ll need long term care, but rather when. According to the U. S. Department of Health and Human Services as many as 70% of those turning 65 years of age are likely to require long-term care, meaning that it probably makes sense to start planning for this as an eventuality rather than a possibility.* Professional help with daily tasks like bathing and eating doesn’t come... Read More By lmaheras@maher… on Jan 7, 2016 What’s Your Risk Management Plan? Most people couldn’t bear the financial hardships resulting from unexpected events, such as a major house fire, a car accident, a disability or the premature death of a family breadwinner, which is why one of the most important component of a sound financial plan should be your personal risk management strategy. Fully protecting your and your family’s financial future against the unexpected will help you to move forward with greater confidence in your wealth management... Read More Contact Info P: 650-525-0600 F: 650-525-0610 TF: 888-525-0602 E: [email protected]   Office 1777 Borel Place Suite 407 San Mateo CA 94402       Subscribe to our Newsletter First Name This field is required. Last Name This field is required. Email This field is required. Leo Maheras is a registered representative with, and securities and advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC. Please note Maheras Wealth Management, Inc. and LPL do not provide legal or tax advice. The LPL Financial representative associated with this website may only discuss and/or transact business with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. CRPC conferred by the College for Financial Planning   LPL Financial Form CRS © 2026 Maheras Wealth Management, Inc. All rights reserved. ◈ Interior Pages — 16 pages crawledFinancial Services | Contact Maheras Wealth Management CA Skip to main content menu       Home About Us Services Our Events Resources Outlook 2025 and Midyear 2024 LPL Financial Market Commentary Daily Market Update Monthly Wealth Wisdom Newsletter Financial Calculators Useful Links Videos Blog Client Login Start Here Contact Us 1777 Borel Place Suite 407 San Mateo , CA 94402 United States [email protected] P: 650-525-0600 F: 650-525-0610 TF: 888-525-0602   Leo Maheras is a registered representative with, and securities and advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC . Please note Maheras Wealth Management, Inc. and LPL do not provide legal or tax advice. The LPL Financial representative associated with this website may only discuss and/or transact business with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. CRPC conferred by the College for Financial Planning   LPL Financial Form CRS © 2026 Maheras Wealth Management, Inc. All rights reserved. Useful Links | Financial Services | Maheras Wealth Mgmt Skip to main content menu       Home About Us Services Our Events Resources Outlook 2025 and Midyear 2024 LPL Financial Market Commentary Daily Market Update Monthly Wealth Wisdom Newsletter Financial Calculators Useful Links Videos Blog Client Login Start Here Useful Links Link Disclosure:  The information being provided is strictly as a courtesy. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of information provided at these websites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information and programs made available through this website. When you access one of these websites, you are leaving our website and assume total responsibility and risk for your use of the websites you are linking to. Taxes Internal Revenue Service Filing Resources Government Agencies Social Security Administration News The Wall Street Journal New York Times ETFs (Exchange Traded Funds) Why ETFs? ETF Creations & Redemption Leo Maheras is a registered representative with, and securities and advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC . Please note Maheras Wealth Management, Inc. and LPL do not provide legal or tax advice. The LPL Financial representative associated with this website may only discuss and/or transact business with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. CRPC conferred by the College for Financial Planning   LPL Financial Form CRS © 2026 Maheras Wealth Management, Inc. All rights reserved. Outlook 2025 and Midyear 2024 | Maheras Wealth Management, Inc. Skip to main content menu       Home About Us Services Our Events Resources Outlook 2025 and Midyear 2024 LPL Financial Market Commentary Daily Market Update Monthly Wealth Wisdom Newsletter Financial Calculators Useful Links Videos Blog Client Login Start Here Outlook 2025 and Midyear 2024 Outlook 2025 Presentation Mid Year Outlook 2024 Presentation Leo Maheras is a registered representative with, and securities and advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC . Please note Maheras Wealth Management, Inc. and LPL do not provide legal or tax advice. The LPL Financial representative associated with this website may only discuss and/or transact business with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. CRPC conferred by the College for Financial Planning   LPL Financial Form CRS © 2026 Maheras Wealth Management, Inc. All rights reserved. LPL Financial Market Commentary | Maheras Wealth Management, Inc. Skip to main content menu       Home About Us Services Our Events Resources Outlook 2025 and Midyear 2024 LPL Financial Market Commentary Daily Market Update Monthly Wealth Wisdom Newsletter Financial Calculators Useful Links Videos Blog Client Login Start Here LPL Financial Market Commentary WEEKLY MARKET COMMENTARY Each week the LPL Financial Research team assembles thoughtful insight on market news. Download Market Commentary Leo Maheras is a registered representative with, and securities and advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC . Please note Maheras Wealth Management, Inc. and LPL do not provide legal or tax advice. The LPL Financial representative associated with this website may only discuss and/or transact business with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. CRPC conferred by the College for Financial Planning   LPL Financial Form CRS © 2026 Maheras Wealth Management, Inc. All rights reserved. Financial Planning Calculators | Maheras Wealth Management Skip to main content menu       Home About Us Services Our Events Resources Outlook 2025 and Midyear 2024 LPL Financial Market Commentary Daily Market Update Monthly Wealth Wisdom Newsletter Financial Calculators Useful Links Videos Blog Client Login Start Here Financial Calculators Link Disclosure:  The information being provided is strictly as a courtesy. When you click on any of the links provided here, you are leaving this website and viewing information provided by a third party. We make no representation as to the completeness or accuracy of information provided by any third-party website. