Our Services

Income For Life

We work with you on an individual basis to create a personal, customized plan to help you work towards your goals. Our holistic approach to wealth management on retirement, tax, and legacy planning as well as investment, risk, and cash management puts your needs first. That’s why 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.

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 mind 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.

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.

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.

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.

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.

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.

Whether you’re considering a first home purchase, have your eye on a retirement dream home or you’re simply looking for a better deal, we are here to provide expert insight and advice. As a trusted mortgage banker that’s been serving Northern Californians for over 30 years, we’ve been helping people just like you find the loan that is right for their unique circumstances.

When interest rates go down, you can “refinance” your home or business loan and receive some potentially exciting and rewarding benefits.

For one, your monthly mortgage payment can be reduced. You can apply the savings to reduce the principal on your loan or you can take cash out to pay for college tuition, buying a car, household improvements, and other expenses.

But there are costs to refinancing, and with these costs come questions: When is the best time to refinance? What fees are involved? What if my income has decreased – can I still qualify to refinance?

Contact us for the answers to these questions and more.

An increasing number of homeowners are choosing to do reverse mortgages – using the equity in their home to supplement their current income.

Reverse mortgages are not for everyone, but they can be very useful for people who may have built up a lot of home equity over the years and could use a little more money to meet their current spending needs.

Reverse mortgages are safe, proven, and successful – and we can show you how you could potentially benefit from one.

This new concept in home financing, “Home Ownership Accelerator,” can help you pay off your mortgage much quicker than through conventional loans.

In the process you can save thousands (even tens of thousands!) of dollars while achieving the American dream of home ownership.

The innovative Home Ownership Accelerator program focuses on paying off your mortgage debt. At the same time, through the use of a line of credit with your bank secured by your home, you can spend as you normally do – increasing equity in your house while eliminating that debt.

There are some qualifications and requirements – contact us to find out more.

Conventional fixed-rate loans have many advantages. Monthly payments stay the same over the life of the loan, for example, because the interest rate on the loan does not change.

The fact that you can count on how much your mortgage payment is going to be every month can help you feel more secure about your future.

But should you get a 30-year fixed, or 15-year? How big of a mortgage should you take? There are certain things you need to consider with these loans – which is why it’s so important to talk to the professionals at the O’Donnell Financial Group, who can help you make the right choice.

Adjustable loans provide flexibility that a conventional fixed loan may not have. An adjustable loan may allow you to qualify for higher borrowing amounts than a fixed loan. Your initial monthly mortgage payments may be lower, and the payment may even go down if interest rates decline.

Of course, an adjustable rate mortgage can go up if rates increase. But you can set a shorter term for an adjustable – say, a year and a half, or three or five years, or other options – and this can lessen your risk exposure.

What do you do? Well, you do what you’re doing now: getting information and learning. When you’re ready to take the next step, we’re here for you.

With such a smorgasbord of loans to choose from, one solution is to talk to the professionals at the O’Donnell Financial Group.

For new home buyers or current homeowners who are interested in refinancing, there are loans guaranteed by the Federal Housing Administration (FHA). For military veterans, financing and refinancing programs are offered through the Department of Veterans Affairs (VA).

A variety of commercial and small business loans can help businesses and companies. Then there are “private money” loans for buying real estate and other purposes.

Talk to us to make the right choice.

Everybody needs insurance of one kind or another and most people need a few different types. They’re critical components to financial well-being that can help protect you from certain risks. But making sense of all the types of insurance, the amount you may need, and the associated costs can be quite daunting. That’s where we can help.

Personal liability insurance is also known as “umbrella” coverage. It provides another layer of protection for you, your family, and your nest egg and can cover you for everything from frivolous lawsuits to travel.

Do you really need it? It can be a tough call, but sometimes an unexpected thundercloud can appear in our lives. We are here to provide you with that umbrella just in case.

Developing a plan for your long-term care is an essential part of financial planning — despite the fact that you may not want to think about it yet!

Connecting the dots between your retirement portfolio and your long-term care insurance is necessary to avoid jeopardizing everything you have worked so hard for and built up over the years.

Planning ahead can be difficult. You need someone you can trust. You need an advisor who can help you fully understand your options and assist you in picking the right plan to provide security for you and your loved ones. That someone is a click or a phone call away.

One of the most important types of insurance is Life Insurance, which includes Term Insurance. It provides coverage for a specific amount of time and pays a benefit if you pass away during that timeframe.

Life insurance is a failsafe to protect your family in case something awful happens to you. It protects them from debt, having to sell the house, or drastically changing their lifestyles. It’s coverage that gives you true peace of mind.

Find out the other benefits of Term Insurance by talking to an advisor from the O’Donnell Financial Group.

Permanent Insurance describes various types of Life Insurance, including Whole Life, Universal Life, and Variable Life Insurances. It’s different than Term Insurance in that it can provide coverage for life, assuming the premiums are paid on time.

Premiums can be flexible, according to your finances, and they can accumulate a cash value that you can borrow against. Some people have both permanent and term insurance.

To find out what’s best for you and your loved ones, consult with an insurance advisor at the O’Donnell Financial Group in order to make a fully informed choice.

Accidents happen. And it’s important to be protected in case they do.

These accidents can knock you down, make you housebound, or stop you from working and living your normal life. These types of disruptions and setbacks can put a tremendous financial strain and hardship on you and your family. Disability Insurance safeguards you and your family until you are able to get back on your feet.

The hope is you’ll never need disability insurance, but we are here to make sure you’re properly covered just in case you do.

You absolutely need car insurance, homeowner’s insurance, and life insurance. You may need disability insurance. Depending on your circumstances, you may also need long-term care insurance and personal liability insurance.

There are some types of insurance, however, that you simply do not need or may no longer need. Many people are over-insured and do not realize it, and, you may be paying too much for the coverage you do have.

Talk to us at O’Donnell Financial Group. We will set you up with the insurance you truly need and get you out those you don’t.

A wise strategy to maximize your Social Security benefits claim may result in additional retirement income. Social Security retirement benefits help provide lifetime, inflation-adjusted income. Combined with your retirement savings, plus any pension benefits you may receive, Social Security may serve as an important component of your overall plan for retirement income.

Don’t automatically think that claiming Social Security benefits early is your best decision. It may have been the right choice for your parents, but it could be the wrong choice for you. Remember, your need for income and views about life expectancy will only be two of many important factors in determining when to receive benefits.

We’ve put together a video that can help explain the crucial difference between claiming retirement benefits early versus holding off till a later date. Click here or go to our videos page under our education section to watch and learn more!

Or, you can download our latest guide (Social Security: 2019 Edition, BIG Changes Are Coming) on Social Security… Just click here or go to our useful guides page under our education section to download and learn more!

To read more about our Social Security strategies along with sample case studies, click on the image below…