Wall Street Journal, Mar 2015 Kimberly Foss encourages her clients to have a year’s worth of living expenses set aside in the Wall Street Journal article “Helping Wealthy, Out-of-Work Clients.”

ConsumerReports.org, Mar, 2015 Tobie Stanger calls on Kimberly Foss, CFP, president of Empyrion Wealth Management, for her insight on IRA and 401(k) changes. Foss notes that inherited IRAs are no longer protected from creditors and bankruptcy cases.

LearnVest.com, Feb, 2015 Kimberly is featured in this article “Your Medical Debt Rx: 7 Ways to Manage High Medical Bills” where she gives valuable tips on ways to manage and reduce medical bills.

NextAvenue.org, Feb 10, 2015 Kimberly is featured in this article “2 Money Moves to Help You Leave a Legacy” where she gives valuable tips on ways to leave a legacy that don’t involve a gaggle of lawyers or complicated trusts.

Bankrate.com, Feb 9, 2015 Kimberly is featured in this article “Celebrity Divorce Lessons” where she advises on prenuptial agreements in divorce planning.

Comstocksmag.com, Dec 30, 2014 Kimberly is featured in this post  “Friends with Benefits, Peer-to-peer loan websites easily connect borrower to cash — but will they last?”

US News Money, Dec 23, 2014 Kimberly is quote in in US News Money in article “Tax Changes Coming in 2015.”

NextAvenue, Dec 1, 2014 Follow these five steps before donating to a charity in the article “5 Ways To Donate To Charity Effectively.”

Don’t Let A Job Loss Harm Your Retirement – ForbesKimberly is featured in this article regarding job loss and retirement. If you have recently lost your job this is a valuable article to read.

CNBC.com, Oct. 27, 2014 Ilana Polyak turns to Kimberly Foss, CFP, president of Empyrion Wealth Management, for insight for this CNBC.com piece offering advice for encore careers. Foss shares her experience helping her clients plan for new careers later in life.

NextAvenue, Oct. 27, 2014 Kimberly Foss, CFP, president of Empyrion Wealth Management, in this feature article gives valuable tips regarding retirement and loss of job.

ThinkAdvisor, Oct. 10, 2014 Danielle Andrus of ThinkAdvisor highlights Kimberly Foss, CFP, president of Empyrion Wealth Management, in this feature article about her experience with cyber crime and how she is protecting her business. Foss explains the importance of having a strong IT team, notifying clients when a breach occurs and being proactive in cyber security.

usatoday.com, Sept. 24, 2014  Rodney Brooks of USA Today turns to Kimberly Foss, CFP, president of Empyrion Wealth Management, for insight on dealing with unexpected retirement. Foss says the most important thing is to be realistic and proactive in retirement planning. “Don’t leave your retirement to hopium,” she says. “Hopium is a foolish hope. It allows people to ignore sometimes unexpected realities, such as unemployment. It keeps people from making a proper plan.”

This insight is also featured on:
CNBC, Sept. 24, 2014

Bankrate.com, Aug. 25, 2014  Kimberly Foss, CFP, president of Empyrion Wealth Management, is quoted by Donna Fuscaldo in a Bankrate.com article discussing the ways investment styles change as a person enters different life stages. For those freshly out of college, Foss encourages saving in a 401(k) plan and investing heavily in stocks. For newly married couples, she says it is important to max out 401(k) contributions or open a Roth IRA, depending on their employment situation

Http://fa-mag.com,  August 2014,  Kimberly is featured in fa-mag.com (Financial Advisors Magazine) “Forced To Quit Work Early, Clients Turn To Advisors For Help” By Karen Demasters.

Http://dailyworth.com, June 2014,  Kimberly is featured in dailyworth.com “Parents: You’re Saving for College All Wrong” By Katie Hill.

Http://investors.com, June 2014,  Kimberly is featured in investors.com “Eight Tips For Controlling Your Wedding Costs” By Paul Katzeff, INVESTOR’S BUSINESS DAILY.

Http://usatoday.com, May 2014,  Kimberly is featured in interest.com “We need to save more when times are good” by Craig Guillot. Kimberly said that everyone should at least put away 10% of earnings in savings each year.