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information and programs made available through this website. By accessing these calculators, you assume total responsibility and risk for your use of the third-party website. Retirement Social security retirement income estimator How does inflation impact my retirement income needs? Convert discretionary expenses to savings Savings Becoming a millionaire How long will it take to double my money? How long until my savings reach my goal? Save now vs. save later How much should I save to reach my goal? What will my current savings grow to? Calculate rate of return How do taxes and inflation impact my return? Insurance What is my life expectancy? What are the chances of becoming disabled? How much will I earn in my lifetime? What are the tax advantages of an annuity? How long will my current life insurance proceeds last? Taxation Federal income tax calculator How much self-employment tax will I pay? What is my tax-equivalent yield? 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Convert my hourly wage to an equivalent salary. Auto Auto purchase - Loan vs. 0% dealer financing? What would my auto payments be? Auto loan - Accelerated payoff FINRA Calculators Smart Bond Investing Accrued Interest Calculator Retirement Calculator College Savings Calculator Savings Calculator 401(k) and IRA Minimum Required Distribution Calculator Leo Maheras is a registered representative with, and securities and advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC . Please note Maheras Wealth Management, Inc. and LPL do not provide legal or tax advice. The LPL Financial representative associated with this website may only discuss and/or transact business with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. CRPC conferred by the College for Financial Planning   LPL Financial Form CRS © 2026 Maheras Wealth Management, Inc. All rights reserved. Our Events | Maheras Wealth Management, Inc. Skip to main content menu       Home About Us Services Our Events Resources Outlook 2025 and Midyear 2024 LPL Financial Market Commentary Daily Market Update Monthly Wealth Wisdom Newsletter Financial Calculators Useful Links Videos Blog Client Login Start Here Our Events Upcomning Events June 6, 2026 Run for Breast Cancer Run for Breast Cancer 5k/10K 13.1 K San Francisco Get started by signing up here. Learn More September 26, 2026 My Big Fat Greek BBQ Learn More Past Events February 26, 2026 Outlook 2026: The policy Engine. Learn More Leo Maheras is a registered representative with, and securities and advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC . Please note Maheras Wealth Management, Inc. and LPL do not provide legal or tax advice. The LPL Financial representative associated with this website may only discuss and/or transact business with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. CRPC conferred by the College for Financial Planning   LPL Financial Form CRS © 2026 Maheras Wealth Management, Inc. All rights reserved. How We Work Together | Maheras Wealth Management, Inc. Skip to main content menu       Home About Us Services Our Events Resources Outlook 2025 and Midyear 2024 LPL Financial Market Commentary Daily Market Update Monthly Wealth Wisdom Newsletter Financial Calculators Useful Links Videos Blog Client Login Start Here How We Work Together Here's How We Help If you're a Bay Area tech executive 5-10 years from retirement, you're dealing with complexity most advisors don't understand. Stock options vesting on three different schedules. 401(k)s at your last two companies. RSUs you're not sure whether to sell or hold. A taxable account you've been meaning to consolidate but never have time for. Meanwhile, you're thinking about helping your daughter with a down payment, making sure your parents have long-term care coverage, and wondering if your spouse would know what to do if something happened to you. This is what we do. Here's how we help:   Wealth Management for Complex Tech Compensation Getting Your Financial House in Order Most of our new clients come to us with accounts scattered across multiple institutions. 401(k)s from previous employers. Taxable accounts at two different brokerages. Stock options they're not sure how to exercise tax-efficiently. It's complex, and you don't have time to sort through it. Our job is to consolidate what makes sense, build a clear strategy, and help make sure you understand exactly where you stand. We help with: Stock option and RSU strategy 401(k) consolidation and rollover planning Tax-efficient portfolio management Diversification from concentrated positions Multi-generational wealth-building Our goal is to help you avoid the expensive mistakes people make when they try to manage this complexity on their own. * Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.  There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.   Family-First Planning & Multi-Generational Wealth Planning for What Actually Matters You didn't build wealth just to watch numbers go up. You built it to take care of your family, retire when you want to (not when you have to), and help make sure the people you love are taken care of. We help with: Work-optional timeline analysis Trust and estate planning coordination Life insurance and long-term care strategies Wealth transfer to children Healthcare and Medicare planning Legacy and charitable giving strategies   Tax Strategy & Asset Preservation Proactive Monitoring & Risk Management We actively monitor your portfolio, look for tax-saving opportunities throughout the year, and reach out when markets get volatile. We help with: Tax-loss harvesting and Roth conversion analysis Required Minimum Distribution (RMD) planning Capital gains management Asset preservation strategies Portfolio monitoring and market volatility planning Maheras Wealth Management and LPL Financial do not provide legal or tax advice. We coordinate with your tax and legal advisors to integrate your complete financial picture.   