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This information is for educational purposes only and should not be used or construed as financial advice, an offer to sell, a solicitation of an offer to buy, or a recommendation for any security or strategy mentioned. The views expressed are solely the personal opinions of the authors and do not necessarily reflect the views of the University; Cushman & Wakefield; Planned Solutions; SAFE Credit Union; Golden 1 Credit Union; Capital Planning Advisors, LLC; CalPERS; or Goldenstone Wealth Management. The authors do not guarantee that the information supplied is complete or timely, undertake to advise you of any change in its opinion, or make any guarantees of future results obtained from its use. The authors’ employers and affiliates may issue reports or have opinions that are inconsistent with, and reach different conclusions from, this report. Past performance does not indicate future results. Copyright © 2022 Sacramento Business Review