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Aptos
July 29, 2026

Update on local road repair projects

zach friend
By Zach Friend, Santa Cruz County Supervisor Here are some updates on local road repairs and proposed projects for bike and pedestrian safety this year. Funding for these projects comes from Measure D (which brings in about $900,000/year to our district for local roads), SB...

Fine-tuning moves for 2018

Last month we wrote about a couple of year-end money moves to make. Now that we’ve rung in the New Year, below are a couple of areas to look to fine-tune your financial life for 2018.

Navigating uncertainty

croxall financial help
As we write this month’s article, we are facing a sea of uncertainty. First and foremost, we understand yours and your loved one’s physical health is of primary concern. However, we wanted to use this article to discuss a few tips and resources to...

Making housing more affordable in our county | By ZACH FRIEND SANTA CRUZ COUNTY SUPERVISOR

At the local level the county has taken significant steps toward modernizing and improving affordable housing regulations to help encourage the creation of affordable housing.

The Rio Del Mar Beach Club

Both Seacliff and the Rio Del Mar developments were severely impacted by the depression which started in 1929, the same year the Rio Del Mar Hotel opened.

Non-spouse beneficiaries of IRAs

Gary E. Croxall, CFP® Soren E. Croxall, CFP® Croxall Capital Planning Securities and Advisory Services offered through National Planning Corporation (NPC), member FINRA/SIPC, a Registered Investment Advisor. Consulting and Investment Management offe

Accepting market volatility

2017 was a boring year for the financial markets. It seemed like every day last year the S&P 500 and NASDAQ creeped higher and higher. In fact, 2017 was one of the calmest year for the markets in decades. 2018 has started off a different story. After blasting off in January with the S&P 500 rising almost 6 percent, February and March have been met with large swings up and down, ending down 0.8 percent on a total return basis at the end of March. With this recent volatility, now is a good time to understand what is going on and how you might be affected.

Don’t need your annual ‘RMD’ for living expenses?

Age 70.5 is a milestone birthday in the United States. It’s also a birthday most people dread because Uncle Sam comes knocking, looking for you to pay taxes on retirement money that you’ve been diligently saving and deferring. If you are like most who reach this magical age, you probably factor in your anticipated required minimum distribution (“RMD”) that you must take from your various retirement accounts each year into your overall living expense needs. However, if you are one who truly doesn’t need the money to pay for everyday expenses, here are a couple of options for you to consider.

Gentlemen Only, Ladies Forbidden

The title is supposedly an acronym for where the name “golf” came from. I don’t like to be politically incorrect but, this is what is called an “old wives’ tale.” Women have been very involved in golf on the Monterey Bay. Marion Hollins, a championship golfer, developed the Cypress Point Club and Pasatiempo Golf Club.

Reflections on my sixth year as your County Supervisor

As I begin each new year as your County Supervisor, I like to report back in this column on some of the things we’ve accomplished because of your partnership and communication of priorities.