Our Approach   We believe wealth management should be about genuine partnership, not product sales. After decades at major firms, Leo founded Maheras Wealth Management to serve clients the way they deserve. With personal attention, clear communication, and advice that's always in your best interest. Our clients typically work with us for 10-20+ years. That's not because they're stuck. We believe, it's because they've found someone who genuinely knows them, picks up the phone when they call, and helps them navigate both markets and life transitions with confidence. We focus on safeguarding what you've built first, growing it intelligently second, and helping you live the life you've worked so hard for. Ready to explore how we might work together? Start Here Leo Maheras is a registered representative with, and securities and advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC . Please note Maheras Wealth Management, Inc. and LPL do not provide legal or tax advice. The LPL Financial representative associated with this website may only discuss and/or transact business with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. CRPC conferred by the College for Financial Planning   LPL Financial Form CRS © 2026 Maheras Wealth Management, Inc. All rights reserved. Making the Long Term Care Decision That’s Right for You | Maheras Wealth Management, Inc. Skip to main content menu       Home About Us Services Our Events Resources Outlook 2025 and Midyear 2024 LPL Financial Market Commentary Daily Market Update Monthly Wealth Wisdom Newsletter Financial Calculators Useful Links Videos Blog Client Login Start Here Making the Long Term Care Decision That’s Right for You Making the Long Term Care Decision That’s Right for You lmaheras@maher… | Jan 7, 2016 For most of us the conversation isn’t whether or not we’ll need long term care, but rather when. According to the U. S. Department of Health and Human Services as many as 70% of those turning 65 years of age are likely to require long-term care, meaning that it probably makes sense to start planning for this as an eventuality rather than a possibility.* Professional help with daily tasks like bathing and eating doesn’t come free, and knowing we are likely to need this level of assistance at some point in our lives doesn’t make it any easier to plan for. Paying for such ongoing medical and personal care out of pocket is often prohibitively expensive and current laws are written so that the state will usually only step in once you’ve exhausted the bulk of your assets. With no long-term care bailout on the horizon now is the time to make a plan for this important reality. Can Long Term Care coverage wait until I retire? Deciding that long term care coverage is necessary is an important first step, but it’s just as important to make sure to get the right amount of coverage at the right time. Your personal characteristics, such as age, health and gender can influence available policies and premiums.  As a rule of thumb, buying when you are younger tends to result in much lower costs, both due to better overall health and a lower starting point for any future premium increases by insurers. It’s easy to imagine that a 65 year old in poor health will pay much higher premiums at the outset than a 50 year old with a clean bill of health. How much coverage should I get? This insurance is much like health insurance in that the benefit levels and policy costs can vary widely depending on the level of protection you are looking for. Desired benefit levels also make a significant difference on costs, meaning that high levels of coverage with generous daily payout levels don’t always come cheap. Other policy choices, such as provisions that help coverage levels keep up with inflation, are optional extras that oftentimes can be necessary to achieve protection for decades to come.  Again, these options can add to the cost of the policy. While the cost of a policy takes a few dollars per day out of the budget today it can be a financial parachute in the event of a catastrophic or ongoing infirmity. The specific dollar level of coverage that’s right for you will vary depending on your net worth, your long term goals, and other details like your health history and where you live. Can I put something in place then change coverage later? Maybe, but it’s probably best not to count on it. Unlike auto or homeowners insurance the ability to easily switch from one long term care coverage provider to another is usually limited. Most of these companies price new policies higher than older ones and price older clients higher than younger ones. This double-whammy means that switching to a new policy when we are older tends to be very costly. It can pay to take the time and consult with a long term care insurance professional today so that you end up with the right level of coverage and peace of mind to carry you forward for years to come. *2015 Department of Health and Human Services Long-term care insurance policies contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. Your financial professional can provide you with costs and complete details. All policy guarantees are based upon the claims paying ability of the issuer. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing. This content is developed from sources believed to be providing accurate information. The information provided is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. Individuals are encouraged to seek advice from their own tax or legal counsel. Individuals involved in the estate planning process should work with an estate planning team, including their own personal legal or tax counsel. Neither the information presented nor any opinion expressed constitutes a representation by us of a specific investment or the purchase or sale of any securities. Asset allocation and diversification do not ensure a profit or protect against loss in declining markets. This material was developed and produced by Advisor Websites to provide information on a topic that may be of interest. Copyright 2026 Advisor Websites. Leo Maheras is a registered representative with, and securities and advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC . Please note Maheras Wealth Management, Inc. and LPL do not provide legal or tax advice. The LPL Financial representative associated with this website may only discuss and/or transact business with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. CRPC