Santa Barbara Whale Watching

Santa Barbara is such a beautiful and exciting place to live.  There is always something to do, and usually someone who will want to do it with you.  Santa Barbara is known for its wonderfully mild climate, or more simply, its awesome weather.  With such great weather, it is no surprise that there are more than a few outdoor activities to do here in Santa Barbara.  One of the most exciting outdoor activities, where you can interact with nature, is whale watching!  Though whale-watching trips are best to go on during certain parts of the year, if you are in Santa Barbara and can catch them, they is truly amazing!

Due to the migratory patterns of whales the come into the Santa Barbara Channel, the best time to see whales is in the months of December through September.  Basically, October and November are the only months that it can be very difficult to see any whales in Santa Barbara.  December through February is the best times to see Pacific Gray Whales because they are migrating south through Santa Barbara. In the months of May through September, the Blue Whale and the Humpback whales can usually be seen; this is due to a large amount of food that accumulates in the Santa Barbara Channel during these months.  That’s a lot of months that you are likely to actually see whales in the Santa Barbara Channel!

Whales that you may see on a whale watching expedition in Santa Barbara include Pacific Gray Whales, Humpback Whales, Blue Whales as well as Orcas, or Killer Whales. Besides whales, there is a lot of other marine wildlife that you may see on a whale-watching excursion in Santa Barbara.

There are lots of different Santa Barbara companies in Santa Barbara that can provide you with a wonderful whale watching experience.  Some of these local companies include the Condor Express, Captain Jack’s, SEA Landing, Santa Barbara Sailing Center, Santa Barbara Water Taxi, and many more

Ian Filippini lives in Santa Barbara and is a local. Ian Filippini also finds time to be the current president of Filippini Financial Group, Inc.. Ian Filippini also writes articles dealing with real estate, insurance, tax, asset protection, financial advice, and estate planning. Filippini Financial Group, Inc. and Ian Filippini have spent many years using their unique expertise and hands on approach. Ian Filippini provides value to hundreds of retirees and pre-retirees in many areas of wealth management.

Filippini Financial Group, Inc. was originally founded by Ian Filippini’s late father Alfred Filippini in Santa Barbara. Filippini Financial Group, Inc. is located on Coast Village Road in Montecito, California Close to Santa Barbara. Ian Filippini’s mother, Deborah Filippini, and brother, Alex Filippini (Ian Filippini is older), moved to the Montecito and Santa Barbara area.

Santa Barbara and the Beautiful Weather

Santa Barbara is one of the most beautiful places to live and to take a vacation to.  It sits right in between the majestic Santa Ynez Mountains and the breathtaking Pacific Ocean.  It truly is the American Riviera (Ian Filippini agrees).  There is so much to see and to do in Santa Barbara.  There are amazing outdoor activities, great shopping, lots of history and culture, and of course the weather is almost always perfect.  In this article I will give a brief overview of Santa Barbara’s weather patterns and why it has such an amazing climate all throughout the year.

In Santa Barbara, there are over 300 days of sunshine in any given year—that’s a lot of sunshine!!  The humidity levels are usually between 40% and 60% which is not too dry and not too moist.  Santa Barbara gets about only fifteen inches of rain per year, which is similar to some desert climates; the difference with Santa Barbara is that there are no unbearably hot days or violent winter storms.  All things considered, Santa Barbara sounds like paradise (It is according to Ian Filippini)!

The reasoning for Santa Barbara’s great climate is a combination of things.  Much of Santa Barbara runs east to west, which when combined with the nearby mountains and close proximity to the ocean, moderates ocean currents, which greatly affects Santa Barbara’s weather.  The Channel Islands, (about twenty five miles off of Santa Barbara’s coast), also help to block ocean storms and to make the surf more gentle. Santa Barbara’s average temperature stays at about sixty- five degrees (Ian Filippini’s preference).  The average maximum temperature is seventy-five degrees, while the average minimum temperature is fifty-six degrees.  It is never too cold or too hot in Santa Barbara.

