LampPost Planning

Call Website Contact the business

LampPost Planning We are financial advisors. We objectively guide committed clients along a thoughtful, simple path to building wealth and knowledge.

We specialize in planning, investments, and insurance.

Two years in a row! ๐Ÿ†Weโ€™re proud to share that LampPost Planning has been recognized as a BusinessRate Best of 2026 Awar...
10/21/2026

Two years in a row! ๐Ÿ†

Weโ€™re proud to share that LampPost Planning has been recognized as a BusinessRate Best of 2026 Award Winner for both Oakland and Alameda County!

A huge thank you to our clients and community for your continued trust and support. Weโ€™re honored to be recognized again and grateful to do what we love every day! ๐Ÿ’™

Retirement doesnโ€™t have to mean slowing down unless you want it to. ๐Ÿš€More retirees are starting consulting practices and...
10/20/2026

Retirement doesnโ€™t have to mean slowing down unless you want it to. ๐Ÿš€

More retirees are starting consulting practices and small businesses, and AI tools are making it easier than ever. You bring the decades of experience. AI can handle a lot of the busywork:

โœ๏ธ Writing: draft proposals, emails, and website copy, then proofread and polish them
๐Ÿ“Š Bookkeeping: auto-categorize expenses and flag unusual charges
๐Ÿ’ฌ Customer service: chatbots answer common questions and book meetings, even on weekends
๐Ÿ“ฃ Marketing: keyword research, content ideas, and scheduled posts
๐ŸŽ™๏ธ Meetings: transcripts and action items, so you can focus on the conversation

You donโ€™t need a technical background. If you can send an email, you can learn to use these tools.

https://www.lamppostplanning.com/post/ai-is-helping-retirement-become-the-start-of-a-new-career

Whatโ€™s one task youโ€™d love to hand off this week? ๐Ÿ‘‡

More Americans are deciding that enjoying life now matters just as much as making financial progress for later.A recent ...
10/20/2026

More Americans are deciding that enjoying life now matters just as much as making financial progress for later.

A recent SoFi survey found that 72% of Americans would be willing to make slower progress toward their financial goals so they can spend more time with family, travel more, and prioritize meaningful experiences.

That doesnโ€™t necessarily mean abandoning long-term goals. In fact, 59% of respondents said enjoying life is how they define financial progress, compared with 27% who pointed to owning a home.

The challenge is finding a balance between what matters now and what matters later. โœˆ๏ธ That can mean making room for a vacation, concert, or family event while still keeping an eye on retirement savings and debt.

But charge that trip to a credit card and carry a balance, and interest can turn a two-week memory into a much longer bill.

What does financial progress look like to you: reaching the next milestone, enjoying more of life now, or some mix of both?

https://www.cnbc.com/make-it/2026/09/23/lifemaxxing-financial-goals-spending-saving.html

Did you know the Grand Lake Theatre in Oakland does $6 movie tickets every Tuesday?Tuesdays are historically one of the ...
10/14/2026

Did you know the Grand Lake Theatre in Oakland does $6 movie tickets every Tuesday?

Tuesdays are historically one of the slowest days for theaters, so instead of eating empty seats, they just lower the price. $6 instead of $15 is enough to get people off the couch who might've skipped the movies altogether.

But the ticket price is only half the story. Filling seats on a slow day means more popcorn and drink sales, where the real margin is, revenue on a day that would otherwise be dead, and new price-sensitive customers without cutting into the weekend crowd that's happy to pay full price.

Worth asking yourself if you run a business: where are your slow days, seasons, or time slots where a lower price might actually grow revenue? And on the flip side, where are the peak times people would pay more without blinking?

It's about matching price to demand, because 50% of something beats 100% of nothing.
..and that's from a Mind of a Financial Advisor. ๐Ÿ’ญ

๐Ÿ“Œ Higher rates sting borrowers, but they can be a real win for savers.As rates rise, banks may increase the yields they ...
10/12/2026

๐Ÿ“Œ Higher rates sting borrowers, but they can be a real win for savers.