conferred by the College for Financial Planning   LPL Financial Form CRS © 2026 Maheras Wealth Management, Inc. All rights reserved. “Macro Market Movers” – Daily Market Update | Maheras Wealth Management, Inc. Skip to main content menu       Home About Us Services Our Events Resources Outlook 2025 and Midyear 2024 LPL Financial Market Commentary Daily Market Update Monthly Wealth Wisdom Newsletter Financial Calculators Useful Links Videos Blog Client Login Start Here “Macro Market Movers” – Daily Market Update Click on Market Update for daily updates. Leo Maheras is a registered representative with, and securities and advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC . Please note Maheras Wealth Management, Inc. and LPL do not provide legal or tax advice. The LPL Financial representative associated with this website may only discuss and/or transact business with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. CRPC conferred by the College for Financial Planning   LPL Financial Form CRS © 2026 Maheras Wealth Management, Inc. All rights reserved. Welcome to Maheras Wealth Management | Maheras Wealth Management, Inc. Skip to main content menu       Home About Us Services Our Events Resources Outlook 2025 and Midyear 2024 LPL Financial Market Commentary Daily Market Update Monthly Wealth Wisdom Newsletter Financial Calculators Useful Links Videos Blog Client Login Start Here Welcome to Maheras Wealth Management     If you're here, you're probably looking for answers to some important questions about designing your future.   Can I actually leave my career when I want to, or will I need to keep working? How do I consolidate all these accounts and create a clear portfolio strategy for today’s markets? What's the smartest approach to stock options, RSUs, and minimizing taxes? How do I help my kids get established while building my own work-optional freedom? How do I help make sure my spouse feels confident about our finances if something happens to me?   If that sounds like you, you're in the right place. My Team and I Specialize in Helping Successful Bay Area Tech Executives   If you're looking for... A local advisor who values building long-term relationships where trust goes both ways A partnership based on clear communication, genuine listening, and explanations without financial jargon Comprehensive guidance on wealth management, tax strategy, stock compensation, and multi-generational planning An approach where you understand the "why" behind every recommendation, not just the "what" Maheras Wealth Management might be a fit for you. Let's start a conversation about your financial future. Start Here My Philosophy: Wealth Management Should Be Personal   I believe wealth management should be about more than numbers on a spreadsheet. While many advisors treat this as purely an investment challenge, I understand it's actually about creating the financial freedom you need to live life on your terms. My team and I have a straightforward mission: to give you the clarity, confidence, and personal guidance you need to help protect what you've built and build work-optional freedom. Start Here Leo Maheras is a registered representative with, and securities and advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC . Please note Maheras Wealth Management, Inc. and LPL do not provide legal or tax advice. The LPL Financial representative associated with this website may only discuss and/or transact business with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. CRPC conferred by the College for Financial Planning   LPL Financial Form CRS © 2026 Maheras Wealth Management, Inc. All rights reserved. Ready to Explore Work-Optional Freedom? Let's Start the Conversation | Maheras Wealth Management, Inc. Skip to main content menu       Home About Us Services Our Events Resources Outlook 2025 and Midyear 2024 LPL Financial Market Commentary Daily Market Update Monthly Wealth Wisdom Newsletter Financial Calculators Useful Links Videos Blog Client Login Start Here Ready to Explore Work-Optional Freedom? Let's Start the Conversation Schedule Your 30-Minute Intro Call If you're here, you're probably asking yourself these questions. Can I actually achieve work-optional freedom? What would it take? Am I on track, or am I missing something? Most of our clients come to us through referrals from friends or family members who've worked with us for years. My Team and I are Tech Industry Specialists and Do Our Best Work With:   Bay Area Tech Executives 5-10 Years From Their Next Chapter Professionals who want clarity about when they can achieve work-optional freedom and what it takes to get there. Successful Savers with $1.5M+ in Investable Assets Hard workers who've consistently saved throughout their careers and built substantial wealth through smart decisions. Investors Seeking a Long-Term Partnership Savvy investors who want to understand their strategy, ask questions freely, and work with a fiduciary partner for the long term.   Get Your Free Work Optional Blueprint Your 3-Step Work Optional Blueprint is designed to help successful tech executives determine whether they’re on track for financial independence and test drive our services. No pressure, no obligation. Just an honest conversation about your financial future. Here’s how it works. Step 1: Intro Call (30 Minutes) We'll talk about where you are in your career, what you're trying to accomplish, and whether our expertise matches your situation. If it makes sense to explore working together, we’ll schedule another meeting. What to expect: A friendly conversation about your situation, timeline, and concerns Straightforward answers to your questions An honest assessment of whether we're a good fit for each other Schedule Your 30-Minute Intro Call Step 2: Share Your Financial Information If we both feel good about moving forward, we'll ask you to send some basic financial documents so we can prepare for a productive second conversation. The goal: We want to study your situation before we meet again so we can give you specific insights, not generic advice. Step 3: Blueprint Strategy Session (60 Minutes) This is where we go deeper. We'll review what we've learned about your financial situation and walk through the key opportunities and potential blind spots we see. What to expect: A clear picture of where you stand today Red flags we've identified that could derail your