An odd climate phenomenon that does happen in Santa Barbara is called June Gloom (not a favorite of Ian Filippini).  With the cold from the ocean meeting the warmth over the mountains, lots of fog accumulates during mornings in the month of June. Other than that, prepare to come to Santa Barbara’s great weather!

Ian Filippini is a Santa Barbara Local. Ian Filippini is also the current president of Filippini Financial Group, Inc. Ian Filippini also wrote articles relating to real estate, insurance, tax, asset protection, financial advice, and estate planning. Ian Filippini and or Filippini Financial Group, Inc. spent many years using their unique expertise and hands on approach to provide value to hundreds of retirees and pre-retirees in many areas of wealth management in the Santa Barbara County area.

Filippini Financial Group, Inc. was originally founded by Ian Filippini’s late father Alfred Filippini. Filippini Financial Group, Inc. is located on Coast Village Road in Montecito, California. Ian Filippini’s mother, Deborah Filippini, and brother, Alex Filippini, moved to the Montecito and Santa Barbara area.

Santa Barbara Shopping

Santa Barbara truly is a great place to live.  Nestled between the beautiful Santa Ynez Mountains and the sparkling Pacific Ocean, its beauty is second to none.  Santa Barbara is a big enough city to have everything you need at your fingertips, while at the same time being far enough away from the hustle and bustle of Los Angeles.  Santa Barbara’s year round mild climate makes this a perfect weather destination at any time of the year.  Though there are many outdoor activities and destinations in Santa Barbara, there are also a great many things for people to do if you want to stay indoors.  Santa Barbara has so many wonderful things to do, but in this article Ian Filippini will be focusing on the wonderful shopping opportunities that the city has to offer.

Santa Barbara and its surrounding areas of Goleta, Montecito and Carpinteria have quite a lot of shopping, and quite a lot of different shopping opportunities.  There are both indoor and outdoor shopping experiences to be had in Santa Barbara, and each one is just as good as the last.

In downtown Santa Barbara there is the Paseo Nuevo Shopping Center.  This mall is a collection of your favorite stores all gathered together in a beautiful outdoor setting.  There are many Santa Barbara restaurants to enjoy here also.

La Cumbre Plaza is another outdoor shopping experience in northern Santa Barbara.  The stores here range from Tiffany’s to Sears, with several Santa Barbara restaurants in between.  Santa (Ian Filippini?) and his elves make an appearance here at Christmas time!

In various spots from Goleta to Montecito, there are many unique boutiques and specialty shops spread throughout the Santa Barbara area.  Some of these shops are bunched together in smaller mall areas and some stand alone as a special surprise you may run into.

Whether you are looking for new shoes, scuba gear, a special piece of jewelry, or kitchen items, Santa Barbara is the place to look for it.  You can find anything you are looking for in your shopping experience here in Santa Barbara! Just ask Ian Filippini.

Ian Filippini is a Santa Barbara native. Ian Filippini is also the current president of Filippini Financial Group, Inc. Ian Filippini authored articles relating to real estate, insurance, tax, asset protection, financial advice, and estate planning. Filippini Financial Group, Inc. and Ian Filippini have spent many years using their hands on approach and unique expertise to provide value to hundreds of retirees and pre-retirees in many areas of wealth management.

Filippini Financial Group, Inc. was originally founded by Ian Filippini’s late father Alfred Filippini (Santa Barbara County). Filippini Financial Group, Inc. is located on Coast Village Road in Montecito, California (Santa Barbara). Ian Filippini has a mother, Deborah Filippini, and brother, Alex Filippini. They and Ian Filippini moved to the Montecito and Santa Barbara area.

Santa Barbara County: Questions and Answers

Santa Barbara County is, simply put, a gorgeous place to live. From the mountains, to the beaches; there are breathtaking views and scenery to take in. The weather is amazing year round. Both the winter’s and summers are mild. For everything the Ian Filippini or the locals of Santa Barbara see or notice, there are many areas that go unseen and unnoticed. Let us take a moment and review some questions and answers regarding Santa Barbara City and Santa Barbara County.

