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Laguna Beach is a wealthy seaside resort-town located in southern Orange County, California, approximately 24 miles southeast of downtown Santa Ana. The population was 23,727 at the 2000 census.

 As of the census of 2000, there were 23,727 people, 11,511 households, and 5,778 families residing in the city. The population density was 2,681.5/mi². There were 12,965 housing units at an average density of 1,465.2/mi². The racial makeup of the city was 91.99% White, 0.80% African American, 0.36% Native American, 2.08% Asian, 0.08% Pacific Islander, 2.21% from other races, and 2.47% from two or more races. Hispanic or Latino of any race were 6.62% of the population.

There were 11,511 households out of which 18.5% had children under the age of 18 living with them, 40.9% were married couples living together, 6.3% had a female householder with no husband present, and 49.8% were non-families. 36.7% of all households were made up of individuals and 8.1% had someone living alone who was 65 years of age or older. The average household size was 2.05 and the average family size was 2.69.

In the city the population was spread out with 15.8% under the age of 18, 4.2% from 18 to 24, 32.9% from 25 to 44, 33.9% from 45 to 64, and 13.3% who were 65 years of age or older. The median age was 43 years. For every 100 females there were 103.7 males. For every 100 females age 18 and over, there were 104.0 males.

The median income for a household in the city was $75,808, and the median income for a family was $100,778. Males had a median income of $66,221 versus $46,138 for females. The per capita income for the city was $58,732. About 2.8% of families and 5.1% of the population were below the poverty line, including 4.7% of those under age 18 and 4.3% of those age 65 or over.

	Retirement advice and news - CNNMoney.com Why you should be buying stocks now - 16 hours ago When new clients come to me, I ask them a few questions about risk. One is "What would you do if the value of your stocks fell by 50%?" Don't judge an adviser by his title - 2 days ago When you are fearful about the safety of your money, you tend to be more vulnerable to unscrupulous salespeople posing as trustworthy advisers. So a recent crackdown on dubious retirement credentials couldn't have come at a better time. Help for mounting 401(k) losses - 12 days ago Question: I'm retired and my 401(k) has lost approximately 35% over the past year. My financial adviser tells me to stay the course, but the losses keep mounting. What should I do? -Dale Marcos, Lafayette, Indiana How high earners can grab a Roth IRA - 5 days ago Paul Heck owns EveryHome, A successful real estate brokerage in suburban Philadelphia. The 53-year-old never considered making a Roth IRA part of his retirement plan. While Heck understands the substantial tax advantages of a Roth, he makes too much money to qualify. Recently, however, he got a tip from his financial planner about an upcoming change in the tax law that will allow Heck - and many other business owners - to seize a back-door opportunity to open a Roth. Your 401(k) match at stake - 11 days ago As the faltering economy forces companies to cut back, employee perks are among the first things to go. And along with free coffee in the break room, the next thing your employer might axe is its contribution to your retirement savings plan. About 58% of companies in the U.S. offered employees a 401(k) match as of last year according to Watson Wyatt, a benefits consulting firm. But for cash strapped companies, reducing or eliminating the retirement contribution may be one way to cut back on costs during hard economic times. Frontier Airlines already announced that it was suspending its matching contributions to 401(k) plans earlier this year. Struggling automakers General Motors and Ford, as well as Dollar Thrifty Automotive Group and real estate firm Cushman & Wakefield also announced they would no longer be offering employer matches.

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