plans Opportunities to improve your tax efficiency, help protect your wealth, or accelerate your timeline An honest conversation about next steps What you'll walk away with: Clarity on whether you're on track for work-optional freedom, what's working in your current approach, and what might need to change. Make a Decision   After our Blueprint Strategy Session, take time to think it over. Choosing a financial advisor is a significant decision, and we want you to get it right. Our clients typically work with us for 10-20+ years, so it's important that you feel confident about the relationship. No hard sell. No pressure. If we're the right fit, you'll know. Schedule Your 30-Minute Intro Call Leo Maheras is a registered representative with, and securities and advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC . Please note Maheras Wealth Management, Inc. and LPL do not provide legal or tax advice. The LPL Financial representative associated with this website may only discuss and/or transact business with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. CRPC conferred by the College for Financial Planning   LPL Financial Form CRS © 2026 Maheras Wealth Management, Inc. All rights reserved. Videos | Maheras Wealth Management, Inc. Skip to main content menu       Home About Us Services Our Events Resources Outlook 2025 and Midyear 2024 LPL Financial Market Commentary Daily Market Update Monthly Wealth Wisdom Newsletter Financial Calculators Useful Links Videos Blog Client Login Start Here Videos The Power of a Roth IRA – Preserving Your Future     Leo Maheras Video Newsletter    Learn More About "My Why"   Mia Zoe: Greek proverb meaning, "one life"   Leo's Investing Principles Part 1 Leo's Investing Principles Part 2   Fiduciary Difference   Tax & Income Planning   Five Retirement Points for Five Years Before You Retire   My Thoughts on the Bear Market. Past performance is no guarantee of future results. All indices are unmanaged and may not be invested into directly.   Leo Maheras is a registered representative with, and securities and advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC . Please note Maheras Wealth Management, Inc. and LPL do not provide legal or tax advice. The LPL Financial representative associated with this website may only discuss and/or transact business with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. CRPC conferred by the College for Financial Planning   LPL Financial Form CRS © 2026 Maheras Wealth Management, Inc. All rights reserved. Blog | Maheras Wealth Management, Inc. Skip to main content menu       Home About Us Services Our Events Resources Outlook 2025 and Midyear 2024 LPL Financial Market Commentary Daily Market Update Monthly Wealth Wisdom Newsletter Financial Calculators Useful Links Videos Blog Client Login Start Here Blog The Estate Plan That Looks Complete on Paper Leo Maheras | May 13, 2026 Categories Estate Planning Tax Planning Real Estate Property Family Retirement Risk Management Finance Investments Many estate planning failures aren't dramatic. There's no missing will, no family feud, no document anyone forgot to sign. The plan is right there in the drawer. The folder is labeled. The signatures are in place. It just doesn't do what the family thought it would do. That's the version of estate planning that catches people off guard — not the absence of a plan, but the presence of one that quietly stopped working somewhere... What $100 Invested in 1928 Would Be Worth Today Leo Maheras | Apr 13, 2026 Categories Investments Finance Savings Retirement Risk Management Many people think the biggest risk with money is losing it. A bad investment. A market crash. A bet that doesn't pay off. But what if the most expensive financial decision isn't a bad choice — it's no choice at all? That's what nearly a century of market data suggests. And the numbers are hard to argue with. What $100 Looked Like in 1928 In the late 1920s, $100 went a long way. It could... A More Flexible Way to Think About Retirement Leo Maheras | Mar 13, 2026 Categories Retirement Finance Lifestyle Risk Management Many retirement plans are built on a quiet assumption: that spending stays roughly the same from year one to year thirty. It sounds reasonable. But research suggests it's not how retirement actually works — and planning around that assumption might create more anxiety than it prevents. The Retirement Fear That Can Hold People Back Running out of money consistently ranks as one of the top retirement fears in national surveys.¹ That fear is understandable. But... Tax Planning vs. Tax Preparation: They're Not the Same Thing Leo Maheras | Feb 13, 2026 Categories Tax Planning Finance Retirement Investments Many people think about taxes once a year — when April rolls around and it's time to file. By then, the year is already in the rearview mirror. The decisions that could have made a difference? Many of the deadlines for them already passed. That's the gap between tax preparation and tax planning. And understanding the difference could change how you think about your money — not just in the spring, but all year long... 5 Financial Crossroads That Could Reshape Your Future Leo Maheras | Jan 13, 2026 Categories Finance Retirement Family Tax Planning Risk Management You know how life tends to throw in a few plot twists? They don't ask if you're ready. They just show up—with potential financial consequences tagging along. A layoff. A diagnosis. A parent who needs help. These moments don't come with instruction manuals. But they do come with price tags, deadlines, and decisions that can echo for years. The good news? You don't have to wait until you're standing in the middle of a crossroad... What 2025 Taught Us About Staying the Course Leo Maheras | Dec 13, 2025 Categories Investments Finance Risk Management Retirement Some years pass quietly. 2025 wasn't one of them. Between market swings, geopolitical shocks, and a news cycle that never seemed to pause, this year tested patience across the board. And yet, as we close out December, the real story isn't about what the markets did. It's about how we responded. 