Liberty Wealth Management

Liberty Wealth Management We are a highly experienced, comprehensive, biblically based, financial planning and advisory firm. Ronald S. Mr. Educated at the U.S.

Latin, CFP

Principal

Ron Latin is a Certified Financial Planner and Founding Principal with Liberty Capital Management, Inc. Latin is a seasoned advisor now in his fourth decade of professional practice...
He seeks to provide the highest quality financial planning and wealth management advice to his valued clients. Ron's mission is to help clients develop and execute plans that will build and

preserve wealth, protect it against the ravages of taxes and inflation, and create a legacy for the client, their family, and organizations that share their values. Ron is committed to the precept that by placing his clients' interests first, he will add considerable value to the wealth management process and earn the client's trust and respect. Investment strategies are designed to deliver superior results over the long term using time-tested principles and a well defined strategy that is intended to withstand the unpredictable nature of the investment markets. Latin is also a Registered Representative of Royal Alliance Associates, Inc, one of the nation's largest, independent, full service securities broker dealers (member FINRA, SIPC). He also holds California Life and Disability, and Variable Contract licenses. Air Force Academy in Colorado Springs, Colorado and Chapman University in Orange, California, Mr. Latin earned a Bachelor of Arts degree in history from Chapman in 1972. He achieved his Certified Financial Planner credentials in 1986. Latin is a long time member of the National Association of Insurance and Financial Advisors. He is a member of the South Orange County Estate Planning Council. He and his wife, Cindy, have been married for 39 years, live in Laguna Niguel, California and have a grown daughter and two sons. Ron enjoys sailing, golf, and volleyball. DISCLOSURE:

Securities an investment advisory services offered through Royal Alliance Associates, Inc., member FINRA/SIPC and a registered investment advisor. Investments in securities involve risk, including the potential loss of principal invested. This communication is intended to individuals residing in the states of AZ, CA, CO, GA, MI, MN, MO, NV, TX, UT, and WA. No offers may be made or accepted from any resident outside the specific state referenced. The site may contain links to articles or other information that are contained on a third party website. Royal Alliance Associates, Inc. does not endorse or accept responsibility for the content, or the use, of the web site. assumes no liability for any inaccuracies, errors or omissions in or from any data or other information provided on the pages. or Liberty Capital Management, Inc. is not affiliated with LinkedIn. We do not expressly or implicitly adopt or endorse any of the expressions, opinions or content posted by fans or any third-parties on this site. We do not control, serve, adopt or endorse any content that LinkedIn may publish on this site. No part of this site is intended to make a recommendation or state a testimonial for or about a security, service or product, or to provide investment, tax or any other advice. At our discretion, we may remove comments or fans for a number of reasons. We request that you keep your comments within the purposes of this site. In your comments, please avoid specific mention or discussions about investment advice or products, specific securities or investments, or trading strategies. IMPORTANT: We do not provide customer service or enable financial transactions through this site. Should any client of the firm have questions or concerns that are specific to their account(s), please contact your financial advisor directly. You should never post personal, account or transaction information anywhere on this site. For customer inquiries, please call (949)724-8848.

👉 Roughly 56 percent of IPOs bought at the offer price lost money after 3 years.That's not the headline you see on day o...
09/02/2026

👉 Roughly 56 percent of IPOs bought at the offer price lost money after 3 years.

That's not the headline you see on day one.

You see the first-day pop. The company goes public, and its stock has averaged a 19 percent gain since 1980. Feels like a moment you should catch.

Here's what actually happens:

1️⃣ Institutional investors get the offering price before trading opens.

2️⃣ You buy at market open, after the move.

Then the real story starts.

🔎 This gap is based on research led by Professor Jay R. Ritter, who authored a 2026 report on IPO performance for the University of Florida. His analysis of 9,300 U.S. IPOs is one of the most comprehensive databases available.

Chasing IPOs can provide a thrill, but there are pros and cons.

A sound portfolio should reflect an investor's goals, risk, and time horizon. The risks of an IPO are not for everyone. 🎯

📋 Past performance does not guarantee future results. The return and principal value of IPOs and other stocks will fluctuate as market conditions change. And shares, when sold, may be worth more or less than their original cost.

Two retirees can earn the same average return and have very different outcomes.Why?Because in retirement, timing matters...
08/27/2026

Two retirees can earn the same average return and have very different outcomes.

Why?

Because in retirement, timing matters.

An early market downturn in retirement can be more damaging than the same downturn later.

That is the sequence-of-returns risk.

The risk is not simply “the market went down.” It’s “the market went down while income still had to come out.”

A strong retirement strategy should look beyond average returns and address:

🔹 Where income will come from
🔹 How much cash or short-term reserves make sense
🔹 Which accounts to draw from first
🔹 When to rebalance
🔹 How RMDs and Social Security fit into the withdrawal strategy

Sequence-of-returns risk does not make many headlines.

But for anyone entering retirement, it can be one of the most important ideas to understand.

The goal is not to predict the next downturn. It’s about being prepared.

By 2030, women are expected to control nearly two-thirds of private wealth in the United States, representing roughly $3...
08/26/2026

By 2030, women are expected to control nearly two-thirds of private wealth in the United States, representing roughly $30 trillion, according to a landmark 2020 study by McKinsey & Co.