-What is the population of Santa Barbara County?

As of 2010, Santa Barbara County’s estimated population of was around 423,900 people. As of 2011, Santa Barbara County’s estimated population was around 426,900 people.

-What is the population of Santa Barbara City?

As of 2011, Santa Barbara City had a population estimate of around 90,800 people. Ian Filippini and the Filippini family helped raise that number over the years.

-How many people under the age of 5 years old are in Santa Barbara County?

As of 2011, Santa Barbara County had about 6.4% of the population under the age of five years old. Ian Filippini is definitely out of this category.

-How many people under the age of 18 years old are in Santa Barbara County?

As of 2011, Santa Barbara County had about 22.7% of the population under the age of eighteen years old. Ian Filippini used to be in this category when he first moved to Santa Barbara.

-How many people age sixty five or over live in Santa Barbara County?

As of 2011, Santa Barbara County had about 13% of the population had the age of at least sixty five years old. Ian Filippini is not in this category yet.

There are plenty more demographics and fun facts to review about Santa Barbara and Santa Barbara County. Be patient and Ian Filippini will present more articles or papers discussing the fun facts of Santa Barbara City and Santa Barbara County.

Ian Filippini is a local Santa Barbara resident as well as the current president of Filippini Financial Group, Inc. Ian Filippini has also found the opportunity to author articles relating to financial consulting .real estate, insurance, tax, asset protection, financial advice, and estate planning. Filippini Financial Group, Inc. and Ian Filippini have spent many years using their unique expertise and hands on approach to provide value to hundreds of retirees and pre-retirees in many areas of wealth management.

Ian Filippini’s mother, Deborah Filippini, and brother, Alex Filippini, moved to
the Montecito and Santa Barbara area. Filippini Financial Group, Inc. was originally founded by Ian Filippini’s late father Alfred Filippini. Filippini Financial Group, Inc. is located on Coast Village Road in Montecito, California.

Santa Barbara County and It’s Beaches

Santa Barbara County is dotted with beaches from San Luis Obispo to Ventura.  Smack in the middle is the city of Santa Barbara. Santa Barbara and the surrounding Santa Barbara area offer many different beaches for a lot of different tourists.

Traveling on the 101 Gaviota is the first State Beach heading south from Buellton (Considered the start of Santa Barbara).  There is hiking, swimming and camping.   As we get closer to Santa Barbara, the next stop is El Capitan (Ian Filippini’s local favorite). You can find good old fashion camping on the beachside at the State Park, or Glamping on the left, spa side at the El Capitan Canyon Spa in Santa Barbara County. That is the last campground along the beach until you reach the State Beach in Carpinteria (almost the end of Santa Barbara County).

Downtown Santa Barbara has day beaches along the coastal route.  Cabrillo road is home to the Santa Barbara Warf, Harbor and beaches. As you wind through Santa Barbara’s Montecito, Channel Drive will take you to Butterfly Beach across from the Biltmore (Still in Santa Barbara City).  In a cove tucked next to the Coral Casino, surfers and swimmers take to the water.  It is one of the best photo opportunities of the Sunset in Santa Barbara City and Santa Barbara County. This is close to Ian Filippini’s office.

Look Out Point is off the 101 in Summerland.  A playground, benches and BBQ’s give way to an easy walk to the beach.  During low tide the beach stretches to Santa Claus Lane.  Santa Barbara County   allows horseback riding.

Carpinteria City Beach is located at the end of Linden Avenue.  Known as the “World’s Safest Beach,” Carpinteria City Beach is rated #1 swimming beach in California, Ian Filippini takes his nephew here.   The surf is small and there are no trip tides because of its Southern exposure and its protection by the Channel Islands.  The Island Brewery is the perfect way to end the day of exploring Santa Barbara beaches.

Ian Filippini is current president of the Filippini Financial Group, Inc. Filippini Financial Group, Inc. was originally founded by Ian Filippini’s late father Alfred Filippini. Ian Filippini and Filippini Financial Group, Inc. are located on Coast Village Road in Montecito, California (Santa Barbara). Ian Filippini’s mother, Deborah Filippini, and Ian Filippini’s brother, Alex Filippini, moved to the Santa Barbara and Montecito area.