2025 Market Volatility: A Year in Review Even those who tried to tune out the noise found it crashing through anyway: The Spring Selloff... How to Talk to Your Aging Parents About Estate Planning (Without Making It Tense) Leo Maheras | Nov 13, 2025 Categories Estate Planning Family Health Disability Insurance Risk Management These conversations aren’t easy. Bringing up long-term care or estate planning with aging parents can feel like stepping on a landmine—awkward, emotional, maybe even a little intrusive. But if you wait until something happens—a fall, a diagnosis, a hospital stay—you're not just having the conversation late. You're having it under pressure. So how do you start the talk without it turning tense? Here’s a guide to help you open the door with empathy, avoid common... Recent Fed Rate Cut Leo Maheras | Oct 6, 2025 Categories Finance First rate cut of the year. Here's what to know. Overlooked Retirement Expenses (And How to Plan for Them) Leo Maheras | Sep 13, 2025 Categories Retirement Finance Health Tax Planning Family Real Estate A comfortable retirement doesn’t come with a fixed price tag. Expenses can change over time, and some of the most important ones are easy to overlook. That’s one reason about 45% of retirees could run out of money in retirement. 1 The good news? That outcome isn’t inevitable. The key is recognizing which costs get overlooked and building flexibility into your plan. Let’s explore five common blind spots and what you can do to prepare... Why Your Brain Sabotages Your Investment Plan (No Matter What the Market Does) Leo Maheras | Aug 13, 2025 Categories Investments Finance Savings Risk Management The Dow crosses 45,000. Your brain whispers: "This has to be the top." The market drops 15%. Your brain screams: "Get out before it gets worse!" Different scenarios. Same result: your brain hijacking your long-term investment strategy. If you've ever felt paralyzed by market highs or panicked during market lows, you're not an outlier. You're human. The brain’s wiring is great for responding to immediate danger, like avoiding a snake. But that same instinct can... Why Patience Beats Perfection: The Long-Term Investor's Guide to Market Timing Leo Maheras | Jul 13, 2025 Categories Finance Investments Over the course of your investing life, you’ll encounter market lows and highs. Headlines often spotlight the extremes, especially when markets reach record levels. Take, for example: “Stocks Hit Record Highs. What’s Behind the Rally.” 1 All-time highs have an interesting effect on investor behavior and psychology. Many investors can feel a nagging voice that whispers "wait for a better entry point" when markets are climbing. It's human nature to want to buy low and... The New Face of Fraud: How AI Is Changing the Scam Game Leo Maheras | Jun 13, 2025 Categories Technology Technology has changed nearly everything about the way we live, work, and connect including how scammers operate. Once upon a time, scams came in the form of clunky emails riddled with typos or too-good-to-be-true lottery wins. These days? The tactics are smoother, the impersonations more believable, and the emotional pressure far more calculated. Why the shift? Two letters: AI. Artificial intelligence has supercharged scammers' abilities. Now they can use AI to copy voices with just... Pagination Current page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Next page Next › Last page Last » Leo Maheras is a registered representative with, and securities and advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC . Please note Maheras Wealth Management, Inc. and LPL do not provide legal or tax advice. The LPL Financial representative associated with this website may only discuss and/or transact business with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. CRPC conferred by the College for Financial Planning   LPL Financial Form CRS © 2026 Maheras Wealth Management, Inc. All rights reserved. Long Term Care as Part of Your Multi-Generational Plan | Maheras Wealth Management, Inc. Skip to main content menu       Home About Us Services Our Events Resources Outlook 2025 and Midyear 2024 LPL Financial Market Commentary Daily Market Update Monthly Wealth Wisdom Newsletter Financial Calculators Useful Links Videos Blog Client Login Start Here Long Term Care as Part of Your Multi-Generational Plan Long Term Care as Part of Your Multi-Generational Plan lmaheras@maher… | Jan 7, 2016 For anyone who has dealt with an aging parent or grandparent the concept of long term care is likely a familiar one. Those unfortunate enough to suffer from Alzheimer’s or other cognitive illness can end up requiring nursing care that can reach and exceed $80,000 per-year depending on the quality of care. With modern medicine it’s entirely possible to live 10+ years after the diagnosis of a permanently disabling illness, meaning that a protracted period spent in a nursing home or with care for the basic activities of living will rapidly deplete your nest egg. Who does this impact in the family? Of course the family members suffering from illness are impacted physically, emotionally, and financially. Running out of money due to long-term illness is the last complication that anyone facing a health battle needs. Unfortunately it’s often the children of those needing long-term care that are often most hurt by these costs and their associated impact on inter-generational family finances. Adult children may be raising children of their own at the same time as a parent begins needing nursing care. This is known as the “sandwich generation” phenomenon, and many baby boomers are currently finding themselves in this situation as their children head off to college and their aging parents face the prospect of potential long term illness or disability. What is the worst case scenario? In the worst cases the nest egg of the individual needing long term care is completely wiped out. This may necessitate any adult children dipping into their own savings to preserve their aging parents lifestyle and prevent them from ending up in a Medicaid facility. This in turn can cause grandchildren to lose out on attending the best possible education institutions as family funds are diverted to health care needs. Those with substantial enough assets to avoid outliving their money, even in the event of a lengthy nursing home stay, still face the prospect of watching a life time of savings eroded in a few years as their estate is unnecessarily diminished. In the case of long term illnesses with heredity-linked causes this leaves less money for children or grandchildren to deal with their own possible care needs in the future. How can you avoid contributing to the “sandwich generation” phenomenon? Today there are myriad ways to insure against costly long-term care. Whether it’s a simple long-term care policy or a more complex strategy the one consistent message is that the younger you start planning the better. Not only is it easier to qualify for coverage with the best possible rates while you are young and healthy but it’s also possible to take advantage of investment and insurance strategies that can take years to properly implement.  