Http://usatoday.com, June 2014,  Kimberly is featured in usatoday.com “Remarrying in retirement? Look before you leap” by Rodney Brooks. Kimberly said that finances are the number one cause of divorce so investing or talking with your fiance about their finances is crucial.

Http://mainstreet.com, May 2014,  Kimberly is featured in mainstreet.com “The Spend-Trend Economy Is Beginning to Gain Momentum.”

Http://dailyworth.com, Apr 2014,  Kimberly is featured in dailyworth.com where she offers advice on how to create a recession proof life.

Http://financial-planning.com, Apr 2014,  Kimberly is featured in Financial Planning where she discusses buzz-words to avoid in investing.

http://wsj.com, Apr 2014 Kimberly Foss is featured in the Wall Street Journal column
Voices: Kimberly Foss, on Preparing for an Inevitable Market Downturn

http://learnvest.com, Mar 2014 Kimberly Foss is quoted in the article “5 Ways to Retrain Your Brain to Save More for Retirement” Kimberly offers her suggestions on how to obtain your retirement goal.

http://thestreet.com/, Feb 2014 Kimberly Foss is quoted in the article “What If You Have College Tuition and Nursing Home Bills to Pay?” by Kathryn Tuggle. Kimberly gives tax saving tips if you have a parent living with you.

http://womenadvisorforum.com/, Jan 2014 Kimberly Foss’s recent blog “Alleviating Women’s Investment Worries: Three Questions to Ask Your Clients” addresses investment concerns women commonly have and what she does to alleviate them.

http://www.reuters.com/, Jan 2014 Kimberly Foss is quoted in Deborah Cohen’s article “YOUR PRACTICE-Financial advisers changing approaches for women.” Kimberly says many female clients – especially those newly widowed or divorced – rely on her to fill in the gaps in basic financial education.

www.marketwatch.com, Jan 2014 Kimberly Foss is quoted in Catey Hill’s article “How to be smarter about money in 2014: Tips for actually keeping your financial New Year’s resolutions.” Kimberly believes that setting up a recurring time to review your goal progress is key one key to obtaining goals.

www.mainstreet.com, Jan 2014 Kimberly Foss is quoted in Juliette Fairley’s article “Dividend Yielding Stock Sectors Include These Countries Abroad.”

www.womensforum.org, Jan 2014 Womens Forum Tips: The Importance of Addressing Women’s Investment Worries.

www.moneytalksnews.com, Jan 2014    Kimberly Foss offers suggestions on reducing credit card debt in Donna Freedman’s article titled “Resolutions 2014: Kill Your Debt and Then Write Its Obituary.”

www.dailyworth.com, Jan 2014    Kimberly Foss offers tips on how to save 10% of your earnings in Cynthia Ramnarace’s article titled “Double Your Savings This Year — Really.”

www.FOXBusiness.com, Dec 2013    Donna Fuscaldo, talks about ringing in the New Year with financial resolutions.   Kimberly Foss, CFP, President of Empyrion Wealth Management is quoted on her advice to set realistic and quantitative goals.”

www.hispanicmpr.com, Dec 2013    Editor and host, Elena Del Valle, talks about  Kimberly Foss, CFP, President of Empyrion Wealth Management in her post “Wealth management consultant outlines her approach to financial security.”

www.marketwatch.com, Dec 2013 Catey Hill quotes Kimberly Foss, CFP, President of Empyrion Wealth Management in the article “This is the bill most Americans pay first.” Read this interesting article to find out what American’s pay first and why according to Kimberly.

www.womensforum.org, Dec 2013 Womens Forum Tips: Tips on Navigating Clients Through an Encore Career.

www.loans.org, Nov 2013 Money Talks: Discussing Finances Is the Key to Romantic Success
by Rebekah Coleman quotes Kimberly Foss, CFP, President of Empyrion Wealth Management. Money matters are the leading source of martial conflicts.

www.depositaccounts.com, Nov 2013 Is Your Adult Child in Financial Troubleby Sheryl Nance-Nash quotes Kimberly Foss, CFP, President of Empyrion Wealth Management.

www.nextavenue.org, Oct 2013  Kerry Hannon quotes Kimberly Foss, CFP, President of Empyrion Wealth Management in her article “A New Approach to Owning Stocks in Retirement.”

www.womenadvisorforum.com, Oct 2013 A featured columnist on Women Advisors Forum, Kimberly Foss, CFP, president of Empyrion Wealth Management, discusses how to help female clients prepare for encore careers.