Ian Filippini has authored many different articles relating to real estate, asset protection, financial advice, insurance, tax, and estate planning. Ian Filippini and Filippini Financial Group, Inc. have spent many years using their unique expertise and hands on approach to provide value to hundreds of retirees and pre-retirees in many areas of wealth management.

Santa Barbara’s Pizza: Cravings Answered

Santa Barbara and/or Santa Barbara County is known for its beauty and beaches.  Just ask Ian Filippini (Santa Barbara Local) about Santa Barbara’s surprise food. It is Pizza! Although Pizza is a very well known dish throughout the universe; Pizza usually does not make anyone think of Santa Barbara. Ian Filippini can attest to all the pizza. From fast food to gourmet, Santa Barbara has it all.

If you’re looking for a place for date night try Olio Pizzeria.  It will make you wish you were in Italy – Located at 11 W Victoria, Santa Barbara, California

Giovani’s of Santa Barbara – Located throughout Santa Barbara County, 3020 State Street, Santa Barbara, is one of their convenient locations.

Pizza My Heart – Ian Filippini used to go to Capitola Beach to indulge in this pizza.  Now located in Isla Vista (close to UC Santa Barbara) it is quickly becoming a local’s favorite.   Located @ 6533 Trigo Rd Goleta, Santa Barbara County

Pettrini’s – A local’s favorite –  Located at 14 W Calle Laureles, Santa Barbara

Uncle Rocco’s New York Pizza – You’ll think you’re in New York City.  This one is my favorite. Located on State Street, Santa Barbara.

Montecito Café Bar – What’s pizza without a Cosmo? MCB will hook you up with the best kept secret along Coast Village Road.  – Located at 1290 Coast Village Road, Montecito/ Santa Barbara

Tre Lune serves up an authentic thin pizza.  Not to be missed.  – Located at 1151 Coast Village Road, Montecito /Santa Barbara

Woodstocks – Hang with the college crowd and indulge in pizza and beer. Located in Ila Vista by UC Santa Barbara

California Pizza Kitchen – Is my favorite place to wait out my fellow shoppers.  -  Located at 719 Paseo Nuevo, Santa Barbara

Little Caesar’s is good choice for that hard to feed group on a budget.  My nieces and nephew love the Hawaiian pizza.  – Located at 21 N Milpas Street, Santa Barbara, CA  93103

Ian Filippini continues to be the current president of Filippini Financial Group, Inc. Ian Filippini is proud to have been the author of a number of articles relating to financial advice, estate planning, real estate, insurance, tax, asset protection and financial advice. Filippini Financial Group, Inc. and Ian Filippini have many years of unique experience and knowledge. Ian Filippini’s hands on approach has continued to provide value for hundreds of clients, retirees and pre-retirees in many areas of wealth management in the Santa Barbara Area.

Filippini Financial Group, Inc. was originally founded by Ian Filippini’s late father Alfred Filippini (passed away 2009). Ian Filippini took charge. Filippini Financial Group, Inc. is near Santa Barbara, California. Ian Filippini’s mother, Deborah Filippini, and brother, Alex Filippini, moved to the Montecito and Santa Barbara area.

What Is a Dynasty Trust and How Is It Funded

A dynasty trust is a simple type of trust meant to extend very long term as compared with other types of trusts. Whereas a trust you leave behind for your son or daughter will no longer be applicable after your death and your son or daughter’s usage of the funds, the dynasty trust goes on.

The dynasty trust enables the trust itself to survive 21 years beyond the death of the last beneficiary listed in the trust, who was added to the trust during your lifetime. Imagine how long that would be in your own terms right now. For example, if you established your estate plan today and you have a young, perhaps even infant grandchild, that trust will continue to last well beyond that grandchild’s death (assuming you list the grandchild in the trust), which could be more than 100 years from now.