While there is no one size fits all approach it is possible to work with a financial planner who understands the risks of long-term care costs and how to utilize available savings and investments, long-term care insurance, and life insurance in a way that provides the best coverage mix for your circumstance.  Insurance policies contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. Your financial professional can provide you with costs and complete details. *This content is developed from sources believed to be providing accurate information. The information provided is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. Individuals are encouraged to seek advice from their own tax or legal counsel. Individuals involved in the estate planning process should work with an estate planning team, including their own personal legal or tax counsel. Neither the information presented nor any opinion expressed constitutes a representation by us of a specific investment or the purchase or sale of any securities. Asset allocation and diversification do not ensure a profit or protect against loss in declining markets. This material was developed and produced by Advisor Websites to provide information on a topic that may be of interest. Copyright 2026 Advisor Websites. Leo Maheras is a registered representative with, and securities and advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC . Please note Maheras Wealth Management, Inc. and LPL do not provide legal or tax advice. The LPL Financial representative associated with this website may only discuss and/or transact business with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. CRPC conferred by the College for Financial Planning   LPL Financial Form CRS © 2026 Maheras Wealth Management, Inc. All rights reserved. What’s Your Risk Management Plan? | Maheras Wealth Management, Inc. Skip to main content menu       Home About Us Services Our Events Resources Outlook 2025 and Midyear 2024 LPL Financial Market Commentary Daily Market Update Monthly Wealth Wisdom Newsletter Financial Calculators Useful Links Videos Blog Client Login Start Here What’s Your Risk Management Plan? What’s Your Risk Management Plan? lmaheras@maher… | Jan 7, 2016 Most people couldn’t bear the financial hardships resulting from unexpected events, such as a major house fire, a car accident, a disability or the premature death of a family breadwinner, which is why one of the most important component of a sound financial plan should be your personal risk management strategy. Fully protecting your and your family’s financial future against the unexpected will help you to move forward with greater confidence in your wealth management decisions. What exactly does it mean to “fully” protect your financial future? Of course, it involves insurance planning and the purchase of different forms of insurance. But before you overextend and become insurance poor, it would be important to carefully assess your risk exposures and develop a risk management plan that fits your particular needs.  That requires a full understanding of all of the protections available to you and how to optimize their capacity to protect you. Disability Income Protection For most people, their most valuable asset is their ability to earn an income. Becoming disabled for a period of six months or longer could have a much greater impact than any of the other threats to your financial security, including losing your home in a fire, or a major car accident, or a premature death.  Obtaining the best possible disability income protection plan should be your top risk management priority. Because your risk of disability increases as you get older, disability insurance can become very expensive. The best time to consider purchasing disability coverage is when you’re young and healthy. The most important considerations for purchasing disability insurance are: Obtaining a policy that protects your occupational specialty for as long as possible Insuring future income increases Relying first on an individual disability insurance plan and only using a group plan as a supplement Disability income planning has become a specialty in the insurance industry, and it would be important to work with a disability specialist with access to the top disability insurance carriers in the industry. Property and Casualty Protection Generally, property and casualty insurance (P&C) protects us against financial loss resulting from damage to our property as well as the liability of someone harmed. Auto insurance, homeowner’s insurance, renters insurance and personal liability insurance are all forms of P&C coverage. The general rule is that, if you own it, insure it. Of course, there has to be an insurable interest which an insurance company deems worth protecting. The other consideration when it comes to P&C coverage is: Don’t skimp on your coverage to save money; rather find all ways to optimize your capacity in your insurance coverage. For example: Choose the highest possible deduction for which you are financially able to cover. Paying a $1,000 deductible for a dented bumper or covering the first $2,500 of the cost of a roof replacement won’t break you. The higher deductible levels will lower your premium costs which should be redirected towards increasing your liability limits. Personal Liability Protection One of the least understood forms of protection is personal liability insurance; and with its capacity to form an extensive umbrella of financial protection for a low cost, it can also be the most overlooked. Most people don’t consider it because they think they have plenty of liability coverage in their homeowners and auto insurance policies.  