Savingadvice.com, Oct 2013 Kimberly Foss, CFP, President of Empyrion Wealth Management discusses ways to build your financial freedom in her article titled “25 Ways to Discover and Reach Your Financial Goals.”

CreditCardGuide.com, Oct. 24, 2013 Rachel Hartman quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article discussing when consumers should not cancel a credit card. Foss weighs in with tips for people who might be carrying a lot of debt on other cards.

www.mainst.com, Oct 2013 Howard Rothman quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in a MainStreet.com article titled “Peer-to-Peer Lending As an Investor” which discusses the new peer to peer lending investments.   Foss states that this is the epitome of the free market.

DailyWorth.com, Sept. 27, 2013 Nancy Mann Jackson quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in a DailyWorth.com article discussing several common myths about credit scores. Foss explains the truths regarding these misconceptions and offers insight on factors impacting a person’s credit score.

www.mainst.com, Sept 2013 Juliette Fairley quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in a MainStreet.com article about the financial costs for single parents to raise children. From unavoidable costs like childcare and education, to hidden costs like paying for a child’s social activities, there are many unforeseen expenses that parents need to be aware of, and must include in their budget.

www.mainst.com, Sept 2013 Kimberly Foss is quoted in “What’s Eating Single Parents Today” by Juliette Fairley. Kimberly offers advice on how to deal with stress that single parents experience today with expenses regarding thier children.

www.bliefnet.com, Sept 2013 Kimberly Foss, author of “Wealthy by Design,” is quoted in “Hope, Greed, Fear and Your Finances” stating that hope, greed and fear are all elements of too many financial programs. However, it need not be so. “Becoming wealthy by design,” she says, “involves making wise money choices and adhering to five fundamental principles of investing – goal setting, planning, commitment, assessment and flexibility.”

www.mainst.com, Sept 2013 Kimberly Foss is quoted in “The Secrets of P2P Borrowing” by stating the Peer-to-Peer or P2P  lending fills a big need for college bound kids to obtain funding for their education.

www.mainst.com, Sept 2013 Kerri Fivecoat-Campbell quotes Kimberly Foss in the article “Late Back-to-School Savings Over Labor Day.” Kimberly talks about the cost advantages of using the stores layaway.

www.ibtimes.com, Aug 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, is quoted in ibtimes.com “Credit Card Debt In U.S.: Falling, But Still Very High.” She cautions that, in the event of millions of Americans defaulting on their credit card payments, that it could potentially have a devastating impact on the broader economy – as witnessed when the real estate bubble crashed last decade.

www.ibtimes.com, Aug 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, is quoted in ibtimes.com “Credit Card Debt In U.S.: Falling, But Still Very High.” She cautions that, in the event of millions of Americans defaulting on their credit card payments, that it could potentially have a devastating impact on the broader economy – as witnessed when the real estate bubble crashed last decade.

www.fa-mag, Aug 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, is quoted in fa-mag.com by Karen Demasters in the article titled  “Earn Income, Lose Social Security Benefits.”  She states that all  financial advisors need to know the issues involved with Social Security and make sure their clients do not get surprised when Social Security withholds benefits because they are working.

www.mainstreet.com, Aug 2013 Juliette Fairley quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in a MainStreet.com article that discusses what students should do now to build future wealth. Foss points out that it is important to establish a foundation for wealth to grow, suggesting that college students get in the habit of saving money by investing a minimum of $25. “Pulling together a minimum investment of $1,000 can be a challenge but there are alternatives,” Foss adds.

The Wall Street Journal Video Network, Aug. 13, 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, sits down with Veronica Dagher of The Wall Street Journal to discuss ways that people can set and achieve financial goals. Foss asserts that advisors can help their clients reach these goals by following four steps: identifying needs; determining financial desires; establishing the use of financial assets in the future; and assessing, reviewing and revising the goals.

