Who We Serve

We attract clients who are:

• Consciously independent
  
• Self employed
  
• Retired individuals and couples

Those who are Self Employed have:

• Cash management issues resulting from irregular income.
  
• Tax planning challenges due to multiple streams of income and lack of tax withholding.
  
• A critical need to self insure for events typically covered by employer provided benefit plans.

Those who are Retired must:

• Evaluate alternative strategies regarding Social Security and other government and private benefit programs.
  
• Coordinate tax efficient distributions from their limited retirement funds.
  
• Manage their two largest expenses — healthcare and taxes.
  
  

Our clients are not members of corporate America. They do not share the benefits and security of a traditional employer-employee relationship.

Can you further identify with any of the following financial stresses in your life?

• Concerned about your state of emotional and financial preparedness to retire in the near future.
  
• Loosing sleep due to violent swings in the financial markets.
  
• Fearing that you may outlive your retirement nest egg.
  
• As domestic partners, are you experiencing gaps in benefits traditionally made available to those who are married.
  
• Confused by the multiple employee benefit options available to couples.
  
• Worried about who might be able to take care of you when you cannot.
  
• Watching your assets erode from inflation, taxation and lack of care.
  
• Maximizing benefits from government programs such as the California State Teachers Retirement System, Social Security and Medicare.
  
• Anticipating a windfall and need reassurance on how to best manage it.
  
• Unsure of which retirement account to contribute funds to or withdraw funds from to minimize taxes and maximize asset life.
  
• Struggling with eldercare, long-term care, and legacy planning issues.

If you are:

• Passionate about your financial independence.
  
• Serious and motivated about taking action.
  
• A believer in long-term professional relationships.

E-mail us today to schedule your complementary, get acquainted session.

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