Our Services
While developing a customized financial program, we will walk you through a step-by-step process that will help make you feel confident in your decisions.
Once your goals have been established, we will customize appropriate strategies to suit your vision and objectives. We can help you execute a sound financial program utilizing the following products and services:
• Retirement Planning
Your representative will help you create a plan for your retirement. We will help give confidence in your investments so you can enjoy every aspect of your life, now and in the future. We will assess your current income and your desired income, then make adjustments based on inflation and your target retirement age in order to assess the potential amount of money you will need at retirement. Our financial professionals work with all the retirement plan options, including IRA's, TSA's, SEP’s and 401k’s. We will customize a plan to help you with all of your needs.
• Investment Advisory Services
Our highly trained investment professionals will recommend a selection of financial services appropriate to your risk tolerance and design a custom portfolio around your unique needs. Other exclusive benefits include active management of accounts, semiannual reviews, and ongoing access to the investment advisory team.
Long Term Care Insurance
• Life Insurance
Creating a life insurance plan for your family can be confusing and frustrating. Your representative can help you avoid the potential problems and design a custom plan that fits your needs and budget. We will help you understand the benefits and features of Universal Life, term insurance, return of premium term, and universal life with living benefits. Working together, we can create precisely the kind of life insurance plan you need.
• Health and Disability
With the health care system in shambles and the day to day risks of driving your car, there is nothing more important than being properly insured for health and disability. We offer our clients a wide range of health and disability options. We can set up an individual plan, a family plan, or even a group or small business plan.
• College Education Planning
Your financial advisor will help you create smart strategies such as the College 529c plan and the Coverdell IRA for college education savings. These plans help you start building assets for your children¹s educational expenses now, while time is on your side. Contact your representative today to learn about plans that allow for tax-free accumulation of assets used for education expenses.
* A 529 plan is a college savings plan that allows individuals to save for college on a tax-advantaged basis. Every state offers at least one 529 plan. Before buying a 529 plan, you should inquire about the particular plan and its fees and expenses. You should also consider that certain states offer tax benefits and fee savings to in-state residents. Whether a state tax deduction and/or application fee savings are available depends on your state of residence. For tax advice, consult your tax professional.
• Estate Planning
Your representative will help you with wills, living trusts and irrevocable living trusts. He or she will put the differences in simple terms and help you develop a smart plan through attorney referrals to pass your assets to your heirs.
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This communication is strictly intended for individuals residing in the state of CA. No offers may be made or accepted from any resident outside the specific states referenced.
IMPORTANT CONSUMER INFORMATION
A Broker/dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker/dealer, investment adviser, BD agent, or IA registration requirements as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker/dealer, investment, adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.
While developing a customized financial program, we will walk you through a step-by-step process that will help make you feel confident in your decisions.
Once your goals have been established, we will customize appropriate strategies to suit your vision and objectives. We can help you execute a sound financial program utilizing the following products and services:
• Retirement Planning
Your representative will help you create a plan for your retirement. We will help give confidence in your investments so you can enjoy every aspect of your life, now and in the future. We will assess your current income and your desired income, then make adjustments based on inflation and your target retirement age in order to assess the potential amount of money you will need at retirement. Our financial professionals work with all the retirement plan options, including IRA's, TSA's, SEP’s and 401k’s. We will customize a plan to help you with all of your needs.
• Investment Advisory Services
Our highly trained investment professionals will recommend a selection of financial services appropriate to your risk tolerance and design a custom portfolio around your unique needs. Other exclusive benefits include active management of accounts, semiannual reviews, and ongoing access to the investment advisory team.
Long Term Care Insurance
- Prevent being a burden to your children and family.
- Protect your Nest-Egg (Savings), IRA's, 401K, CD’s, Stocks.
- Avoid depleting your savings, losing your home, and then receiving potentially substandard care from a Medicaid nursing home.
- Maintain your independence and dignity by receiving home health care in your own home where you are most comfortable. This will protect your quality of life and reduce the stress levels for your family.
• Life Insurance
Creating a life insurance plan for your family can be confusing and frustrating. Your representative can help you avoid the potential problems and design a custom plan that fits your needs and budget. We will help you understand the benefits and features of Universal Life, term insurance, return of premium term, and universal life with living benefits. Working together, we can create precisely the kind of life insurance plan you need.
• Health and Disability
With the health care system in shambles and the day to day risks of driving your car, there is nothing more important than being properly insured for health and disability. We offer our clients a wide range of health and disability options. We can set up an individual plan, a family plan, or even a group or small business plan.
• College Education Planning
Your financial advisor will help you create smart strategies such as the College 529c plan and the Coverdell IRA for college education savings. These plans help you start building assets for your children¹s educational expenses now, while time is on your side. Contact your representative today to learn about plans that allow for tax-free accumulation of assets used for education expenses.
* A 529 plan is a college savings plan that allows individuals to save for college on a tax-advantaged basis. Every state offers at least one 529 plan. Before buying a 529 plan, you should inquire about the particular plan and its fees and expenses. You should also consider that certain states offer tax benefits and fee savings to in-state residents. Whether a state tax deduction and/or application fee savings are available depends on your state of residence. For tax advice, consult your tax professional.
• Estate Planning
Your representative will help you with wills, living trusts and irrevocable living trusts. He or she will put the differences in simple terms and help you develop a smart plan through attorney referrals to pass your assets to your heirs.
-----------------------------------------------------------------------------------------------------------------------------------------------------------------
This communication is strictly intended for individuals residing in the state of CA. No offers may be made or accepted from any resident outside the specific states referenced.
IMPORTANT CONSUMER INFORMATION
A Broker/dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker/dealer, investment adviser, BD agent, or IA registration requirements as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker/dealer, investment, adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.
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