Private Opportunities Club, Aug. 12, 2013

Forrest Jones of Private Opportunities Club quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article about choosing alternative investments in today’s market environment. Foss says REITs should be included in portfolios, either physical holdings or investments in REITs. “Physical real estate is always best, but if you can’t do that or don’t want to do that, REITs are great substitutes,” she says.

Creditcards.com, Aug 2013, Kimberly Foss, CFP, president of Empyrion Wealth Management, is quoted in the Creditcard.com “How to pick a socially responsible credit card.”

Barron, Oct 2013 “Where the Smart Money Is Headed” discusses DFA’s (Dimensional Fund Advisors) investment policy and successes.

DailyFinance, July 29, 2013 Michele Lerner quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in a DailyFinance article about budgeting for a 20 percent pay cut. Foss offers advice on ways that people can cut costs in their current expenses, from saving on a phone plan by choosing a less expensive option to saving on medical expenses “by switching to a high-deductible health insurance plan.”

Sacramento Bee, July 24,2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, discusses the implications of withdrawing money from your retirement plan.

Sacramento Bee, July 16, 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, discusses insuring an IRA in the Sacramento Bee’s “Ask the Experts” column. Foss addresses a reader’s question on whether or not their funds are properly insured, highlighting that the Securities Investor Protection Corporation typically covers investors’ assets.

Women Advisors Forum, July 10, 2013 A featured contributor to the Women Advisors Forum, Kimberly Foss, CFP, president of Empyrion Wealth Management, offers insight to other advisors about working with female clients to maximize their Social Security benefits. Foss points out that many people begin collecting Social Security early in their retirement, and suggests that advisors walk their clients through the benefits of waiting. She stresses that decisions regarding Social Security should be approached with the same seriousness applied to other investments.

CreditCards.com, July 10, 2013 Dawn Papandrea quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in a CreditCards.com article about ways that parents can determine if their teen is not ready for a credit card. Foss explains that the physical connection to money has been removed, meaning that teens do not often feel the “real-money ramifications” when paying with a card. To overcome this, Foss suggests several techniques. “Open up a checking account, write checks the old-fashioned way and keep a hand-written registry,” she says. “There’s a direct psychological connection [between] writing things down and understanding where your money goes.”

This article also appears on: FoxBusiness.com, July 17, 2013

Sacramento Bee, June 25, 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, offers advice to readers in Sacramento Bee’s “Ask the Experts” column. Regarding retirement funds, Foss points out that funds from a 401(k) plan can be directly transferred into an IRA account. With many investment options to choose from— mutual fund companies and brokerage accounts being two popular choices—Foss advises investors to seek the guidance of a financial advisor when managing their portfolios.

Fox Business, June 14, 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, offers her outlook on the markets during a Fox Business appearance. Foss says that there are better days ahead, as the debt ceiling will be a non-event later this year and money will continue to be printed because unemployment is not down to 6.5 percent yet.

FoxBusiness.com, June 10, 2013 Emily Driscoll of FoxBusiness.com quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article about college graduates and money management. Foss suggests that grads contribute to a savings plan and improve their financial literacy so they can make better decisions with their money. “When you take into consideration the financial turmoil many have faced in recent years and the future of Social Security, it is wise for younger generations to start saving early and thinking about their finances,” she shares.

Women Advisors Forum, June 6, 2013 As a contributor to Women Advisors Forum, Kimberly Foss, CFP, president of Empyrion Wealth Management, offers insight on working with female clients to prepare for health care costs in retirement. Foss offers several strategies to discuss with clients to avoid depleting their retirement funds. She suggests advisors: develop a plan, watch for useful savings innovations, shop around for health care, consider Social Security options, offer a long-term care explanation and promote exercise.

MainStreet.com, June 6, 2013 Howard Rothman of MainStreet.com quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article that discusses how parents can help their college grads become self-sufficient. Studies show that a large percentage of parents are providing some type of support for their adult children, often dipping into their own financial savings to do this. “The number of my clients who face this problem is at least 30% higher than it was in 2007, when I first started seeing its impacts,” Foss says.