As rates rise, banks may increase the yields they offer on savings products to attract deposits. The average U.S. savings account still pays just 0.64% annual percentage yield. Some high-yield accounts are paying more than six times that, up to 4.2%, for the exact same deposit. ๐Ÿ”Ž

Certificates of deposit, or CDs, can offer even higher rates, but the tradeoff is access: your money is locked in for a set term, and pulling it out early usually costs a penalty.

Higher yields donโ€™t erase the effects of inflation, and they wonโ€™t necessarily transform household finances. But if your savings account is still earning close to that 0.64% average, that gap alone might be worth a second look.

Why So Bearish?
10/09/2026

Why So Bearish?

I'm a sucker for a good deal, always have been. So when I told my mom Ghirardelli was doing $7.25 mini hot fudge sundaes...
10/07/2026

I'm a sucker for a good deal, always have been.

So when I told my mom Ghirardelli was doing $7.25 mini hot fudge sundaes for National Hot Fudge Sundae Day, she didn't hesitate. Guess I know where the deal-hunting and the sweet tooth both come from. ๐Ÿจ

The store was easily twice as busy as I'd expect for a random weekday. And I couldn't help but think about the business behind it, Ghirardelli's barely making anything on that sundae, food cost is probably under a dollar, but that was never really the point. Promotions like this are about getting people through the door and letting the rest of the visit do the work.

Rough math: if they're seeing 100 customers an hour, half came for the promo, and half of those spend an extra $20 while they're there, that's $12,000 in additional revenue in a single day. Numbers will vary, but the principle holds: a good promotion drives way more than the discount itself costs.

What made this one work:

Limited-time, so there was real urgency
The offer was genuinely good (half off!)
It tied into something fun
It got pushed hard on social media

The best promotions don't just cut a price. They give people a reason to join the moment.
..and that's from a Mind of a Financial Advisor. ๐Ÿ’ญ

Politics has a funny way of shaping how we see the economy, even when we're all looking at the same numbers.Take inflati...
10/05/2026

Politics has a funny way of shaping how we see the economy, even when we're all looking at the same numbers.

Take inflation expectations. Right now, Republicans expect prices to rise about 2.4% over the next 12 months. Democrats? 4.7%. Same economy, same data, nearly double the outlook.

This is what economists call "motivated reasoning", our political identity quietly coloring our financial predictions.

As election season heats up, it's worth remembering: markets don't run on opinions. They run on fundamentals. Don't let the noise of the news cycle drive your financial decisions.

Stay focused. Stay grounded. And when in doubt, talk to a professional who can help you separate the signal from the static. ๐Ÿ“Š

What is Universal Life Insurance?Unlike term life insurance, universal life insurance is permanent, it stays in force fo...
10/02/2026

What is Universal Life Insurance?

Unlike term life insurance, universal life insurance is permanent, it stays in force for your entire life. But its standout feature is flexibility: you decide how much to pay above a set minimum, and that shapes your policy's face amount.

Other key features:
โœ… Cash value grows tax-deferred
โœ… Policyholders can typically borrow against that cash value under favorable terms
โœ… Beneficiaries receive a death benefit (which may or may not be taxable, depending on structure)

It's not a one-size-fits-all solution, whether it's right for you depends on your goals, health, and financial circumstances. ๐Ÿ“‹

Curious if universal life insurance fits into your financial plan? Click below
https://www.lamppostplanning.com/post/universal-life-insurance

October is Breast Cancer Awareness Month ๐ŸŽ€We take this time to honor the strength of those who have faced a diagnosis, s...
10/01/2026

October is Breast Cancer Awareness Month ๐ŸŽ€

We take this time to honor the strength of those who have faced a diagnosis, support those currently going through it, and recognize the families and communities who stand beside them.

Awareness matters. Support matters. Presence matters. We stand with you.

Address

Oakland, CA
94619

Opening Hours

Monday 10am - 7pm
Tuesday 10am - 7pm
Wednesday 10am - 7pm
Thursday 10am - 7pm
Friday 10am - 7pm

Telephone

+15109924000

Alerts

Be the first to know and let us send you an email when LampPost Planning posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to LampPost Planning:

Shortcuts

Share