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 IRAs, Annuities, 401ks, or Pensions work? Is a SEP IRA or SIMPLE IRA right for you or your company? How about Mutual Funds, Life 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!
A Look at Diversification
Diversification is an investment principle designed to manage risk, but it can't prevent against a loss.
An Overview of Renter’s Insurance
Don’t overlook the need for renter’s insurance if you rent your home.
Volunteering in Retirement
For many, retirement includes contributing their time and talents to an organization in need.
Some people may want a more advanced gifting strategy that can maximize their gift and generate potential tax benefits.
Five strategies for managing your student debt.
Entrepreneurs all face the same question, “Which business structure should I adopt?”
Among stock-market investors there’s long been a debate between those who favor value and those who favor growth.
One way to find money is to examine your current spending habits and eliminate money wasters.
Gaining a better understanding of municipal bonds makes more sense than ever.
Assess whether you are running “in the black” or “in the red” each month.
Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.
This calculator can help determine whether it makes sense to refinance your mortgage.
Estimate the maximum contribution amount for a Self-Employed 401(k), SIMPLE IRA, or SEP.
Use this calculator to estimate your capital gains tax.
Use this calculator to assess the potential benefits of a home mortgage deduction.
Using smart management to get more of what you want and free up assets to invest.
Investment tools and strategies that can enable you to pursue your retirement goals.
There are a number of ways to withdraw money from a qualified retirement plan.
Learn more about taxes, tax-favored investing, and tax strategies.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
The importance of life insurance, how it works, and how much coverage you need.
When should you take your Social Security benefit?
Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts.
A growing number of Americans are pushing back the age at which they plan to retire. Or deciding not to retire at all.
Bitcoin’s future is uncertain, but one thing is for sure: it’s the wild west out there, and there is no sheriff in town.
Do you know these three personal finance sayings?
Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.