During the lifetime of the trust, it can continue to act on your behalf. It can keep distributing income and principal the way you want it to (exactly the way you want) for years to come. This is what makes this particular type of trust so powerful—it has lasting power.

Funding It

One of the questions many people ask about this type of trust is exactly how it remains funded. After all, won’t your sons and daughters just deplete it? In a wealthy estate, the estate could carry on for a very long time. However, even for those who do not have the ultimate of the ultimate when it comes to wealth, there is still a benefit.

You see, the savings in estate taxes is a great way for you to keep the trust funded and building wealth. Instead of that money going toward taxes, it is reinvested. Even a modest interest rate and annual rate of return will keep the dynasty trust running and building wealth for the long term, for 100 years or more.

The question to ask yourself, if you are considering this type of estate plan, is if it could help preserve your wealth so that you can benefit more of your family members. In other words, do you want to be able to do more than just hand over your wealth to your children and hope they manage it well enough to leave it to the next generation? If so, this trust can be the ideal way to accomplish this.

Getting the most out of this type of trust will require help. It is best to contact an expert such as Ian Filippini and the Filippini Financial Group to be able to get the most out of your trust.

No advice is given or intended.  This article is not to be considered legal advice.  Ian Filippini is not an attorney.  Filippini Financial Group, Inc. is not a law firm.

Ian Filippini was born in Northern California and parents, Alfred Filippini (dead – liver cancer) and Deborah Filippini, moved to the Montecito (Santa Barbara) area. Ian Filippini brought along his younger brother, Alex Filippini, and worked for Filippini Financial Group, Inc.

What If I Fail to Make an Estate Plan?

Why do you need an estate plan? You may not believe that you have anything of value or you may assume that your son or daughter is the one who will inherit everything you own. Why bother with all of the formal planning of an estate when you just want nothing more than the normal things to occur?

Take a look at some of the outcomes that could happen if you go without an estate plan. If you die prior to the creation of an estate plan and do not have even a basic will, the estate (which includes everything you own and owe) passes through to others according to the state’s law of intestacy.

  • All of your property (in community states) will pass to your spouse or domestic partner, your children, grandchildren, parents, your brothers and sisters, or your other relatives, depending on who you have in your family.
  • Your estate trickles down this type of list, in the order that the state requires.
  • Eventually, the last name on the list, if you have no other heirs, is the state. If you do not have family to whom you can leave your estate, your estate passes to the state.
  • Your property may be fought over through lawsuits in courts for years if you do have heirs and do not make decisions about where your property should go at the time of your death.

Even if you have just minimal assets, or you have hefty loans on the current assets you own, you should still have an estate plan in place to protect your future. Those things will change down the road, and even if you have just a small level of ownership in them long term, it is still a good idea to plan for the outcome.

The costs of not doing so can be expensive, especially if you leave behind friends and family who could benefit from your help. Even philanthropy is a good option rather than handing over your money to the state.

You need an estate plan. Everyone does. The good news is that you can find that estate plan information and resources from the Filippini Financial Group. There, Ian Filippini and his team can help you determine if you need an estate plan or a will, and they can help you plan for this. Most people find that the process is not nearly as troublesome as they thought.

No advice is given or intended.  This article is not to be considered legal advice.  Ian Filippini is not an attorney.  Filippini Financial Group, Inc. is not a law firm.

Ian Filippini’s was born to his father and mother, Alfred Filippini (died) and Deborah Filippini (living). The family has lived in the Montecito and Santa Barbara located in the Southern California area. Ian Filippini’s grew up playing with his little brother, Alex Filippini, and both also worked for Filippini Financial Group, Inc.

What Constitutes Your Taxable Estate?

One of the critical questions you may be asking yourself is: what part of your estate will you have to pay taxes? The answer to that question is—whatever is considered taxable.

To further generalize this answer —whatever you own that is of value. The taxable estate is the gross estate value (all of your assets added up in terms of their current fair market value) minus any deductions you may have (such as mortgages and debts, administration costs, and other allowable deductions). Whatever is leftover is taxable.

