WEALTH MANAGEMENT

When the time comes, we all hope to retire comfortably. Will you be ready? We work with you on an individual basis to create a personal, customized plan to help you work towards your goals. We start with a conversation to assess the full spectrum of financial factors and instruments that you may need to help you work towards your goals.

The Key Components we focus on are:

Retirement Planning

When the time comes, we all hope to retire comfortably. Will you be ready? Our goal is to help you achieve your unique dreams of retirement. It’s never too early to start thinking about a retirement strategy. Start saving early, utilize tax-deferred investment vehicles, such as your 401(k), and make smart investments — easier said than done. That’s why we take a holistic and personalized approach to planning. Our goal is to help you construct a customized retirement plan that takes into consideration your unique goals, financial situation, and dreams of the future. We start with an in-depth analysis of your current financial situation and then focus on your goals, priorities, and cash needs for a retirement that you can afford and enjoy. Let’s have a conversation about your retirement planning needs. We offer a no-cost, no obligation 90-minute consultation if you want to sit down and talk.

Tax Planning

The primary goal of tax planning is to minimize your tax burden and to financially position you to pay your true legal minimum in taxes. Taxes are one of the largest expenses that you have, yet it’s one of the most underutilized means of preserving your accumulated wealth. As everyone’s tax situation is different, it is important to work with a financial expert with in-depth knowledge of available tax-saving tools. We can show you how to take advantage of many of the tax-saving aspects of the Internal Revenue Code and the tax codes of California and other states. These include claiming all adjustments to income, deductions, and credits to which you are entitled, making tax-deferred or tax-exempt investments or investments whose earnings are taxed at a lower rate, making tax-exempt gifts, including gifts to individuals and charities, creating trusts, planning your estate, and other tax-saving ideas and methods.

Estate Planning

Everyone dreams of providing loved ones with a head start. Estate plans have to be developed with a comprehensive strategy, taking into consideration the entirety of your estate, such as cash, investments, retirement accounts, and personal possessions, while also considering taxes, debts, trusts, and associated expenses. The process of building this strategy to maximize the transfer of your estate can be complex, but our financial experts are here to help you leave a legacy — one that creates a true impact on your loved ones, special interests, or charities.

Investment Management

Understanding your tolerance for risk and developing a long-term perspective on investing helps you better prepare for the future. We are here to help. Simply put, an investment is an asset that can increase in value, provide income, or both, such as stocks, bonds, mutual funds, exchange traded funds (ETFs), real estate, commodities, and even certain collectibles, like fine art. The management of those investments is the key to unlocking the potential of your investment efforts. That is why getting the right advice from trustworthy financial experts is so crucial to success in investing. For over 30 years, people have entrusted us with the responsibility of managing their investments and looking out for their best interests. We take this responsibility with the utmost seriousness, integrity, and professionalism. Let us show you how your investments can work even harder for you, as you pursue the lifestyle you deserve.

Risk Management

Life is filled with uncertainties, some you can plan for and some you can’t. We help you identify risks and set up a plan to make sure you are protected.

“Risk management” is essentially a term used to describe how to protect yourself, your family, and your assets. Everyone practices risk management. Buying life insurance, for example, is a simple form of risk management and protection.

Together, we develop a set of strategies to identify potential risks associated with your unique situation and then institute policies and procedures to guard against these risks. We help you manage risk in several ways, insuring at least a portion of your portfolio, allocating your assets across classes, and/or diversifying your holdings.

Diversification seeks to reduce the volatility of a portfolio by investing in a variety of asset classes. Neither asset allocation nor diversification guarantees against market loss, or greater or more consistent returns.

Cash Management

They say cash is king, but understanding how to manage your cash, set aside reserves, and have a balanced approach is challenging for many. That’s where we can help.

Cash is more than just the dollars in your wallet or purse. Cash investments include your checking and savings accounts, certificates of deposit (CDs), money market funds, and more. The coordinated management of these assets is crucial to making the most of your investment efforts.

We meet to discuss topics such as the amount of cash you should hold in your accounts at any one time and the amount that you should place in longer-term investments.

Everybody’s situation is different and the advice we give is based on our holistic approach and your individual and family needs.

Wealth Management Services in California

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Seven Principles of Long-Term Investing

Hiding your money under a mattress, as an investment strategy, is probably not a good idea.

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