Mint.com, May 29, 2013 Craig Guillot quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in a Mint.com article on the top personal finance rules for consumers to live by. Foss weighs in on putting a deposit down for a house, noting that if a buyer cannot afford to put down 20 percent, the cost is probably out of their price range. “So many first-time homebuyers stretch to make that down payment and cover their mortgage thinking they’ll make more money down the line but that doesn’t always happen,” she says.

TheStreet.com, May 24, 2013 Kathryn Tuggle quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article on TheStreet.com that covers seven things that parents and students should do with finances the summer before college. Foss advises creating a budget and setting goals to achieve. “It’s wise for students to simply write down their financial goals,” she says. “Maybe a goal is to secure a part-time job or set aside a certain amount of money each month in savings. Anyone who writes down their goals has a great probability of success.”

Women Advisor’s Forum, July, 2013Your Female Clients Need Guidance on How to Maximize Social Security Benefits.” This article  sheds light on many things to consider when taking Social Security.

Investor’s Business Daily, May 17, 2013 Paul Katzeff of Investor’s Business Daily quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article that discusses the traits a client looks for in their financial advisor. A recent Investor’s Business Daily survey shows that trustworthiness is one of the most important things for investors when choosing an advisor.

Sacramento Bee, May 13, 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, weighs in on ways to invest an annual IRA withdrawal in the Sacramento Bee’s “Ask the Experts” column. Foss notes that there are several options for a retiree to invest funds from an IRA, suggesting a short- term, high quality bond fund for a low-risk investment, or something similar to a public utility fund for a higher-risk investment.

U.S. News & World Report, May 6, 2013 Emily Brandon of U.S. News & World Report quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article discussing important deadlines for people planning for retirement. Missing the required minimum distribution or failing to withdraw the correct amount can result in a steep tax penalty, Foss warns. She notes that it is a good idea to deposit money into an IRA by April 15 in order to get a tax deduction on the year before. “You’re helping yourself in the short term, and it’s for your own benefit down the road.”

Sacramento Bee, May 2, 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, answers a reader’s question in the Sacramento Bee’s “Ask the Experts” column. She discusses how credit ratings can impact consumers, and why it is important to maintain a good credit score. Foss points out the importance of understanding your credit score and how it can impact areas of your life, like qualifying for a student loan.

Sacramento Bee, May 1, 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, offers advice on how to reinvest a 401(k) from a previous employer in the Sacramento Bee’s “Ask the Experts” column. Foss weighs in on how to transfer funds from a 401(k) into a financial vehicle that allows the investor to control where the money is allocated, such as opening an IRA and investing in precious metals.

Sacramento Bee, Apr. 24, 2013 In a Sacramento Bee “Ask the Experts” column, Kimberly Foss, CFP, president of Empyrion Wealth Management, offers advice to a reader who is considering canceling or borrowing from a whole life policy in order to pay off credit card debt. Foss lends insight on the costs that might be incurred, and adds that replacing the whole life policy with term insurance and using the proceeds to pay off credit card debt may be an option to consider.

Women Advisors Forum, Apr. 22, 2013 As a featured contributor to the Women Advisors Forum, Kimberly Foss, CFP, president of Empyrion Wealth Management, offers insight on working with female clients who find themselves suddenly single. She suggests several steps that advisors can take to help their clients make the best financial decisions as they adjust to life changes. She recommends listening to the client’s wants and needs, waiting on major decisions, developing a financial plan and transitioning into long-term planning, among others.

Sacramento Bee, Apr. 19, 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, offers advice on investing in JP Morgan’s Efficiente 5-Year CD in Sacramento Bee’s “Ask the Experts” column. There are benefits and downsides to the investment, she says. “Pros include principal protection through FDIC, downside protection of the market and upside potential of the market,” Foss counsels, while “cons include liquidity concerns of the secondary market, linked index limited history and CD strategy is subject to currency exchange risk.”

LifeHealthPro, Apr. 15, 2013 Maria Wood of LifeHealthPro quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in a piece that discusses why deferred income annuities are a good vehicle for some Baby Boomers to consider investing in. Foss notes that this can be a good option for “tweeners” (Boomers too old to start a new career and too young to retire) if “they don’t have quite enough money for full retirement so they are looking for a way to get a guaranteed income but not take it right now.”

