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We help individuals and families pursue their ideal retirements.

Retiring and Taking Social Security

By webteam | September 30, 2013 |

Retiring and Taking Social Security As of 2013, full retirement age is 66 for anyone born in 1943 or earlier.  Born between 1943 and 1959? Full retirement will be at age 66 plus two months depending on what date your birthday falls. If you are like me, born after these dates, full retirement is age…

2013 Year End Tax Tips

By webteam | September 18, 2013 |

2013 Year End Tax Tips Now is the time to consider these 2013 year end tax tips. Consult your tax advisor to see what is best for your situation. IRA Contributions: You may want to maximize contributions  to your retirement savings.  Contributions to your IRAs, 401(k)s, TSAs, and other plans will not only reduce your…

2013 Fiscal Cliff how will it affect you?

By webteam | November 16, 2012 |

2013 Fiscal Cliff is a major concern for many.  We know that if congress does not act the Bush tax cuts will end this year.  The current rates are (10%, 15%, 25%, 28%, 33%, and 35%) the new rates will be (15%, 28%, 31%, 36%, and 39.6%).  Capital gain rates and dividend rates will be…

401k Rollover advantages and disadvantages

By webteam | October 30, 2012 |

Do you have a 401k with a previous employer?  Does it make sense to do a 401k rollover to the new employer or should you roll it over to a traditional IRA with a different institution?  These are common questions employees are facing today.  So many advisors and institutions are so quick to tell you to…

Roth Conversion Strategies Underutilized

By webteam | October 23, 2012 |

Many people nowadays are under utilizing Roth conversion strategies as well as not contributing as much as they should to Roth IRAs.  The theory behind having a traditional IRA is during your working life you are considered to be in a higher tax bracket as oppose to when you retire.  So it would make sense…

Tax Planning and Greater Returns

By webteam | October 5, 2012 |

Tax planning is the biggest over looked area when it comes to individual investing.  Many advisors are so busy chasing returns that they lose sight of the things that they can actually control to help boost your returns.  Let’s first talk about turnover ratio in your mutual funds.  Turnover ratio is the amount of buying…

Is your Financial Advisor addressing Inflation?

By webteam | September 27, 2012 | Comments Off on Is your Financial Advisor addressing Inflation?

The Bureau of Labor Statistics determines the amount of inflation by checking on the price of a basket of goods and comparing those prices to other years.  The difference in those numbers determine the inflation amount if any.  But let’s face it do we really need the government to tell us that prices are going…

How to Bulletproof your Financial Planning!

By webteam | September 18, 2012 | Comments Off on How to Bulletproof your Financial Planning!

The best way I would describe how to Bulletproof your financial planning is like going to the doctor and getting a complete physical.  You really need to look at the big picture.  So many people just look at the return on their investments when there is so much more to look at to determine the true viability of…

7 Risks in Retirement Planning you need to address!

By webteam | September 14, 2012 | Comments Off on 7 Risks in Retirement Planning you need to address!

Retirement planning can be a tricky mine field.  How can someone plan for retirement if they don’t know what risks to plan for.  Below are the risks that should be considered based on research conducted by Morningstar. Longevity Risk- Statistically a couple retiring at age 65 years have a 75% chance that at least one spouse…

3 Wealth Management Tips to save a Retirement Plan.

By webteam | September 10, 2012 | Comments Off on 3 Wealth Management Tips to save a Retirement Plan.

1. It is very important to first review exactly what your goals and objectives are in your retirement plan.  Is your goal maintaining income, growth, legacy planning, or a combination of several different things? You should write these things down and all your concerns regarding your goals. This could mean, time period you have to…

The Hidden Cost Of Wealth Management

By webteam | August 22, 2012 |

As you grow older, peace of mind regarding your wealth management can be harder and harder to come by especially in today’s economy. The key to a good night’s sleep is having proper wealth management advice. You work so hard for what you currently make it is so important to get your money working as hard…

Financial Planning Workshops

By webteam | August 15, 2012 | Comments Off on Financial Planning Workshops

Learn about many topics by attending our Riverside County financial planning workshop.   There are over 40 different topics that are discussed.  You will learn How to invest in the market with a seat belt so you don’t get hurt during down times.”  You will also learn how to minimize taxation on current income and…

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Or give us a call at (877) 213-SAFE (7233)