Principal and Chief Investment Officer
Kevin Gahagan specializes in working with business owners, professionals and corporate executives in providing advanced financial planning, retirement solutions, and investment strategy. He has been recognized by the San Francisco Business Times as one of “the Bay Area’s Top Twenty-Five Independent Wealth Advisors,” identified as a “Top Advisor” by Reuters AdvicePoint, and recognized by the Consumer Research Council of America as one of “America’s Top Financial Planners.”
Prior to establishing his financial advisory practice, Kevin enjoyed a successful twenty-year career with Wells Fargo Bank. He is a CERTIFIED FINANCIAL PLANNER™ professional, a Certified Investment Management Analyst (CIMA®), Certified Estate Planner (CEP), and Certified Investment Management Consultant (CIMC). Kevin is a past president of the East Bay chapter of the Financial Planning Association and past Chairman of the association's Northern California Presidents' Council. He served for seven years on the board of the Estate Planning Council of Diablo Valley concluding his service as President and Chairman. He currently serves on the San Francisco board of the American Association of Individual Investors.
From 2000 through 2005, Kevin taught the “Investments” course for the financial planning program at UC Berkeley. He was also a founding member of the program’s professional advisory board. Often quoted in the national press and local news media, Kevin is a frequent speaker on investment strategy, financial and retirement planning. He has been a featured guest on a number of national and local radio and television programs.
Kevin weighs in with smart tips to keep top of mind when considering refinancing a loan. A great reminder: refinancing isn't free. Factor in closing costs and bank fees when making your decision.
Wondering how much you should be saving for retirement? Kevin Gahagan presents a pretty easy equation to find out:
“Take what it costs you to live today — both spending and taxes — and multiply this amount by 25. This would equate to a planned withdrawal rate of 4% over your lifetime. To this sum, you can add Social Security income which may allow for a lower withdrawal rate or can be a supplement to what you withdraw from your investments.”
Wealth managers harvest tax losses through applying capital losses to reduce ordinary income, and writer Cyril Tuohy explains the process for InsuranceNewsNet. Kevin weighs in:
Capturing temporary losses to offset other realized gains “allows us to keep investment-related taxation at a lower current level,” said Kevin M. Gahagan, a financial planner with Mosaic Financial Partners in San Francisco.
“It needs to be acknowledged that this isn't a free lunch and it doesn't eliminate the eventual taxes that will come due,” he said. “This is a tax deferral strategy. It does defer the timing of when taxes may need to be paid.”
In English, this title translates to “14 Basic Tips for Investing in 2017.” Kevin contributes several edifying tips in this gallery designed for Spanish speakers new to investing.
Emerging-markets bonds are a hot destination for ETF investors looking to avoid sapping the “income” component of fixed income (often impacted by low and negative rates). Writer Ari Weinberg notes that “such funds can feel more like a stock than a bond. Fixed income from developed markets is often used to reduce risk in portfolios.” Weinberg quotes Kevin:
“Emerging-markets fixed income has characteristics [and a volatility and return profile] closer to emerging-markets equity.” Weinberg goes on to note that “Mosaic manages $550 million in portfolios of mostly ETFs and looks at EMB within its 'alternatives' allocation.”
Kevin outlines the first steps one should take in getting their finances in order, as interviewed by Jen Hansen for Zing! Blog by Quicken Loans.
Writer Morey Stettner muses on the best practices developed from the occasional, inevitable process of losing a client. Kevin Gahagan weighs in.
Writer Amy Fontinelle interviews Kevin on cutting down on spending in order to exercise larger control over the outcome of your future retirement; it's the only variable that individuals have direct control over.
Writer Amy Fontinelle interviews Kevin on retirement strategies:
“The fewer equities you have, the lower your withdrawal rate can be, Gahagan says. If your portfolio is 60% fixed income and 40% stocks, a 4% withdrawal rate is not realistic. But the solution is not an all-equity portfolio, either, because if there’s a severe recession and you’re forced to sell at a loss in the early years of your retirement, it can kill the sustainability of your portfolio, he says.”
Returns after inflation are what matter: writer Amy Fontinelle interviews Kevin on how inflation effects a retirement portfolio's returns.
Writer Amy Fontinelle interviews Kevin on rates of return:
“We’ve seen capitalism survive recessions, depressions, world wars and all sorts of calamities. Capitalism has proven to be resilient and markets have continued to grow despite an array of problems. I don’t believe this will change.”
Kevin weighs in on utilizing an app to guide investment choices for Josh Weiss at CNBC.
"You're buying whatever you're buying at a better price today than what it was last week," said Kevin Gahagan, principal and senior advisor at Mosaic Financial Partners in San Francisco.
Kevin Gahagan, our principal and senior advisor at Mosaic, was quoted in an article by Tom Anderson about when we should check our retirement portfolio, noting specifically that investors should not overreact to recent turmoil in the markets, since market volatility is always with us.