MSN Money, Apr. 10, 2013 Donna Freedman of MSN Money quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article about a survey on women’s feelings about finances. One section of the survey points out women’s need to be “significantly more involved in financial planning.” Foss believes that women should not care what others think about their finances. “Being different and making a difference means letting go of needing to be liked and needing to be universally known as ‘a nice person’,” she says. 

Sacramento Bee, Apr. 10, 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, lends her insight in the Sacramento Bee column “Ask the Experts.” Foss answers a reader question about whether or not people can contribute to a 401(k) plan from a former employer. While you cannot add money to a past plan, Foss suggests making the maximum contributions to a current 401(k) or IRA. She also discusses sites like Prosper.com where people can invest in loans for businesses and individuals and get a better rate of return than a bank would offer.

Mint.com, Apr. 9, 2013 Craig Guillot quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article about the benefits and disadvantages of using a tax return as a forced savings plan. Foss says if you are having a substantial amount taken out of your take-home pay, one disadvantage could be not having enough money and resorting to credit cards. However, this may be an advantage by forcing people to budget their take-home pay better. “For people that can’t discipline themselves to save money throughout the year, this might be a viable way to at least help create an emergency fund or help fund an IRA,” says Foss.

Financial Planning, Apr. 4, 2013 Paula Vasan of Financial Planning quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article discussing how advisors can connect with and expand their female client base. Foss asserts that women need to feel comfortable, and it is the duty of the advisor to walk them through their financial plans to minimize their concerns. “If advisors are forward thinking,” she says, “they’ll learn how to speak clearly with their female clients—and they’ll integrate their next generations.”

Sacramento Bee, Apr. 3, 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, offers advice to readers in the Sacramento Bee column “Ask the Experts.” Foss discusses classes that people can take to learn more about personal finance. There are many local resources through community colleges, and countless more online, she says.

The Wall Street Journal, Mar. 31, 2013 Lindsay Gellman of The Wall Street Journal quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article discussing the financial benefits of college students moving home after graduation. Foss advises recent graduates to get control over their expenses, and then to begin saving as much money as possible. Save short-term by building an emergency savings fund as well as in the long-run by starting a retirement savings plan, she says.

Sacramento Bee, Mar. 29, 2013 In Sacramento Bee’s “Ask the Experts” column, Kimberly Foss, CFP, president of Empyrion Wealth Management, offers advice on converting term life insurance to whole life insurance. “Some insurance agents believe life insurance is an excellent investment; however, actual policy performance often proves this false,” Foss notes

. TheStreet.com, Mar. 28, 2013 Brian O’Connell quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article about “spring cleaning” tips for your finances. Foss suggests revisiting old banking and credit card strategies. “Also revisit your retirement accounts — make sure to rebalance your portfolio and update beneficiaries,” she adds. Private Opportunities Club, Mar. 26, 2013 Forrest Jones of Private Opportunities Club quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article that discusses how people can “invest like the wealthy.” Foss advises emulating the wealthy to a certain degree, but reminds investors to keep their risk tolerance in mind, as many of the most affluent investors remained in the stock market at even its lowest points. “To some degree, I believe everybody should have money in the stock market for the long term,” she says.

Investor’s Business Daily, Mar. 22, 2013 Amy Reeves of Investor’s Business Daily features insight from Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article about incorporating health care costs into your retirement savings. Many pre-retirees and retirees underestimate the out-of-pocket cost of health care later in life. Foss asserts that it can be difficult to advise clients to buy long-term care insurance, “since premiums have increased so much and people may never use it.”

TheStreet.com, Mar. 21, 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, joins Gregg Greenberg of TheStreet.com to discuss the future of the markets. With Bernanke and the Fed buying bonds, investors should consider buying large-cap value stocks, Foss says. These stocks are beneficial in a portfolio as they produce a steady “drip,” have global growth and a value tilt for the long-term. To stay diversified, investors should keep bonds in their portfolio, but Foss advises to keep the duration short—between one and three years

. Sacramento Bee, Mar. 2, 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, offers her advice to readers in the Sacramento Bee column “Ask the Experts.” This week, Foss weighs in on accepting an enhanced surrender for a variable annuity with an insurance company. Accepting this offer depends on if the investor relies on the income from the annuity, she says. If so, it will make sense to keep the contract; if not, the investor should consider accepting the deal and reinvesting the money somewhere else.

