We deliver comprehensive wealth management and financial planning advice and have served in our community since 1991. We take the role of fiduciary seriously and are proud to be uniquely established as one of the only full service financial planning firms led exclusively by Certified Financial Planners®.

Retirement
Planning

Our retirement plan options for individuals include IRA’s, ROTH IRA’s, SEP-IRA’s for Self- Employed, 403(b)’s for those in the non-profit sector, and Rollover IRA’s for those looking to manage former employer plan assets.

Your plan will focus on both near-term and long-term strategies that go beyond just theory to include specific action steps to ensure you’re always making progress.  Your plan is just the starting point. We will revisit it regularly, make adjustments as necessary, and continuously test it to make sure it meets your goals. This ongoing process helps us align your actions today with your plans for the future.

Tax
Strategies

We will help you plan for all types of tax scenarios…whether it’s tax-free income portfolios or planning for retirement distributions, we will make sure your tax planning is in place.

Estate
Planning

Making sure your estate is properly planned is many times forgotten. Age is not the determining factor and you should always make sure that your affairs are in order. We help you review your asset holdings and implement any steps needed to make sure your estate is in order.

Our team can also discuss different strategies with you including Living Trusts, Charitable Remainder Trusts, Wills and more. We have relationships with multiple attorneys and CPA’s to help provide a team approach, including an estate planning attorney in our office.

Risk Management

It’s vital to protect our clients against unforeseen risk. Our services include working with your insurance providers to make sure you have the right property and casualty insurance, life and disability insurance, as well as long-term care insurance. We also work with your estate planning attorney to ensure your estate plan is consistent with your goals.

Wealth Management

We align your investment portfolio with your current needs and future plans, striking a balance between stability and growth. Adhering to thoughtful guidelines, we continually monitor your investments, always looking to add value along the way. Above all, we give straightforward advice and keep you informed. You can have confidence that your portfolio is well structured to get you where you want to go.

Before you make any investing decision, sit down and take an honest look at your entire financial situation — especially if you’ve never made a financial plan before.

The first step to successful investing is figuring out your goals and risk tolerance – either on your own or with the help of a financial professional. There is no guarantee that you’ll make money from your investments. But if you get the facts about saving and investing and follow through with an intelligent plan, you should be able to gain financial security over the years and enjoy the benefits of managing your money.

Evaluate your comfort zone in taking on risk.

All investments involve some degree of risk. If you intend to purchase securities – such as stocks, bonds, or mutual funds – it’s important that you understand before you invest that you could lose some or all of your money. Unlike deposits at FDIC-insured banks and NCUA-insured credit unions, the money you invest in securities typically is not federally insured. You could lose your principal, which is the amount you’ve invested. That’s true even if you purchase your investments through a bank.

The reward for taking on risk is the potential for a greater investment return. If you have a financial goal with a long time horizon, you are likely to make more money by carefully investing in asset categories with greater risk, like stocks or bonds, rather than restricting your investments to assets with less risk, like cash equivalents. On the other hand, investing solely in cash investments may be appropriate for short-term financial goals. The principal concern for individuals investing in cash equivalents is inflation risk, which is the risk that inflation will outpace and erode returns over time. For example As far back as the first Egyptian dynasty, gold and silver have been revered for their beauty and intrinsic value. Today, thousands of years later, gold and silver and other precious metals are still trusted choices for many.

By including asset categories with investment returns that move up and down under different market conditions within a portfolio, an investor can help protect against significant losses. Historically, the returns of the three major asset categories – stocks, bonds, and cash – have not moved up and down at the same time. Market conditions that cause one asset category to do well often cause another asset category to have average or poor returns. By investing in more than one asset category, you’ll reduce the risk that you’ll lose money and your portfolio’s overall investment returns will have a smoother ride. If one asset category’s investment return falls, you’ll be in a position to counteract your losses in that asset category with better investment returns in another asset category.

In addition, asset allocation is important because it has major impact on whether you will meet your financial goal. If you don’t include enough risk in your portfolio, your investments may not earn a large enough return to meet your goal. For example, if you are saving for a long-term goal, such as retirement or college, most financial experts agree that you will likely need to include at least some stock or stock mutual funds in your portfolio.

GET IN TOUCH

(951) 303-8732

available from 9:00 – 6:00

Temecula Address:31493 Rancho Pueblo Rd. #205 Temecula, CA 92592

Email [email protected]