Most people are just a slip on a banana peel away from a major lawsuit; however, people of wealth or high income earners, such as physicians, can actually become targets of people seeking to benefit from an accommodating court system. For a few hundred dollars a year, you can provide yourself with a million dollars of umbrella protection. As a general rule, you should have umbrella liability protection to equivalent to the value of all of your assets. Life Insurance Protection The purchase of a life insurance policy may never make anyone's top ten list of favorite things to do. But, when given the opportunity to consider the range of purposes it can serve, it could turn out to be the most important financial instrument you own. It creates an instant estate – Life insurance creates the capital a family needs when there are sufficient assets to cover their needs. It provides tax advantages – Life insurance has a host of tax properties that make it attractive as a financial instrument. The death benefit is tax free to the beneficiaries. The cash value accumulates tax free. And, under certain circumstances, you can access your cash values tax free. Certain policies, such as Universal Life allow for tax free withdrawals of principal and most cash value policies allow for policy loans which are tax free.* It’s cost effective – Life Insurance is a financial instrument with potential to provide the capital needed to provide for surviving family members or to settle the costs of a large estate, or to buy out the family of a deceased business partner, as inexpensively as life insurance. The mistake many people make is to wait too long before purchasing life insurance. As with disability income insurance, the time to buy life insurance is when you are young and healthy.  *Policy loans can become taxable should the policy lapse. Also, policy loans, if not repaid, will reduce the death benefit amount. Loans and withdrawals reduce the policy’s cash value and death benefit and increase the chance that the policy may lapse. If the policy lapses, terminates, is surrendered or becomes a modified endowment, the loan balance at such time would generally be viewed as distributed and taxable under the general rules for distributions of policy cash values. Life insurance policies contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. Your financial professional can provide you with costs and complete details. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing. This content is developed from sources believed to be providing accurate information. The information provided is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. Individuals are encouraged to seek advice from their own tax or legal counsel. Individuals involved in the estate planning process should work with an estate planning team, including their own personal legal or tax counsel. Neither the information presented nor any opinion expressed constitutes a representation by us of a specific investment or the purchase or sale of any securities. Asset allocation and diversification do not ensure a profit or protect against loss in declining markets. This material was developed and produced by Advisor Websites to provide information on a topic that may be of interest. Copyright 2026 Advisor Websites. Leo Maheras is a registered representative with, and securities and advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC . Please note Maheras Wealth Management, Inc. and LPL do not provide legal or tax advice. The LPL Financial representative associated with this website may only discuss and/or transact business with residents of the sta Financial Investment Services | Maheras Wealth Management Skip to main content menu       Home About Us Services Our Events Resources Outlook 2025 and Midyear 2024 LPL Financial Market Commentary Daily Market Update Monthly Wealth Wisdom Newsletter Financial Calculators Useful Links Videos Blog Client Login Start Here 3 Overlooked Wealth Strategies You’re Likely Missing   Read More Bay Area Tech Executives You've Worked Hard to Build Something Remarkable. Now Design What's Next. 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Let’s Talk Latest insights Long Term Care as Part of Your Multi-Generational Plan By lmaheras@maher… on Jan 7, 2016 For anyone who has dealt with an aging parent or grandparent the concept of long term care is likely a familiar one. Those unfortunate enough to suffer from Alzheimer’s or other cognitive illness can end up requiring nursing care that can reach and exceed $80,000 per-year depending on the quality of care. With modern medicine it’s entirely possible to live 10+ years after the diagnosis of a permanently disabling illness, meaning that a protracted period... Read More Making the Long Term Care Decision That’s Right for You By lmaheras@maher… on Jan 7, 2016 For most of us the conversation isn’t whether or not we’ll need long term care, but rather when. According to the U. S. Department of Health and Human Services as many as 70% of those turning 65 years of age are likely to require long-term care, meaning that it probably makes sense to start planning for this as an eventuality rather than a possibility.* Professional help with daily tasks like bathing and eating doesn’t come... Read More What’s Your Risk Management Plan? By lmaheras@maher… on Jan 7, 2016 Most people couldn’t bear the financial hardships resulting from unexpected events, such as a major house fire, a car accident, a disability or the premature death of a family breadwinner, which is why one of the most important component of a sound financial plan should be your personal risk management strategy. Fully protecting your and your family’s financial future against the unexpected will help you to move forward with greater confidence in your wealth management... Read More Contact Info P: 650-525-0600 F: 650-525-0610 TF: 888-525-0602 E: [email protected]   Office 1777 Borel Place Suite 407 San Mateo CA 94402           Subscribe to our Newsletter You must have JavaScript enabled to use this form. First Name This field is required. Last Name This field is required. Email This field is required. Leave this field blank Leo Maheras is a registered representative with, and securities and advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC . Please note Maheras Wealth Management, Inc. and LPL do not provide legal or tax advice. The LPL Financial representative associated with this website may only discuss and/or transact business with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. CRPC conferred by the College for Financial Planning   LPL Financial Form CRS © 2026 Maheras Wealth Management, Inc. All rights reserved.