Hitched.com, Feb. 25, 2013 Hitched.com features an article by Kimberly Foss, CFP, president of Empyrion Wealth Management, with tips on how couples can stay ahead in this time of economic uncertainty. Foss advises being prepared for an emergency, developing a realistic budget, continuing to save money and checking on your portfolio annually. Keeping to these simple rules will go a long way with your financial well-being, she says.

Sacramento Bee, Feb. 22, 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, lends her knowledge to readers in the Sacramento Bee column “Ask the Experts.”  In this week’s column, Foss offers advice on investing in annuities. There are advantages to investing IRA dollars in an annuity, she says, which creates a steady stream of income that continues over a set period of time; you may also be able to get a death benefit guarantee, protecting beneficiaries. Consequences of putting IRA money into an annuity are that there is no further tax advantage to be gained and “you are required to pay a mortality and expense fee (generally 1 percent of your investment), along with an annual contract fee for annuities.”

“Dirty Little Secrets: What the Credit Reporting Agencies Won’t Tell You,” February 2013 Jason Rich features insight from Kimberly Foss, CFP, president of Empyrion Wealth Management, in his book “Dirty Little Secrets: What the Credit Reporting Agencies Won’t Tell You.” Foss offers advice in the chapter “Getting the Help You Need to Fix Your Credit Problems.” She lends insight on rebuilding your credit rating and managing finances.

Bankrate.com, Feb. 5, 2013 Craig Guillot of Bankrate.com quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article that discusses investments that can deliver better returns than CDs. Foss offers that dividend-paying stocks can be a risk in the short-term markets, so in order to benefit most from stocks, people should  invest long-term. She adds that peer-to-peer lending could be a good option for those who want to take a little risk for higher reward. “I wouldn’t put all of your cash here, but it might work well as part of a portfolio with dividend-paying stocks and a short-term corporate bond fund,” Foss says.

This article also appears on: FoxBusiness.com, Feb. 5, 2013

CreditCards.com, Jan. 25, 2013 Sheryl Nance-Nash quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in a CreditCards.com article that discusses lessons that every parent should teach their daughters about credit cards. Foss stresses the importance that the daughters are taught the significance of what they are purchasing, as credit card debt often comes about “one irrationalized purchase at a time.” She adds that delaying the purchase for several days can often provide the time needed to weigh the necessity of the cost. “Impulse buying leads to racking up credit card debt.”

The Wall Street Journal, Jan. 13, 2013 Emily Glazer of The Wall Street Journal features Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article discussing ways that parents can get their teenagers interested in personal finance. Foss suggests that parents turn their teens on to sites like the Mint.com blog, which is easy to read and uses comprehensive language that younger readers can understand, as well as videos from Feedthepig.org, which is full of topics and resources geared specifically towards teens.

Financial Advisor magazine, January 2013 Issue Karen DeMasters of Financial Advisor magazine quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article focusing on the state of variable annuities and the role that they continue to play in the markets. Insurance companies are facing a dilemma as they are not making the money that they were expecting with contracts written prior to the financial crisis. “You are not going to get 6% and 7% payments a year with cost-of-living increases anymore,” Foss says. “Now you are lucky to get 3% or 4%.”

BenefitsPro, Dec. 27, 2012 Paula Aven Gladych features Kimberly Foss, CFP, president of Empyrion Wealth Management in an article that discusses how advisors can successfully connect with and service their female clientele. Foss points out that in order to effectively help them reach their financial goals and prepare for retirement, advisors must understand their female clients and educate them on the topics at hand. Men and women differ in their approach to investment strategies, she says, and advisors “need to understand the economic decision-making in the partnership. [Women] may not make investment decisions, but they make 80 percent of the buying decisions.” Women are more loyal investors, Foss adds, which tends to produce more successful investments for them in the long-run.