That shift is already underway.

More women than men now graduate from college. Women-owned businesses generate more than $2.7 trillion in annual revenue.

And because women statistically live longer than men, many also manage the final, and often most complex, chapter of a family’s financial life.

The numbers tell an important story:

🔸 Women make or influence a growing share of household financial decisions.

🔸 Yet many still report feeling less confident, less heard, and less well served by traditional financial preparation.

🔸 That gap isn’t about ability. It is about whether the guidance, questions, and process reflect the realities of modern wealth.

Today is Women’s Equality Day.

A financial strategy should reflect the life being built and the goals that matter most for women and men alike: family dynamics, longevity, business ownership, caregiving, legacy, and the financial decisions that shape what is possible.

Does yours?

There is usually no single moment when the roles begin to shift with aging parents.A confusing medical bill.A missed pay...
08/25/2026

There is usually no single moment when the roles begin to shift with aging parents.

A confusing medical bill.
A missed payment.
A scam text that almost got clicked.

When and how do you step in without taking over?

The goal is not to take control.

The goal is to make sure helpful people, information, and safeguards are in place before decisions have to be made under pressure.

One potential conversation starter you could try…

“We are reviewing our own estate documents and realize we should understand where everything is.”

Sometimes, that is enough to open the door.

The families who tend to feel best about how this chapter goes are the ones who approached it as a proactive exercise rather than a response to a problem.

We are glad to be part of that process at whatever stage a family is ready to begin.

Stocks declined last week as global investors fretted about oil-supply-induced inflation. The Standard & Poor’s 500 Inde...
08/24/2026

Stocks declined last week as global investors fretted about oil-supply-induced inflation. The Standard & Poor’s 500 Index declined 1.43 percent, while the Nasdaq Composite Index slid 2.05 percent. The Dow Jones Industrial Average...

As today is National Senior Citizens Day, we wanted to draw attention to something that can sometimes fall through the c...
08/21/2026

As today is National Senior Citizens Day, we wanted to draw attention to something that can sometimes fall through the cracks: the Medicare Part B late enrollment penalty.

Most don’t know that if you miss your Initial Enrollment Period (the 7-month window around your 65th birthday), Medicare tacks on a 10 percent surcharge to your monthly premium for every 12 months you delay enrollment.

No cap. No expiration date.

Delay two years, pay 20 percent more. Delay by five years, you pay 50 percent. Every month. For life.

How to manage it?

You are only exempt from this penalty if you qualify for a Special Enrollment Period (SEP).

This usually means you delayed signing up because you (or your spouse) were still actively working and had "creditable" health insurance through that active employer.

If you’re concerned, ask your financial professional where to find the most up-to-date Medicare information.

Stocks were mixed over a sleepy summer week, as cooling inflation lifted markets while sluggish retail sales nipped at i...
08/21/2026

Stocks were mixed over a sleepy summer week, as cooling inflation lifted markets while sluggish retail sales nipped at investor sentiment. The Standard & Poor’s 500 Index added 0.36 percent, while the Nasdaq Composite Index edged up 0...

Donating appreciated stock to charity has pros and cons. So, most donors still write the check.When you contribute appre...
08/19/2026

Donating appreciated stock to charity has pros and cons. So, most donors still write the check.

When you contribute appreciated securities directly to a donor-advised fund (DAF), you can manage capital gains tax on the gain and perhaps deduct the full fair market value.

The charity receives the full amount. Nothing is lost to taxes in between.

From there, you can focus grants to any eligible nonprofit on your own timeline. The funds can stay invested and may grow while you decide.

💡 If you're holding appreciated positions and giving is part of your strategy, how you give matters as much as how much you give.

📋 **Some donor-advised funds are considered mutual funds and are sold only by prospectus. The prospectus will provide information on charges, risks, expenses, and investment objectives and should be reviewed carefully before investing. Investment companies can provide a prospectus, or you may prefer to ask your financial professional.**

💡 Consider asking your financial professional to work with your tax, legal, or accounting professionals if a DAF sounds interesting.

Some professionals assume their financial strategy is in better shape than it is. Not because they're careless. Because ...
08/14/2026

Some professionals assume their financial strategy is in better shape than it is. Not because they're careless. Because they're busy.

Today is National Financial Awareness Day. Four questions worth sitting with:

▸ If something happened to you tomorrow, would your family know what you have, where it is, and what to do?

▸ Are you on track to replace your income in retirement, or are you assuming you will be?

▸ Has your financial strategy changed as much as your life has in the last 12 months?

▸ If markets dropped tomorrow, do you have written goals or a general sense of what you'd do?

You don't have to answer all four today. But if one made you pause, that's the one worth paying attention to.

Stocks bolted ahead last week as investors cheered the last big week of Q2 corporate reports and a Friday jobs update th...
08/13/2026

Stocks bolted ahead last week as investors cheered the last big week of Q2 corporate reports and a Friday jobs update that put the spotlight on the Fed's next move with short-term rates. The Standard & Poor's 500 Index advanced 3.57...

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2 Corpus Christi Place, Ste 200
Hilton Head Island, SC
29928

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 12pm

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+18434764772

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