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Tuning Your Social Security Benefit Saving for College 101 The Latte Lie and Other Myths It Was the Best of Times, It Was the Worst of Times

Planning for retirement or another financial goal can sometimes seem very difficult. There is simply an unceasing torrent of information available via the internet and business cable-news channels, let alone commercials, infomercials, radio and web ads -- much of it conflicting! How do you even begin to decipher all of this?

It does not have to be difficult. I am a Financial Advisor located in San Ramon, CA. I have helped many folks just like you work through their goals, understand their options, and then help implement an Independent Plan that takes into account ALL available resources (including  employer  benefits).  I love what I do and have done it for over 20 years now.

Call my office to arrange a free consultation or sign up for our online newsletter.

Do you have questions about how IRAsAnnuities401ks, or Pensions work? Is a SEP IRA or SIMPLE IRA right for you or your company? How about Mutual FundsLife Insurance, or Fee-based Advisory Accounts? What are the differences between a CD, an Annuity, and a Bond? Is inflation different for people who are working versus folks who are already retired? I can help you understand the answers to questions like these in plain English, which is often the first step in helping you develop a plan of action to address your financial concerns.

Please feel free to explore and share this website with your friends, family and co-workers, and to contact me if you would like more information on how I may be of service to you. Remember, I can help you develop a financial plan of action and help implement that plan. It doesn't have to be difficult. I look forward to speaking with you!

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Getting a Head Start on College Savings

Getting a Head Start on College Savings

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When Should You Take Social Security

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Monthly Social Security payments differ substantially depending on when you start receiving benefits.


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The uncertainties we face in retirement can erode our sense of confidence.

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Social Security Taxes

Estimate how much of your Social Security benefit may be considered taxable.

Estimate Your RMD

Help determine the required minimum distribution from an IRA or other qualified retirement plan.

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Determine if you are eligible to contribute to a traditional or Roth IRA.

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Enter various payment options and determine how long it may take to pay off a credit card.

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Use this calculator to better see the potential impact of compound interest on an asset.

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Assess whether you are running “in the black” or “in the red” each month.

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Retirement Plan Distributions

There are a number of ways to withdraw money from a qualified retirement plan.

Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

Tax Management Strategies

Learn more about taxes, tax-favored investing, and tax strategies.

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There are some smart strategies that may help you pursue your investment objectives

Your Cash Flow Statement

A presentation about managing money: using it, saving it, and even getting credit.

Long-Term-Care Protection Strategies

The chances of needing long-term care, its cost, and strategies for covering that cost.

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The Cycle of Investing

Understanding the cycle of investing may help you avoid easy pitfalls.

Can Election Results Predict the Market?

How do the markets usually react to elections? Was the 2016 election any different?

Your DNA Test

If your family relies on your income, it’s critical to know what their needs would be in the event of your death.


The market is as unpredictable as the weather. We’d love to help you prepare.

An Arm and a Leg

A visit to the hospital can be painful, for both your body and your wallet. Don’t let it be more painful than it has to be.

The Junk Drawer Approach to Investing

It's easy to let investments accumulate like old receipts in a junk drawer.

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