With over 20 years of experience in Retirement Planning and Education, we provide a vast range of services for both individuals and organizations, ranging from Individual Retirement Accounts to Employer-Sponsored 401(k) Plans.
While our headquarters are in Santa Ynez, California, our clients are located throughout the United States. We have a satellite office located in Los Angeles and frequently make trips to our clients, wherever they may be, to serve their financial planning needs.
With what types of clients do you work?
Our clients consist of individuals, families and businesses. We generally work with the following clientele:
Individuals receiving distributions from corporate retirement plans and IRA rollovers.
Professionals and entrepreneurs seeking portfolio management.
Multi-generational wealth, including family trusts and 529 savings plans.
Surviving spouses managing proceeds from estates.
Retirement plans for closely held companies, including 401(k) plans.
How do you charge?
We are a fee‐only investment advisor. We do not receive commissions or fees based on a client’s purchase of any financial products.
Will I be able to access all my information?
Absolutely. We have a client portal that is dedicated to you so that you can log in and view your information at any time. In the client portal, you can view reports such as your quarterly performance report.
How frequently will you communicate with us?
We focus on delivering proactive and transparent communication to you. If you choose, we will send you an email to approve our buy or sell recommendations along with a brief synopsis of each new equity. Depending on your account, you will receive either a monthly or quarterly report containing updates on your portfolio holdings and performance.
Lastly, you will receive updated market outlook information and important required notices from time-to-time.
The rising popularity of robo-advisors has some in the industry wondering whether this is the beginning of the end for financial advisors.
In reality, robo-advisors have been able to do something that traditional financial advisors have not; get those with limited resources to begin creating a portfolio of investments.
Experienced financial planners typically don’t accept clients with less than $200,000 or (much) more in their portfolio. On the other hand, some robo-advisors are accessible with as little as $1,000, with others not having a minimum balance requirement at all.
These days, only on television is landing your dream job after graduation a thing that could actually happen. The reality is, in a recent survey of 503 - recent grads - entry-level job seekers by national career matchmaking firm GradStaf, “nearly 70 percent of respondents were either unemployed or working in a full-time non-professional job to make ends meet.” Pair that with the idea that ‘the average cost of one year at a public university for an in-state student is $20,090. That increases to $34,220 if you hail from out of state,” student debt is something far too many millennials have to face.
As if business owners didn’t have enough to contend in managing their business and personal finances, there is one particular aspect of their financial lives that is often neglected until it’s too late, and that is the management of their estate. Yet, it is the one area of their financial picture that, if not thoroughly planned and managed, could have the most devastating consequences for their family and their business.
Bills, rent and saving for retirement makes every payday a budgeting reality. So in these times, it’s important to take some relatively easy steps to stretch your budget.
Start with your credit cards. Often people overlook where their money is going when it’s as easy as a tap, not to mention interest and fees:
1. Pay your credit card balance in full each month. If you don’t pay your credit card balance in full each month, you will be paying steep interest rates on the balance. That interest rate could easily be 15% to 20% or more annually.