Ian Filippini and the Filippini Financial Group can help you determine the specifics for your situation. The personal property included in your estate may include:

  • Any real estate you own
  • Personal property and possessions you own
  • Any investment products you own, such as stocks and bonds
  • All life insurance proceeds
  • All retirement benefits including retirement accounts such as IRAs, 401Ks and pensions
  • All cash on hand, in bank accounts, or otherwise
  • Most types of trusts and copyrights you own
  • Royalties owed to you
  • Patents you own
  • Artwork, collectibles, and antiques
  • Virtually anything you own is a part of your estate.

At the time of your death, the executor of your will or estate plan will need to file an estate tax return, depending on the value of the estate. This will determine how much tax is then applied to the value of your property.

What You Can Do ?

If your taxable estate is more than $1 million, it may be time to think about an estate plan. You can design your estate plan to reduce many of these taxes simply by organizing the estate in the right manner. A good estate plan will help you reduce estate taxes and help you achieve your goals after death. It will take into consideration all of the assets listed previously and others you may own and determine the best possible way to reduce overall costs.

An estate plan is more than a will. It gives you more power to make better decisions. If you are a business owner, a property owner, or if you have wealth, it is critical to establish a plan that would reduce these taxes. Otherwise, your family could end up paying thousands of dollars unnecessarily to the government from your estate. You can protect the value of your estate through simple financial planning tools. Take the time to learn about the various ways you can protect your estate from taxation.

No advice is given or intended.  This article is not to be considered legal advice.  Ian Filippini is not an attorney.  Filippini Financial Group, Inc. is not a law firm.

Ian Filippini is a proud Californian along with his parents, Alfred Filippini (deceased) and Deborah Filippini. The family final decided on settling in Carpinteria and in the Montecito (Santa Barbara) area. Ian Filippini’s always had his younger brother, Alex Filippini, not far behind. They even both also worked for Filippini Financial Group, Inc.

Using a Tax Professional and Financial Planner

Two people you will need to have on your estate planning team are going to be a financial planner and a tax professional. These people will work to make your life easier and the planning better.

 

Tax Professional :

Not just any tax professional will work here. Choose someone who has extensive experience in the field of estate planning. As you have seen throughout these articles, estate planning is all about reducing taxation on your estate. However, making sure you are abiding by all of the terms and laws can be difficult.

  • Choose a professional that is experienced in managing estate taxes.
  • A CPA is often the best choice, but his or her working knowledge should be in estate protections, not in corporate taxes.
  • This professional should be able to help you ensure the methods and strategies you use to create a strong estate plan are legitimate.
  • He or she can also guide you toward making investments that are tax saving. For example, over the course of your life, you will need to put money into retirement plans. The tax professional should help guide you through getting the most tax benefit from making any financial decision.

This should be a person to call on for questions or concerns. You should be able to work between both your estate planning attorney and the tax professional to ensure these plans work hand in hand to achieve your goals.

 

Financial Planner :

A financial planner is a professional who guides your decisions throughout your life to enable you to have as much money as possible in your bank account. That is his or her job.

The more complex process is to understand how to get from where you are today to where you want to be. (Remember the objectives covered earlier?) Your financial planner advises you on how to achieve your goals.

  • This professional can help you work to pay down your debt and begin your savings.
  • He or she will work with you to determine which types of investments are right for your risk tolerance.
  • He or she will work with you to create a plan to build wealth for retirement.
  • This person will work to help you invest so that you can achieve the goals you have.

These two professionals will be able to provide a lot of advice and help as they work together. Check with Ian Filippini and the Filippini Financial Group to help you get the results you need.

Ian Filippini’s parents, Alfred Filippini (died of liver cancer in 2009) and Deborah Filippini (still alive and healthy), loved living in California, especially the Montecito (Santa Barbara) area. Ian Filippini’s and his younger brother, Alex Filippini (only 1 or 2 years younger), also worked for Filippini Financial Group, Inc.

No advice is given or intended.  This article is not to be considered legal advice.  Ian Filippini is not an attorney.  Filippini Financial Group, Inc. is not a law firm.