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!
9 Facts About Social Security
There are things about Social Security that might surprise you.
Critical Estate Documents
Sound estate management includes creating financial and healthcare documents. Here's an inside look.
The Value of Insuring Against Life’s Risks
Building wealth requires protection from the forces of wealth destruction.
Over time, different investments' performances can shift a portfolio’s intent and risk profile. Rebalancing may be critical.
There are other ways to maximize Social Security benefits, in addition to waiting to claim them.
Have you ever wondered how your credit score compares to the rest of the country? Take a look and see.
Monthly Social Security payments differ substantially depending on when you start receiving benefits.
The Economic Report of the President can help identify the forces driving — or dragging — the economy.
Preparing for college means setting goals, staying focused, and tackling a few key milestones along the way.
This calculator helps estimate your federal estate tax liability.
This calculator demonstrates the power of compound interest.
Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.
This calculator can help you estimate how much you may need to save for retirement.
Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.
Use this calculator to better see the potential impact of compound interest on an asset.
Learn more about taxes, tax-favored investing, and tax strategies.
There are some key concepts to understand when investing for retirement
The chances of needing long-term care, its cost, and strategies for covering that cost.
A presentation about managing money: using it, saving it, and even getting credit.
The importance of life insurance, how it works, and how much coverage you need.
There are some smart strategies that may help you pursue your investment objectives
There are a few things to consider when buying or leasing your next vehicle.
Estate conservation is too important to put off. Do you have a smart exit strategy?
In good times and bad, consistently saving a percentage of your income is a sound financial practice.
Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff?
Are Real Estate Investment Trusts right for your portfolio?
As the economy gathers momentum, many are waiting for their personal finances to gather momentum, too.